BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-03
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In 2005, I was forced into taking a private, co-signed loan for around {$8000.00} with XXXX XXXX ( now navient ). I was told to defer my loan or use forbearance. 13 YEARS LATER ... ..even with making income based payments for the last few years, I still owe over {$7000.00}!! 

I am currently a XXXX XXXX in a XXXX XXXX and I contacted them about loan forgiveness. I was told I didnt qualify because my loan was under {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am distressed after obtaining my credit report and acknowledging inaccuracies and/or incomplete information, and accounts. I am a victim of identity theft and the information that is reporting on my credit profile DOES NOT relate to any transactions that I have made. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are obligated to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

Section 623 ( a ) ( 1 ) ( A ) of the FCRA - requires that a furnisher shall not furnish any information relating to a consumer to any XXXX if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Furnishers have been known to report information with actual knowledge of errors even when the information doesnt reflect what's in their system. I hope that doesn't speak of your character. 

It is also my understanding that under the FCRA 15 U.S.C. 1681i, Every single one, even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely DELETED!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan Management transfered my mortgage on XX/XX/XXXX to " XXXX XXXX ''. Rushmore Loan Management was advised of an insurance claim on XX/XX/20. They transfered the mortgage in the middle of the repair process and has caused significant delays in the repair process. XXXX XXXX is requiring we send in all documentation that was already sent to Rushmore Loans in order to start sending payment for repairs. They estimate it will cause a delay of up to 30 days. It should be illegal to transfer a loan in the middle of an insurance claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX AT XXXX XXXX XXXX XXXX TX XXXX HAS BEEN SENDING ME COLLECTIONS ACCOUNT IN THE AMOUNT OF $2,050.00,I DO NOT KNOW THIS COMPANY I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY,THIS COMPANY DO NOT HAVE A CONTRACT WITH MY WET SIGNATURE ON IT,BY LAW ANY ACCOUNT THAT CANT BE VALIDATED HAS TO BE REMOVE FROM THE CREDIT REPORT,IF YOU CANNOT PROVIBE ME THE ORINGNAL CONTRACT WITH MY SIGNATURE ON IT THIS MISLEADING ACCOUNT MUST BE REMOVE FROM MY CREDIT REPORT......

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 2018-01-03
Company: TCF NATIONAL BANK
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX. I am trying to sign up for a mortgage, so I need to fix my credits. XXXX XXXX - Inquiry from XXXX XXXX, XXXX I  never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I tried ab out 5-10 ti mes to talk with someone from Equifax inc but I kelp getting a voicemail or a machine asking me for some information. On my credit report it shows that I have an open account with  XXXX  but on my   XXXX   report I filed a dispute with them and after 30 days it was removed but its showing up on my Equifax report which it should not be there cause my wife paid it thought a collection company called  XXXX   XXXX   XXXX   XXXX   XXXX  . I tried to talk with someone from the collection agency but they were not any good in helping me do something about this. In case you need their number its  XXXX . I hope you can do something to help me out to get this straighting out for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: CITIBANK, N.A.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I signed up for XXXX XXXX XXXX card and I always paid of my credit every month I had good credit history. I started off with XXXX and they went up to XXXX because I always paid on time. When they made the switch to Citi Bank they didnt notify me and I had credit that still had to be paid off on XXXX XXXX XX/XX/XXXX I didnt even know where to go I kept logging in on my XXXX XXXX but it wouldnt let me from XX/XX/XXXX till XX/XX/XXXX. Finally in XX/XX/XXXX I received a card and a late fee notice that they were going to go to collections with my debt. I tried multiple times to call back and forth and settle it with them from XX/XX/XXXX - XX/XX/XXXX. I made payments to try and catch up. I finally took out a loan from my bank to pay it off because I did not want to hear from them any more. I would make my payments on time and they still would call saying that I owed money. After paying off the card in XX/XX/XXXX they sent me a statement in XX/XX/XXXX for money I paid off. I called a representative and they erased it and apologized. I have been on it with my credit history before citi bank.

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 2018-01-03
Company: FC HoldCo LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have some various inquiries in my credit accounts. All 3 XXXX XXXX XXXX and XXXX. I am trying to sign up for a mortgage, so I need to fix my credits. XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.

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 2017-07-14
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX   XXXX  -  XXXX  Hard Inquiry from  XXXX   XXXX ,    2015  through Equifax Never Gave my consent for a hard inquiry and do n't even have an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 have several issues with not only the information being provided to the credit bureaus by XXXX XXXX, but the accuracy of that info as well.
<P/>
To summarize the issues I 'd like to see resolved : 1. There are multiple trade lines XXXX XXXX is reporting to the credit bureaus : one states is was opened on XX/XX/XXXX and the other opened onXX/XX/XXXX. XXXX have the balnce of {$2000.00} ( see attached screenshots ).
<P/>
2. XXXX of these closed trade lines are reporting incorrect payment history as well. Showing that I was more than 149 days past due, I have never been 149 days past due in my payments on this 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 2019-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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/XXXX, my wfie and I mailed letters to XXXX, XXXX, and Trans Union ; asking them to investigate errors on our credit report. According to credit reporting law, they were supposed to investigate the errors, and respond to us with the results of our investigations within 30 days. The 30 day period expired back on XX/XX/XXXX, and we have still not seen any responses from any of the three bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On Friday XX/XX/2022 I made a payment to my CapitalOne Quicksilver card and my CapitalOne Platinum card. I normally do not pay off my balances but this time I had received a bonus from my employer and I am trying to improve my credit score by paying all credit cards off and using 1 card to receive cash back. Normally my balance is reflected immediately following a payment because I use my CapitalOne checking account to pay these cards. A few days later ( Tuesday XX/XX/2022 ) I called to find out why the balances showed as XXXX but the available credit also showed as XXXX. I spoke with 3 different representatives ( increasing in management ) and all of them stated that on occasion ( no real rhyme or reason ) their system will put a hold on a payment. First of all, I have never heard of a financial institution putting a hold on a payment ( and I work as a Sr. Compliance Officer in a financial institution ). Secondly, the payment came from their bank!! I pay my cards from a CapitalOne 360 Checking account. The funds arrived there by ACH ( not a check ) and they said they needed to verify that the funds were there? They stated that the hold is for 7 days and my balances will be available on the XXXX. I find this to be a XXXX  violation as I can normally use the Quicksilver Card to gain cash back on my purchases of which I planned on using this card for not only a vacation ( birthday on XX/XX/XXXX and XXXX  day on the XXXX ) but also some home improvements ( this represents a financial loss to me ). Also, the representative told me that if this were an emergency they would try to work something out for me.. Why would it have to be an emergency? It should be just good old fashioned customer service. Apparently I am not important enough to them. Please feel free to reach out to me. I will be filing a formal complaint through their CEO 's email as well. I will be removing all of my accounts from CapitalOne as soon as possible. This will also cause me financial harm as closing credit cards will have a negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
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: Account status incorrect

Complaint:
I was recently denied credit and was told it was due to XXXX reporting recent lates. My student loans are deferred as a current student and should never have been reported late. Even when the deferral was verified/submitted, they did not correct my credit report. This company is absolutely terrible and now I'm paying for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX AT XXXX XXXX XXXX XXXX, TX XXXX HAS BEEN SENDING ME COLLECTIONS NOTICES IN THE AMOUNT OF XXXX, I DO NOT KNOW THIS COMPANY I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY,THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY WET SIGNATURE ON IT,BY LAW EVERY ACCOUNT THATS REPORTED BY YOUR COMPANY MUST BE VALIDATED,IF YOUR COMPANY CANT PROVIBE ME WITH THE ORINGNAL CONTRACT WITH MY WET SIGNATURE ON IT YOU MUST DELETE THE ITEM,ACCORDING TO THE (XXXX)

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX AT XXXX XXXX XXXX XXXX TX  XXXX  HAS BEEN SENDING ME COLLECTIONS NOTICES IN THE AMOUNT OF XXXX, I DO NOT KNOW THIS COMPANY I HAVE NEVER DONE ANY BUSSINESS WITH THIS COMPANY,THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY WET SIGNATURE ON IT,BY LAW EVERY ACCOUNT THATS REPORTED BY YOUR COMPANY MUST BE VALIDATED,IF YOUR COMPANY CANT PROVIBE ME WITH THE ORINGNAL CONTRACT WITH MY WET SIGNATURE ON IT YOU MUST DELETE THE ITEM,ACCORDING TO THE (FCRA)

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 2021-01-20
Company: EQUIFAX, INC.
State: SC
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:
The dispute page still does not work after numerous complaints. 

Please go to the following address with Equifax click the " Submit a Dispute '' button. https : //www.equifax.com/personal/credit-report-services/credit-dispute/ It will immediately respond with an error message. I believe they are doing this intentionally because they are attempting to sell credit monitoring services. 

Their site also states that you can obtain WEEKLY credit reports from the annual credit report site.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
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:
To Whom It May Concern, I have a collection account on my XXXX, XXXX, and XXXX credit bureau file from a company named IQ Data International, account number listed is xxxxxxxxxxxxx XXXX. Please be advised that I am disputing this information due to the fact that IQ Data International does not have a valid license/is not bonded in the state of Texas to collect debts. This information states their license/bond is currently " non existent '' according to the Texas Secretary of State database of license/bonded debt collectors.I am requesting that you investigate this matter and delete from my credit file immediately. Your immediate response will be greatly appreciated. <P/>
XXXX XXXX xxx-xx-XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EdFinancial Services
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
other EDFINANCIAL XXXX XX/XX/2018 {$890.00} EDFINANCIAL XXXX XX/XX/2018 {$6400.00} EDFINANCIAL XXXX XX/XX/2018 {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Chime Financial Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
In summary, on XXXX I discovered that $ XXXX was removed from my XXXXXXXX XXXX Checking account. I was made aware through my XXXXXXXX XXXX  app that the {$8000.00} XXXX was removed via a web initiated payment at XXXX XXXX on XXXX. I do not have a Chime account. I notified my bank to put a hold on my account. I also filed a fraud claim with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX. I am trying to sign up for a mortgage, so I need to fix my credits. XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX, XXXX XXXX - Inquiry from XXXX XXXX, XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.

Company response to consumer: Closed with explanation