BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea who National Credit Systems is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. National Credit Systems is indicating that an account with the account number XXXX was opened with their company in XX/XX/2013. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

National Credit Systems did not respond or provide requested information when I contacted them via certified mail XXXX XXXX XXXX XXXX XXXX XXXX. They have never notified me of their claim. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized National Credit Systems as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ National Credit Systems } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to National Credit Systems, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing 1 account since XXXX XXXX, almost a full year and the bureaus have verified the information but have never proven to me HOW they're verifying it nor have they provided documentation! Then, they stopped responding all together! In fact, this account was paid in full in XXXX of XXXX yet they're reporting it delinquent in XXXX of XXXX! This is a paid collection and I have included the paid confirmation for your reference.

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 2018-03-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/XXXX I got a call from PennyMac about lowering rate and lowering my payment. When I called in I was told that I could not lower my payment because it would cost to much. This is not the first time they have called and said that they would lower my rate and payment and told me after I called them back that they can't do it. On XX/XX/XXXX I was very clear with PennyMac that I no longer wanted any communication phone, email or mailed unless it was my statement and to cease all communication. I was told they would note the account and was told to have a nice day. on XX/XX/XXXX I got an email from PennyMac asking me to call them back to lower my rate once again. When I called in to ask why they are still sending me emails I was told that the agent had no idea and that he could clearly see that the account was noted to no longer contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
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: Public record information inaccurate

Complaint:
I pulled my annual credit report XX/XX/XXXX and noticed I had incorrect and fraudulent accounts that were being reported. I sent a dispute letter in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX. I contacted XXXX Bankruptcy Court in XX/XX/XXXX. stating that incorrect information is being reported on my credit report. Bankruptcy court replied, '' they do not report to credit agencies for me to dispute that information with the credit reporting agencies. '' Therefore I sent out the letter that I received from bankruptcy court asking them to remove it. And XXXX and Experian refuse to remove 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 2018-05-10
Company: Experian Information Solutions Inc.
State: AZ
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:
Hello University XXXX XXXX has continually failed to verify accounts on my credit report. I have asked for accounts to be verified nth University XXXX XXXX has never responded to me. So how is experian verifying this information. According to her phone call I had with a experian rep they count on the company to verify this info. That it self is wrong and against the law. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

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 2020-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The following information needs to be deleted. In the former address of my credit report it shows XXXX XXXX XXXX XXXXXXXX XXXX, Ohio XXXX. This address Is not mine anymore it was temporarily used due to a XXXX XXXX. I am at my residence where i receive mail. 
.

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 2021-05-20
Company: Security Credit Services, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Today, XX/XX/2021. I was notified through my XXXX  subscription that there was an update to my credit report. Upon checking, I found an account that I did not recognize. With no contact information. I contacted the original creditor XXXX XXXX XXXX XXXX XXXX. ( I have never banked with this bank ). They said they will investigate. I'm waiting to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XXXX recieved notice and proof of my XXXX and my inability to repay loans.

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 2019-09-21
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My student loans are serviced by Navient. I had a payment due in XXXX that I overlooked. They have all of my information on file, including the correct address and phone number. I've received zero calls or letters, but my sister received a letter from them trying to locate me, and asking her to call them. That is a third party disclosure of my debt and is illegal under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: MOHELA
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: Investigation took more than 30 days

Complaint:
Mohela recieved notice and proof of my XXXX and my inability to repay loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased 3 airline tickets from a foreign airline by the name of XXXX. 

Our flight was scheduled to depart in XX/XX/2020. We received short notice that our flights were canceled and a voucher was " issued '' and could be exchanged for another flight within 1 year before expiration. The airline announced that they would no longer fly from the USA making using that alleged voucher impossible since I must fly from the USA to any destination. For months their customer care stopped taking calls and there was no way to reach them. I attempted to call XXXX multiple times to learn how to redeem the alleged voucher that wasn't showing up on my account. After several attempts to reach them, I filed a dispute with Apple Card and they shortly decided to close the claim in favor of the airline. Stating that the merchant has told them they provided a credit voucher. I went to further explain there was no such voucher on my account and they weren't operating anymore. The Apple Card rep was no help and said unless I had " new '' evidence there was nothing that could be done. I was infuriated! I had just been robbed of almost {$500.00} and the company presumably helping me was siding with the merchant who is being dishonest. 

A few months passed and now the airline 's website ( XXXX ) is no longer in existence, their customer care 800 numbers are not in service! 

It has been publicized that the airline has not even paid its workers. I shared this with the 3 Apple Card representatives and all of them gave me the ridiculous response that it " wasn't new evidence ''. This airline has thousands of hundreds upon hundreds of complaints about their practices and the company that has promised to back me up has not done so. This is all so frustrating, we are in the middle of a pandemic, we have no jobs or steady income and now this? It makes me sick to my stomach, I am deeply disappointed with Apple Card because I've heavily promoted their products and services to everyone I know and converting most of them from their competitors to XXXX and now they have failed me. 

XXXX can not just agree with the merchant ( XXXX ) that they have provided a solution when their website, phone numbers, and the airline is not even operating. 

I've attached some screenshots of the ongoing issue and hope I can find someone who can help me. My next step is contacting the media to shine a light on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Resurgent Capital Services L.P.
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:
LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX I tried disputing these XXXX debts with XXXX and XXXX. I settled these 2 debts through a 3rd party made all payments on time as agreed and paid off. I was unable to get information from LVNV with the account numbers that are reporting on credit report. I have been disputing this with XXXX and XXXX but they have failed to update balance with settled amount or pays as agreed status. As a result this has caused continued harm to credit reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
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: Account status incorrect

Complaint:
I recently check my credit report and realized XXXX XXXX reporting so many late payments, I have contacted the credit bureau about this issue, and it hasn't been fixed .... As a US citizen of the United states I believe this is completely unfair because this issue is damaging my reputation!! I am being denied credit, and my credit score has decrease dramatically. I do not recall ever being late all my car payments. Under TheFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation is supposed to promote the accuracy, fairness, and privacy of consumer information and It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports so I am asking for you guys to please fix this issue ... Thank you so much!!! I appreciate you taking the time to read my statement.

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 2020-06-24
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by mail by Balanced Healthcare Receivables, XXXX NH In the letter says that XXXX XXXX placed it with them. 

Have asked them to valid the debt, and they have refused, furthermore I stated that I have settled with XXXX XXXX of XXXX XXXX all charges and made a lump payment covering all charges. 

I have met abusive and obnoxious people at Balanced Healthcare, whom they accuse me of committing criminal acts, and have violations of the Fair Debt Collection Practices Act. including attempting to collect debts not owed and illegal communication tactics. I followed with a email to XXXX and no one has responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
BB & T charged me 4 overdraft fees of {$36.00} each when only one charge resulted in an overdraft of just a few dollars. 
They actually charged a fee for a charge made a few days earlier when there was no overdraft I paid {$140.00} in fees for four charges made which totaled about {$100.00}

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 2020-07-31
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company 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 2021-06-04
Company: Bread Financial Holdings, Inc.
State: MS
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:
i seen COMENITY CAPITAL BANK/XXXX had reported a inaccurate item on my credit report on XX/XX/2021 saying that i owe them XXXX , so i sent them a letter requesting the validity of the debt on XX/XX/2021 and asking that it be sent within 30 days required by law or delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: CITIBANK, N.A.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I scheduled a payment to my secured credit card in the amount of {$56.00} on XX/XX/XXXX which was returned by my bank and I was charged a return check fee of {$39.00} on XX/XX/XXXX by Citi Bank. Another payment was scheduled in error in the amount of {$270.00} on XX/XX/XXXX which was again returned by my bank and I was charged another {$39.00} return check fee by Citi Bank on XX/XX/XXXX. My credit limit on this card was {$300.00}. I made a payment of {$280.00} to make up for the payments that were returned on XX/XX/XXXX which cleared my bank on XX/XX/XXXX. I was charged another return check fee of {$39.00} on XX/XX/XXXX. I called Citi Bank to let them know I had fraud on my account and found out that they had the payment of {$280.00} on hold until XX/XX/XXXX. I spoke with a Citi Bank representative who called my bank to verify that the funds did clear which they confirmed it did and my payment was taken off hold. This left me with a credit to my balance of {$110.00} and the full credit limit of {$300.00} available to use. I made a cash advance of {$100.00} on XX/XX/XXXX which ended up leaving me with an available credit of {$260.00} due to the credit on my balance and a credit on my balance in the amount of XXXX. I went to use my card yesterday on XX/XX/XXXX for {$30.00} and the card was declined. I called CitiBank and was on the phone for over 30 minutes when they said that they closed my account due to the 2 payments that were returned unpaid. They said they would be able to issue a check for {$62.00} since that was the credit on my balance but that I would have to wait 1-2 billing cycles for my initial deposit of {$300.00} to be returned. I asked for a manager and XXXX the representative who I was speaking to said no one was available and they would have to call me back in about 10 minutes. After over 4 hours no one called me back so I called them again. I explained the situation to the manager XXXX and she said since the account was now closed she would not be able to issue a check for the initial deposit for 1-2 billing cycles but could issue the check for {$62.00} immediately. So after all was said and done my current balance was - {$62.00} and they owed me {$300.00}. I looked at the account today XX/XX/XXXX and now it is showing that there is a current balance of {$210.00} but there were no purchases and no transactions posted between the 2 days. They are trying to say that I owe a balance now so they can try to swindle me out of my money. I took screenshots of everything. They are trying to scam me and are using unfair and unlawful practices.

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 2021-08-05
Company: LEXISNEXIS
State: NJ
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 dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their court. Please provide proof from the court of this public record. I never filed bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately

Company response to consumer: Closed with explanation