BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: National Credit Systems,Inc.
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As a young man with minor responsibilities I went into school to better my future. Like any young adult I was not financially stable and needed assistance to do so with a student loan. Fortunately, as I became a student I made the decision to get married to the love of my life and then came our beautiful two children. My responsibilities increased as my family depended on me. I had to divide my time to attending school, working a full time job and to spend time with my loved ones. Things were getting too stressful, so my time as a student has stretched out into part time student credits. Up until now, I still am a XXXX XXXX  trying to tackle my tasks, one at a time. I was deceived by being told that I did not need to start paying off my student loans until after I graduated. 

I've contacted this company about my outstanding debt. I pleaded that they allow for a settlement or a payment plan in order to pay the large sum. It was denied. I am trying to purchase a home but unfortunately this is putting a strain on my credit report and is preventing me from doing so. This is effecting me from providing my family with a decent lifestyle. 
I wish there was a way we can come up with a resolution and dispute this enormous amount. The NTL Credit Systems has failed to provide me with a compromising settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Experian Information Solutions 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:
I have never used this address, nor do I know whom resides there. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification 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 non-monetary relief
Consumer complaint received 2021-02-05
Company: EQUIFAX, 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:
Please re-investigate the information that are NOT relating to any transaction by the me. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: NV
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 made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2021-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I did a pre-qualification for a car loan and was advised to send in my banking statements. I sent in XXXX, XXXX and XXXX to capital. I received an email to call in regarding my application and was advised I could not used my XXXX XXXX  banking statement. They stated I can not used this information although it is coming from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Hello, In XX/XX/XXXX and prior, Ive been going back and forth w/ XXXX  regarding several issues with my account. Being that several people were emailing me in regards to my concerns. No one was really checking my account for notes prior to contacting me after the last person. 

Anyway, the remaining issue still exists. On TransUnion report under XXXX, instead of 2 accts. Only 1 acct. shows for XXXX, that account shows as CLOSED, that acct. also has in the remarks section that they were included in my Chapter XXXX Bankruptcy ( Case # XXXX, filed XX/XX/XXXX, discharged XX/XX/XXXX ) IF you so choose look up this public record, it will confirm that NO STUDENT LOANS WERE INCLUDED IN MY CHAPTER XXXX BANKRUPTCY. I have told all 3 credit bureaus this repeatedly, they have not removed this information. I have requested repeatedly from the student loan servicers to have this information removed & reported accurately. Instead on my report it just shows, consumer disputed ... .consumer disputed. Im disputing but nothing is being resolved. Whats the point in going through their processes in contacting them if they dont care? Please enlighten me. It is MY credit scores that are effected. It is me, thats buying a home. 

They can send out the right paperwork when billing but not care what the credit bureaus report based on THEIR information. Thats not ok.I need all XXXX information to be reported accurately across all 3 credit bureaus. There are 2 ( TWO ) accts. not one, both are OPEN, under no circumstances were either filed in my Chapter XXXX Bankruptcy. Correct it. 

ALL DOCUMENTS ARE ATTACHED.

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 2021-01-22
Company: CITIBANK, N.A.
State: FL
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 disputed a transaction with my Citi Visa card where the merchant did not repair a broken desk chair that was missing parts on arrival, and Citi declined my chargeback.

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 2022-03-28
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: Was not notified of investigation status or results

Complaint:
Hi. Please help me with these accounrts I am reporting. They have been included wrongly in my account and it has already casued me so much distress since they are hurting my credit scores. The bureaus do not want to delete them no matter how i explain this to them. Please

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 2020-07-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX I've had XXXX  XXXX  XXXX for over a decade and I've been fighting this issue for the last two years. Applied and was granted a payment plan Recently, due to COVID I've accepted a payment deferral plan in XXXX ( which is supposed to deter late payment fee's/credit reporting while on the plan- per their website ). 

However, late payments occurred on my credit report XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. This is incredibly disappointing especially at a time like this. 

I would like CFPB to investigate this " COVID relief plan '' the bank is offering because it is FALSE advertising and ruining people 's lives. Highly unacceptable and disappointing from bank like this.

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 2021-02-05
Company: BROKER SOLUTIONS, INC.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After declining to pursue a refinance with New American Funding, a representative sent an email requesting details why I chose not to pursue the loan, and included approximately 50 other customers on the same email, seeking the same information from them. It was a wildly inappropriate and cavalier way to treat customer data, with no concern for consumer protection even after the mistake was highlighted by another customer. Some customers shared their rationale with the entire group before the mistake was brought to light.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
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: Was not notified of investigation status or results

Complaint:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
CMRE FINANCIAL SERVICES , INC is reporting a medical debt from XXXX XXXX XXXX in the amount of {$1700.00} since XXXX of 2017. I have disputed this debt as a hippa violation and sent a validation letter and have not got a response. Furthermore the bureaus state that the debt is verified as accurate without any documentation. CMRE FINANCIAL SERVICES , INC is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA and to my knowledge is not licensed or bonded to legally collect a debt in the state of Texas. I am more than disappointed at the affects this has had on my credit report the last 3 years. Please have them remove this debt due to the aforementioned. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2020. They have fail to comply within the 30 day statute of limitations.

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 2021-01-24
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/XXXX I decided to freeze my credit. I had no problem with XXXX XXXX and Experian but Equifax would not let me create an account. They said I could request a verification letter. I received the letter on XX/XX/XXXX. I used it to complete the enrollment as prompted and it said I was successful. When I tried logging in it said there was a problem and would not let me in. On XX/XX/XXXX I called customer service. He asked a number of verifying questions which I answered to prove it was me. After all that he told me I had to fax or email my social security card or driver 's license. I refused and he hung up on me. There is no way I want that information open to anyone. This sounds very suspicious to me. So now I have frozen credit on two bureaus with no issue but Equifax is trying to make me jump through hoops. 

I have attached the verification letter sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Experian Information Solutions 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 information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. 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 non-monetary relief
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX I've had XXXX XXXX  XXXX for over a decade and I've been fighting this issue for the last two years. Applied and was granted a payment plan Recently, due to COVID I've accepted a payment deferral plan in XXXX ( which is supposed to deter late payment fee's/credit reporting while on the plan- per their website ). 

However, late payments occurred on my credit report XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. This is incredibly disappointing especially at a time like this. 

I would like CFPB to investigate this " COVID relief plan '' the bank is offering because it is FALSE advertising and ruining people 's lives. Highly unacceptable and disappointing from bank like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: AZ
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:
Due to me being a victim of identity theft I spoke with XXXX at Equifax on XX/XX/XXXX, and XXXX at XXXX on XX/XX/XXXX about the unauthorized account that appears on my credit report I request the following account to be delete and removed off my Equifax credit report and XXXX  Credit report : " XXXX XXXX XXXX  '' Open Date XX/XX/XXXX Amount {$300.00} Account XXXX .Doing the trouble sometime when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my Equifax credit report, and my XXXX credit report due to my identity been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
OnXX/XX/XXXX I contacted XXXX @ the apartment complex I use to stay at names XXXX XXXX XXXX, she informed me that the complex name has changed I asked her about this alleged debt that is listed on my report and she stated that she has no idea that the files and 40 % of this business ( XXXX ) was purchased by a company called XXXX XXXX XXXX she then provided me with a new to XXXX which I spoke to a rep named XXXX. I asked XXXX about this alleged debt and wanting answers he proceed to say he has no idea about this debt and it was sold to a company called XXXX XXXX. I asked XXXX if my alleged debt was sold why am I being charged for something that was written off. He stated Im not  sure you need to contact XXXX XXXX for answers ( I have recorded calls ). On XX/XX/XXXXI contacted XXXX XXXX and spoke with an rep named XXXX XXXX I asked him about my alleged debt and he couldnt provide me with any information concerning this debt the only thing he stated was documents are being mailed to you today. I also contact XX/XX/XXXX, XX/XX/XXXX and Experian concerning this debt and I havent received a response!! This has been going on for 5 months are so.

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 2020-09-07
Company: FCI Lender Services Inc.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
FCI LENDER SERVICES INC ( " FCI '' ) Claims they are the Servicer for XXXX, XXXX. 
The loan was not assigned to XXXX XXXX. 
Attached is a copy of the letter from FCI stating that they are the Servicer for XXXX, XXXX. 
If the loan is not assigned to XXXX XXXX. Then the question of enforcement does not arise. 
Currently XXXX XXXX is not licensed as a Lender. Pursuant to MD. Financial Institution Section 11-219 ( a ) Sale prohibited. -- A licensee may not sell a loan account to any person who is not licensed under this subtitle.

( b ) Account unenforceable if acquired by unlicensed person. -- A loan account that is acquired by a person who is not licensed under this subtitle is not enforceable. 
NOR. as Collection Agency in the State of Maryland.

Md. BUSINESS REGULATION Code Ann. 7-301 ( a ) In general. -- Except as otherwise provided in this title, a person must have a license whenever the person does business as a collection agency in the State.

FCI can not priovide Services to an entity who lacks the required licenses.

FCI is involved in unjust enrichment, willful malicious prosecution of a Homeowner.

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 2023-02-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/23 {$4300.00} {$3400.00} I had wire transfer fraud and they only made XXXX attempt to retrieve my funds back and was very unsuccessful

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX I've had XXXX XXXX  XXXX for over a decade and I've been fighting this issue for the last two years. Applied and was granted a payment plan Recently, due to COVID I've accepted a payment deferral plan in XXXX ( which is supposed to deter late payment fee's/credit reporting while on the plan- per their website ). 

However, late payments occurred on my credit report XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. This is incredibly disappointing especially at a time like this. 

I would like CFPB to investigate this " COVID relief plan '' the bank is offering because it is FALSE advertising and ruining people 's lives. Highly unacceptable and disappointing from bank like this.

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 2018-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Capital One is repeatedly calling my child 's mother 's parents in an attempt to collect a debt. This is an abusive practice as the attempts to communicate with such persons as occurred more than once, they have identified from where they are calling without being expressly requested. Doing so has purported the implication that a debt is owed. The creditor has no reason to believe that I have ever resided at that property or could be found at that number. The owners of this number have reached out to me as they feel harassed by these abusive collection practices. The purposes of these calls are to defame, embarrass, and humiliate the debtor. This is damaging to my character and personal reputation in addition to causing strain in my personal relationships.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off 4 accounts in full on all 3 of my credit reports XXXX, XXXX and Experian and not only are all of them has been reported as paid in full on my credit reports by the companies, The credit report agencies dropped my credit score even lower than what they should be and I want to know why and want my credit reports at all three credit reporting agencies corrected and my credit score where it should be ... ( Going up ). Now if you can not rectify this situation, can you point me to who can correct this situation? Thank you!

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 2018-04-06
Company: Cadillac Accounts Receivable Management
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2013 a Collection account was placed on my credit file. Amount {$240.00}. 

There has been no notification of this debt. I have mailed this collection agency twice with no response.

Company response to consumer: Closed with explanation