BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
Company: EQUIFAX, 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:
I have reached out to XXXX, XXXX  and equifax to resolve this matter, however they are have not tried to resolve this matter. They claim that they verified these accounts with the original creditor, however, XXXX NEVER responded to my debt validation demand, and according to XXXX XXXX, they NEVER conducted an investigation. Furthermore, i have sent 4 letters to all three bureaus pointing out the inconsistencies and these accounts continue to report negative on my credit report.i have enclosed all the letters sent to the credit bureaus and the collection company. Furthermore, neither company has been able to produce documents proving that i owe the debt. i also have asked them on several occasions to delete the incorrect address, as they can jeopardize my identity because i know longer live at those address, and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Per Section 609 ( a ) ( 1 ) of the the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account. I was in graduate school and at this point of graduation when this account was showing in XXXX as past due. This is inaccurate I have never been late for my accounts. I had an hardship forbearance from those debts for XXXX. 

This delinquent account record is inaccurate. I request that all the following accounts associated be validated, or promptly removed. 

Account Number : 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 explanation
Consumer complaint received 2019-08-21
Company: Navient Solutions, LLC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was made aware of 8 fraudulent student loan accounts on my credit report on XX/XX/2019 by a company called Navient. I called the company right away and made them aware of the fraud and they refused to listen to me or do anything about it. I asked them to send me proof that it was my debt and they would not. Instead they informed me that they turned the accounts over to a third party collection agency and that they would not discuss them with me and that I needed to call them. I immediately called this third party agency and told them that this debt was not mine and they continuously told me that it was. I began to even break out in tears and demanded how unfair this was and to take the items off of my report immediately. I asked them to send me proof that it was my debt and they said it would take 5-7 business days to get the documents to me via e-mail. After a week I called them back and this time I asked for the manager and him how concerned, upset, and unfair I felt about this debt being on my credit and them still not giving me any type of proof of it or having any urgency to do so. He assured me that he could expedite the process and that he could get me something in three days. After three days nothing came. I continued to call this company day in and day out and almost daily from XX/XX/XXXX to this current day asking them to give me proof of this debt and they still continue to give me the same line about how they are waiting to get the documents from Navient well into over two months now. There is one same lady that I have spoken with at least a dozen times in this time period that I have been calling them over and over and her name is XXXX XXXX and her number at the company is XXXX. She has nothing to say to me other than that she is waiting to get the documents and sorry to me each time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
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:
Charged immediately for a 30 day trial, brought to their attention, they changed dates of new membership to keep the {$24.00}. I disputed them & was transferred, never assisted. Went thru XXXX XXXX  XXXX but they made exception, received Credit back.They stated I was on the dark web, my account was being used in a different pattern actually as I use my XXXX  to spend then transfer funds from checking and pay off XXXX maybe more than once a month. Also I mailed & texted proof of medical/XXXX  bill, not mine.Unsure that's been removed.Seemed as though they would create a questionable issue with the intent to keep me a member. My bureau wouldn't warrant their expense. Bad biz practices & i disputed their performance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been making payments towards my private student loans from Navient for years. I pay everyone sometimes even twice a month, and they still make inquiries on my account saying it's delinquent and it is not. This is keeping me from buying a home for me and my kids. 

I have pictures of my student loan account to prove I pay what I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX, XXXX My identity was stolen and credit cards in my name was opened at the XXXX XXXX XXXX and other merchants in the area. & purchases were made in XXXX XXXX. XXXX XXXX XXXX was notified over the phone and in writing on XXXX XXXX, XXXX. A XXXX Police report was also sent along with the XXXX XXXX XXXX investigation forms. I received letter dated XXXX XXXX, XXXX, from XXXX XXXX XXXX stating that they completed investigation in my fraud claim and claim has been resolved in my favor. The letter also states that Credit Bureau agencies have been notified to remove this account from my credit profile. 
As of today, my credit report has not been corrected and still shows balance of {$2100.00}. I tired to resolve this matter with both with XXXX XXXX XXXX XXXX XXXX XXXX representative over the phone ( XXXX ) three to four times in last 12month without any success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 following accounts are fraudulent accounts inwhich has mentally and emotionally taken affect on me. In addition the 3 major credit reporting agencies are reporting these accounts without physical documentation. I'm now demanding the Method of Verification inwhich was used in the process of the investigative matter of these accounts. I'm demanding the name and title of the investigator. Also what method was used, tlphone, fax, XXXX XXXX, etc. If you nor your companies can provide this information then please remove and block these accounts immediately. 

1 ) XXXXXXXX XXXX  {$190.00} 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) 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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX CARD SERVICES Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-05-24
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A guy on XXXX saying he is selling XXXX  skins. I paid him XXXX  dollars. When he received the money he blocked me on XXXX and never gave me my skin. How can I get that money back it was my XXXX year old sons he is heart broken. His name on XXXX is XXXX XXXX XXXX XXXX @ XXXX and his so called pay pal name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
From XX/XX/2019 through the present, I have been receiving communication from USAA Credit Card Services in Statements via an online portal on Alleged debt that is owed. The Truth and Lending Act is intended to inform consumers of credit, and I have been deceived concerning the information in my consumer credit transaction. According to 15 USC 1692j, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I am the original creditor ; I am Protected as a consumer against the alleged debt 15 USC 1692a ( 3 ). According to 15 USC 1692e ( 11 ), Failure to disclose in the initial written communication with the consumer and also, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. According to 15 USC 1692b ( 2 ), this includes when sending out statements. Any debt collector communicating with any person shall not state the consumer owes any debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I asked to let me escrow my own mortgage and I got a abusing call back saying no within 7 hours when they said it would take 3 days. And I was called a stupid XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
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: Investigation took more than 30 days

Complaint:
There are 3 accounts I disputed and I received notification, after the required wait time, these account had been removed from my report : XX/XX/XXXX The XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX However, I go in and check my credit report and guess what, there these 2 accounts are is back on my 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 2021-02-23
Company: CITIBANK, N.A.
State: CA
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 XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting MACYS DEPARTMENT STORES ( Opened XXXX XXXX, XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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 2017-08-10
Company: SYNCHRONY FINANCIAL
State: NY
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX I placed an order for new XXXX XXXX with XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX, NY XXXX. I did provide frames, everything else was going to be provided by them : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX. The total amount charged was {$610.00} including 20 % store discount. The credit card used was CareCredit XXXX XXXX, telephone number ( XXXX ) XXXX. Few weeks later I picked up my new eyeglassess and immediately noticed they did not work well for my eyes. I did give them a try for a few days but it just didnt work. On XX/XX/XXXX I asked the optical place to correct the issues and the new order was placed. It included the following : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX. I was told that XXXX brand will work better for my eyes. I was not charged additional amount of money. While waiting for my new eyeglasses, I did my own research on XXXX brand and also talked to few well respected optical places in XXXX just to find out that XXXX brand is outdated and more importantly {$300.00} cheaper then XXXX. I went back to XXXX XXXX and ask if there will be a price adjustment considering the {$300.00} price difference between XXXX and XXXX XXXX XXXX. Their answer was no. On XX/XX/XXXX my new eyeglasses were ready and they worked better then the first pair. I asked the store manager about the price adjustment again and the answer was the same. Few days later I started a dispute through XXXX XXXX. I was never contacted by the bank to provide them with my evidence. On XX/XX/XXXX I received a letter from the bank notifying me that they released the dispute in the providers favor ( XXXX XXXX ) and leaving me with an option of reopening the dispute. On XX/XX/XXXX visited few more optical places in XXXX asking for their help in identifying my new lenses. The all agreed that this is not a XXXX brand and also they could not identify any brand name. They all suggested that something very strange was done to my new lenses. At this point Im very much concern about my vision and whether I should continue wearing my new glasses or not. On top of that, I feel strongly that I was cheated or even robbed.

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 2020-11-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, 2019 with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require thi accounts to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2020-01-22
Company: IQOR US INC
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have no been able to repay my student loan and it keeps changing carriers. Further more the interest and penalties now are more than double the principal. 

I understand they are calling me however, Allied Interstate LLC has been calling someone else with a similar name that works for my company. I have no affiliation with this person 's phone number and live 800 miles away from this person. The only link that we have is that we work for the same company.

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 2019-03-15
Company: SYNCHRONY FINANCIAL
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:
Synchrony bank has been repeatedly reporting various accounts including closed accounts that were discharged in a bankruptcy to all 3 credit bureaus showing the account holder ( myself ) as deceased. I have disputed this over and over again to all 3 credit bureaus and with synchrony bank ( when I can get a hold of someone ). I have no answers as to why this keeps happening and it keeps causing me to have no credit score. This feels like harrassment from synchrony 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 2020-05-19
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I first received a text message on XX/XX/2020 from a phone number of XXXX, asking me to Contact Convergent Outsourcing Inc at XXXX regarding my XXXX XXXX Account. The message also stated it was a n attempt to collect a debt. I contacted XXXX, immediately afterwards and was told I do not owe them any money. 

Someone named XXXX XXXX called me a few days later stating she was with Convergent Outsourcing, and t he purpose of her call is an attempt to collect a debt, and asked me to verify the last four of my phone number. I relied to the caller, I will not, and that the call is a scam, and ended the call. 

I called XXXX again, and was told I do not owe them a balance. 

I received a letter in the mail dated XX/XX/2020, stating I owe a balance of of {$63.00}. The letter had the address of the collection agency as XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX XXXX XXXX, XXXX, WA XXXX I contacted XXXX on XX/XX/2020, and eventually spoke with a supervisor. He attempted to contact the collection agency by phone at XXXX and while we were all on a three way call, the same person who contacted me stating their name was XXXX XXXX was on the line, and stated she was not able to access an account for me, with the account number, reference number, or phone number provided, then she stated, she could not access the account because she is having computer issues. We ended the call. On Monday XX/XX/XXXX, I requested a credit freeze on all three credit reporting agencies. Something is wrong here, and it needs to be resolved. I have my account statements that show I do not owe a balance.

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 2023-01-12
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX Banks Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation