BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit score with Equifax is XXXX points different than my scores with the other bureaus, a situation that has persisted for the last two years, and I suspect there is some technical problem ( like a computer problem, or something that needs to be " refreshed. " ). The result has been that creditors that use Equifax to evaluate my creditworthiness, including XXXX, have reduced my available credit ( XXXX and XXXX XXXX did this ), cancelled my account ( XXXX XXXX XXXX XXXX XXXX did this ) or denied me credit ( XXXX did this ). In turn, the reduction in credit ( called " chasing the balance '' ) makes it appear as though I have " maxed out '' my credit and hampers my score on all the credit bureaus. After extensive discussion with XXXX I was instructed by XXXX to contact Equifax and " dispute the score. '' Although I explained that I had never heard of " disputing a score '' XXXX customer service insisted that was the option I had. When I tried to do so Equifax customer service told me that 1 ) I can not dispute " the score, '' and 2 ) to contact XXXX and dispute the score with them internally. Equifax customer service also repeatedly attempted to sell me credit monitoring in response to my concerns - but I explained to them that I already have two credit monitoring services and was trying to reconcile why I had such a major score discrepancy despite not seeing significant differences as among the various reporting  agencies. I followed up with XXXX and was told by customer service that I could dispute the score with XXXX but had to write a letter. I did so. But the reply I received made no sense. When I explained this to XXXX customer service I got the continuing proverbial " run around '' to contact Equifax. The reason I think there is a technical ( computer ) problem with my score calculation is evidenced by the " reasons '' that get listed on credit denials ( I am providing one as an example ). All the " reasons '' at Equifax have periodically changed the last two years except one - the last one that says " Time since oldest account opened is too recent. '' My oldest reporting ( and active account ) is XXXX XXXX XXXX and is from XX/XX/XXXX I repeatedly asked Equifax customer service why I was seeing this statement as a reason for negative credit decisions despite having an account reporting from XX/XX/XXXXand they could not provide an answer ( instead they kept suggesting credit monitoring ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Waterfall Revenue Group
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a medical collection from a practice that I have not associated for several years. At the time of my last visit with them my account was current with no debt owed. I have a collection acct on my bureaus- I was able to dispute with XXXX  and it was removed, however it remains on the other bureaus. I have never once received any bill or indication of what this amount is from. I have checked with my insurance and there were no claims submitted for this time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TRANSWORLD SYSTEMS has inserted an account in the amount of {$260.00} representing XXXX XXXX XXXX. XXXX. I have never had any business or obligation with TRANSWORLD nor XXXX XXXX XXXX XXXX .NOR have I ever signed any form related to release any medical history to any companies. This is entirely against HIPPA. I am a victim of identity theft and there is a fraud alert on my credit file. I have also informed TRANSWORLD SYSTEMS of this status. TRANSWORLD can not provide a contract bearing my signature that I have any obligation that I would owe or ever owed them any monies. TRANSWORLD has never contacted me regarding the attempt to collect a debt yet they just inserted onto my credit file without warning. there is no contract and never has been one. there is no legal proof bearing my signature that proves that I indeed owe monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 did not open these accounts and I strongly suspect that they are fraudulent

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 2020-08-31
Company: Nelnet, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts Nelnet LNS. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This bank us horribke Everytime I apply they dont even try to approve me anymore their system hates me I want my delta credit card and I got error message they dont even check the latest copy of my credit report to see if I qualify they use an old report for denial this is ridiculous when my credit had changed over the years but they dont care to see this or get me approved how is this fair Ive tried many times I hate them I give up with this bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: THE MONEY HOUSE, INC.
State: PR
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
For the last three weeks Ive been trying to get all documents that Im entitled to under RASPA laws.Through emails Ive asked for these documents and XXXX XXXX has repeatedly stated they are on the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX ( Bank ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX ( Finance ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX ( Finance ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX, XXXX Delete this item immediately

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 2020-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-10-19
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This complaint is in reference to complaint XXXX, My initial complaint : I just learned on XXXX XXXX that Navient requested and received a hard copy of my credit report. I never authorized this transaction or requested or applied for a loan with this company. Navient continues to act recklessly, carelessly and unethically.

Navients response : The Fair Credit Reporting Act ( FCRA ) permits an existing creditor with an open account to obtain the consumers credit report for review or collection of the account. A collection agency working on behalf of the creditor is also permitted to obtain the consumers credit report. Thus, Navient and Navient XXXX as its service provider are both permitted to obtain your credit report for the purpose of collecting your outstanding debt. 

Your response describes a soft inquiry, I recognize requesting a soft copy for the purpose of collecting a dept is authorized, however Navient falsely reported that I consented to a credit check report which resulted in a hard copy request. This act has negatively impacted my credit and will remain on my credit report for two years. Navient Committed fraud and acted in an unethical manner when Navient conveyed that I provided them with consent in pulling this report. I never provided Navient with This act is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
1.When I check my credit report there was 2 late payment. 
In the case of XXXX XXXX XXXX, I never late over 6years. 
Actually, my mon XXXX XXXX because of XXXX XXXX, I had to be out of state, I didn't know late payment. ( XX/XX/2020 ) When I call XXXX XXXX XXXX, I canceled the arrears caused by Covid 19.

But I found this late payment wasn't removed.

2.I found 1 late payment of XXXX account almost over 10 years ago.

In my opinion, any record over 7 years ago should be removed.

I paid off this account.

And these 2 accounts remain on my credit report as hard delinquency.

One of the records was waived, the other record was over 10years paid off the account. These accounts that were saved by information and covid 10 years ago still remain on the record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: AR
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 submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX CT XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX  XXXX Balance Owed : {$810.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} XXXXl XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: Jim Bottin Enterprises, Inc
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a gym membership with XXXX XXXX handling the financial deductions from my account. I canceled the membership according to their requirements and had an email from them stating I had met requirements, and it stated the last day that money would be taken from my account. They continued to deduct for two months after that. I had my bank stop payments and it was reversed. The company again took XXXX dollars from my account the next month. I had sent numerous emails to this company and talked to them on different occasions. I then had correspondence from the company telling me I did not meet the requirements to cancel. I sent approximately 30 emails with proof of my requirements to cancel in addition to what I previously had sent them. They sent a different email that changes their requirements to cancel. It had changed from the previous one. I sent them a copy of the original and circled it for them!! I also filled complaint with XXXX And talked directly to the gym. I finally got an e-mail from XXXX that it was resolved and nothing further was needed. Then after my bank had reimbursed XXXX dollars, it was reversed and disputed by XXXX and they got that money back!! So they still owe me {$120.00} dollars. This practice from this company has continued for too long. XXXX knew exactly which company it was before I told them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-04
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have applied multiple times for the XXXX XXXX and because no one at the bank calls the number on my Fraud Alert they decline application as unable to verify identity.

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 2019-11-06
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:
My issue is with XXXX XXXX XXXX. 
My credit card billing shows invalid swipes in my card when i was out of country. 
I was on vocation to XXXX and i had carried my credit card with me., i have proofs to show the same ( Transactions in XXXX XXXX ) At same day my credit card is been used physically using chip all over California XXXX XXXX. 
I have reported the issue and blocked my card. 
The bank refuses to accept my dispute on the charges on the bill which i had never used or performed. 
I have submitted all proof to show that I was in XXXX during that period with my immigration reports and I94 reports and tickets of the journey. 
Still bank doesn't give my credit back and reported over limit swipe /high balance which affects my credit score. 
I have called bank directly and went to bank directly several times and i have no resolution or proof for forcing the charges on me. 
I have filed police report still there is no action.

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 2023-01-03
Company: Ascension Point Recovery Services, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This complaint is in regard to a collection letter mailed by AscensionPoint Recovery Services , LLC to collect a debt owed by my deceased mother, XXXX XXXX XXXX. XXXX of my mother 's creditors used AscensionPoint Recovery Services , LLC to collect outstanding account balances. As the XXXX of the estate, I wrote letters to the creditors to the best of my ability to inform them of the XXXX. I provided a XXXX  certificate for documentation purposes. Before I was able to settle the outstanding balances, AscensionPoint Recovery Services , LLC sent a letter to the Estate of XXXX XXXX. Sheets to an address that is not related to any of her accounts in any way. The letter was requesting information regarding the XXXX  of the estate. I am filing this complaint because I do not understand why AscensionPoint Recovery Services , LLC felt that it was necessary to send a collections advice to a random address. I believe that this predatory collection agency searched for the same last name in the same city, state, zip code as a XXXX  expedition. This is very offensive to my mother 's XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21
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: Account information incorrect

Complaint:
Dear Whom it may concern, I have a medical collection account on my credit reports including XXXX, XXXX  and Experian it was placed in collection and on my report as XXXX XXXX. I submitted a complaint to the CFPB against XXXX XXXX for never providing proof of debt and verification of debt and they stated to the CFPB, " The company responded that they are not the appropriate company to address your issue. '' XXXX XXXX admitted they are not the company to address my issue I want this collection account deleted right away because they are providing false information to all 3 credit reporting agency 's.

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 2020-10-19
Company: Experian Information Solutions Inc.
State: IL
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 filed a complaint with the CRA XXXX  Experian and XXXX. I am writing this due to noncompliance with the CRA they have failed to reply and remove details that was challenged in the past. I strongly believe that they are in violation of the FCRA and refusing to uphold the law

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 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2023 I sent a Certified return receipt letter to XXXX XXXX reporting agency ( See attached document ) regarding two unauthorized hard inquires on my credit report. The two unauthorized hard inquires are from : XXXX ) XXXX XXXX XX/XX/2023 XXXX ) XXXX XXXX XX/XX/2023 On XX/XX/2023 I sent a Certified return receipt letter to TRANSUNION Credit reporting agency ( See attached document ) regarding four unauthorized hard inquires on my credit report. The four unauthorized hard inquires are from : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-03
Company: JPMORGAN CHASE & CO.
State: NH
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:
My credit report shows a ffel consolidated loan..done online XX/XX/XXXX..student database shows it. But I did not initiate this..my original loan done back in XX/XX/XXXX..and made 4.5 years of payments..does not show up..on student database ..nor does any of my payment history..this has been very frustrating ... and wrecked my credit including IRS deferment of 2 years refunds..

I am trying to discover the actual lender..student database shows Chase..Chase said it purchased loan from you ... I need the computer location address..and any other information from original application..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation