BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-29
Company: Convergent Resources, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This student loan has a Max Delinquency date of XX/XX/XXXX and the account was closed and transferred to a collection agency as of XX/XX/XXXX. Per the FCRA, this account due to being a private student loan should have been removed from my credit XX/XX/XXXX at the earliest and definitely by XX/XX/XXXX. As of today, XX/XX/XXXX, the account has not been removed form my credit. We are outside the allotted 7 years that this debt is allowed on my credit per the FCRA. 
This was a loan that I co-signed for my brother when he was in school. I have only even had one student loan in which i have never missed a payment on. Below I have attached proof of the date of collection for the original account and the collection account with fees being added to 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 2021-11-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This must be addressed immediately! Equifax has wrongly updated old student loan accounts as new missed payments appearing monthly as additional damage when they have been CLOSED for about a decade and should not even be on the credit report at all! 

The following closed student loan accounts are all over a decade old yet keep reappearing on my credit report as new missed payments for each month. Equifax has refused to correct this issue and remove these accounts, rather they keep adding new missed payments even though they are closed. 

According to the FTC, they must be removed as they are too old to be on file. 

Remove these from my XXXX credit report immediately. 

U S DEPT OF ED/XXXXXXXX  Date Opened XX/XX/XXXX U S DEPT OF EDXXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXXXXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX  Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX U S DEPT OF ED/XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Kriya Capital, LLC
State: TN
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:
There are 2 companies reporting XXXX XXXX XXXX collections on my credit report for the amount XXXX. One company is from XXXX XXXX the other is from credence resource management. Im not familiar with any of these companies. I dont owe them anything and now it looks fraudulent. I havent had a service with XXXX XXXX XXXX since 2017. The dates and amounts are inaccurate and the companies are unrecognizable, and Ive never did business with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX is the worst company I've ever dealt with. 

Since XX/XX/2014 I have had my student loans serviced through XXXX, and have been making qualifying payments toward PSLF. Each year I re-certify my employment and electronically upload this form to their site. At this point I should have around 40 ( out of 120 ) qualifying payments, and yet, my account says I've made only 7. 

I've tried emailing and calling XXXX. They do not return emails. Their phone service providers are not helpful. I can't get any answers. 

They have also consistently raised my IBR payment each year. I have requested switching to REPAYEE for a lower payment, and have received no response. 

How does a company this large with so many people 's financial lives at stake get away with simply ignoring their customers? They provide inaccurate, harmful information. They do all they can to keep you in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 i sent a letter regarding and unknown things on my credit report. to this day over 30 days i have not received a response yet. i feel like im being taken advantage of and being completely ignored of my disputes. sections 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly i demand these accounts be deleted immediately or i will file for litigation due to the stress you caused 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 2021-01-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent a letter dated on XX/XX/2020, requesting the company to remove inaccurate information from my credit report that is on file with them. The company sent a response dated on XX/XX/2020, deleting some of the inaccurate information but left XXXX bankruptcies in the public records section. I sent a Method of Verification letter dated on XX/XX/2020, requesting how the information of bankruptcy was verified as my right as per the Fair Credit Reporting Act ( F.C.R.A. 611 ( a ) ( 7 ) -to request a complete description of all methods used to investigate my dispute ). 

To the date of this complaint, I did not receive a response and the company had fifteen ( 15 ) days to provide a response to the Method of Verification as per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received notification from XXXX XXXX XXXX that I owed Citi Bank Bank {$800.00}. 
On XX/XX/XXXX I wrote XXXX ( return receipt requested ) stating that I dispute the charge and requested verification specifically all copies of receipts of payment. 
On XX/XX/XXXX XXXX XXXX at XXXX XXXX XXXX signed for receipt of my letter. 
To date, I have not receive the requested verification specifically copies of all receipts of payment. 
On XX/XX/XXXX I opened my credit report and found XXXX XXXX XXXX had reported this un-validated and disputed debt on XX/XX/XXXX. 
On XX/XX/XXXX my attorney advised to file this complaint.

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 2020-05-13
Company: AMERICAN EXPRESS COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I contacted XXXX  regarding hard inquiries that needed to be removed. I was told to contact the Companies directly to verify if they had authorization to run a credit report. Some of the Companies do not have phone numbers. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX American Express XX/XX/XXXX XXXX Card XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On Tuesday, XX/XX/2019 I received a voicemail stating that there was an attempt to by a county processor to deliver court documentation and it was a failed attempted so in order to avoid legal obligations I need to contact them. That legal action will be taken. I did call them and I was told that we could settle if I were to pay {$670.00}, which is {$410.00} more than the original debt that is owed to Victoria Secret due to penalty fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: EQUIFAX, 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:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10
Company: HW Holding, Inc
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed a derogatory notice on a credit monitoring service. The bureau listed is Hunter Warfield ostensibly representing XXXX XXXX Apartments seeking a debt payment of {$100.00}. I did live at XXXX XXXX at one time. However, I have not received written correspondence ( mail or email ) explaining the demand for payment from either XXXX XXXX or the debt collection agency Hunter Warfield. Moreover, I have not received a phone call either. I have all mail forwarded from my previous address and my phone number has not changed. I don't believe it is a fair practice to file against someone's credit without notifying and explaining the demand for payment. I had no opportunity to dispute the payment request.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not have a contract with this Portfolio Recovery. I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to  obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau ( XXXX  and XXXX ) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I contacted the XXXX on XX/XX/2020 by certified letter. I requested that they remove some fraudulent inquires from my report. I advised them that by law they must remove and block this information from my credit report within 5 days..

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 2018-07-10
Company: Experian Information Solutions Inc.
State: DC
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 complaint is in reference to the XXXX XXXX XXXX Acct : XXXX on my Experian credit report.I have contacted Experian several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e.  something with my signature. 
As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of the listing.I do not consent to XXXX or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims actions. In the absence of any such documentation I formally request that this information be immediatedly deleted from the credit file

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 2021-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
i have send dispute letter to TransUnion on the accounts reporting and listed in the letter and i have not received any response so i am asking the remove and delete the account after 30 days fair credit report act laws.

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 2018-02-09
Company: CITIBANK, N.A.
State: MN
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:
I make a payment on my Citi Double cash and It's doesn't give me credit for the payment. My balance is the same.

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 2018-02-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I tried to make a purchase on my Chase Sapphire Reserve Credit Cards and was declined on XX/XX/2018. I logged into my account and discovered that every credit card account has been closed. Even my small business credit card account was closed. 

I called them yesterday and spoke to an analyst XXXX to get a reinstatement review on my account and to escalate to a supervisor. I received a call from the supervisor this morning stating that I was considered a risk and they are terminating their relationship. Despite the fact that I've been banking with Chase since college and have used Chased products for nearly a decade. 

I pay all my bills on time, do not run any debt balances at the end of the month, and do not do anything " wrong ''. I may have several credit cards and inquiries, but I'm just a guy who likes to get reward points to take trips, is that so wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Receivables Outsourcing, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the bill that came in XX/XX/XXXX and it was from XX/XX/XXXX of a charge of {$580.00} I am on Medicare and mass health. The company put in the incorrect billing code in order to receive payment. They came back two years later with this that I contacted Medicare and they stated that I was not responsible to pay this bill. I contacted the company directly to tell them that Medicare stated that I was not responsible for the bill because they did not put in the correct billing code and was told from Medicare not to pay. Now they sent me over to a debt collector I have contacted the company several times and notified them that Medicare stated that I was not to be billed this amount. But they refuse to listen and theyre going against Medicares policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Capstone Credit & Collection, LLC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for an apartment complex here in XXXX North Carolina and was told that i have a judgement against me from the park at XXXX XXXX XXXX XXXX XXXX XXXX Located in XXXX Florida XXXX On XX/XX/XXXX, I called and spoke with the property manager and was advised to call back and ask for assistant manager XXXX XXXX on XX/XX/XXXX. I spoke with him and requested information on the judgement against me, He advised me that there was no outstanding balance and that i did not owed the apartment complex nor did i owed anything in collections. I ask him to please provide me rental verification letter verifying this information. XXXX XXXX emailed me the rental verification letter on XX/XX/XXXX. Assuming that everything was okay on XX/XX/XXXX. I later received a letter from Capstone Credit and Collections LLC ( XXXX XXXX XXXX XXXX, Fl XXXX ) stating that I have an outstanding debt towards the park and Via XXXX in the amount of {$1700.00}. This Letter was signed by XXXX XXXX  Account number XXXX I did not have a balance nor an outstanding balance when I moved from the park at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called Capstone Credit on XX/XX/XXXX, and left a message. However, no one has returned my phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: EQUIFAX, INC.
State: NJ
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 pulled my credit reports to find that there were multiple unfamiliar inquiries bringing down my credit profile. I contacted Equifax on various occasions regarding these inquires and on one phone call it was suggested that I place a fraud alert on my credit and submit paperwork verifying the inquiries did not belong to me. I contacted each company where the inquiries were originated and was told that the inquiry did not result in an open account therefore they had no record of me in their system, so of course there was nothing they could provide me to give to Equifax. Again I called Equifax to let them know what I was told, still nothing was done. This is a clear violation of FCRA and something needs to be done immediately. This would be the second time Ive submitted a identity theft report, the first time it was faxed on XX/XX/2020 at XXXX. They verified they had received it, STILL NOTHING HAS BEEN DONE IN REGARDS TO REMOVING THESE INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
my paypal email is XXXX my account is restricted i am a XXXX and XXXX XXXX i am a XXXX XXXX XXXX XXXX XXXX  and i have received many payments from XXXX but after i got a client from XXXX and i got also from XXXX as i am a XXXX too..i just got a client for approval of adsense that is a digital marketing work worth of XXXX $ but after that all details i have provided through your call support i only upload my ids and it match with my account my why my account is permanently limited ....?? I didn't do any illegal things as you can see my transaction... if you need proof then i can send you, my XXXX link here XXXX XXXX XXXX XXXX and i have XXXX channel also XXXX XXXX XXXX

Company response to consumer: Closed with explanation