BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-10
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had student loans that i thought were set up on a payment schedule or that i would receive a bill notifying me when they were due. Unbeknownst to me i had to set up an account and set up payment without ever being notified. When i finally did get notified in the mail that i was late on a payment i set up the account for automatic payment immediately. I had no idea that i had late payment history on my credit report until recently when i applied for a home loan. I have tried to correct the late payment history with the student loan company but have not success. I had no idea that a payment was even due until they notified me and i paid it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
American Express has posted business credit information on my personal credit report. Furthermore, American Express reports this account as charged off after entering into a repayment agreement. This account is being paid as agreed by the superceding agreement, and should not be posted as a personal debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Like 140 other million Americans, Equifax failed to protect my information. 
I signed up for the credit freeze service. 
I would like to apply for credit. 
Equifax has decided to use this as an opportunity to sell new services. 
When I follow a XXXX search to unfreeze my credit, I am taken to a page for myEquifax. 
I have to give them my private information before I can sign in to my account. Not safe. This is unlike any other situation with financial institutions, where you can only give out your info inside an encrypted account - often with double authentication. 
Once I give all of that info, it says " get a new account. '' Thus - their XXXX search responses are taking me to the wrong place. 
I have worked to unfreeze my credit twice, each time for over an hour. 
I can not get credit because of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After i paid this debt, i called the company to ask that the payment cleared and when the mark would be removed. she mentioned that they dont do this, i mentioned that i have it in written documentation and couldn't respond to the issue. 

i have attached a copy of the email communication i received from the company indicating deletion of the mark in response of payment

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 2020-12-23
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I had received a letter from Dynamic recovery solutions regarding a credit/ debit bank account that was supposedly opened under my previous name XXXX XXXX XXXX XXXX a bank in Nevada which I in fact NEVER had opened. I called the bank explaining the collection letter I received, they had searched high and low using my social security number my married name and my maiden name all which could not be found anywhere in their system..what I was told was to contact the XXXX and explain my situation and how these letters are trying to impersonate a company by saying they had an account when In Fact no such account has been opened and they are asking for the customers to repay the banks back giving discounts if we could pay back the money by a certain date.. I have not not will I pay anything to these scammers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07
Company: EQUIFAX, INC.
State: OH
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 or about XX/XX/XXXX I was informed of negative information reported by the XXXX Federal Court-XXXX in  my file that Equifax XXXX XXXX Maintain. Upon receiving this information, I immediately sent a letter to Equifax challenging the accuracy, compliance and reportability of the listing. Equifax XXXX XXXX never responded to nor sent any documentation associated with this account, bearing my signature. Therefore I sent another letter on XX/XX/XXXX as a follow up to my original letter dated XX/XX/XXXX regarding the entry being reported under XXXX Federal Court- XXXX XXXX In this letter I stated that they were in violation of federal law by not replying to the first letter in a timely matter and that they also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. In response to the follow up letter, Equifax sent results of the dispute after not responding to the very first letter. The problem I have with this, is the agency they have listed as being the agency the information was verified through, is XXXX XXXX XXXX XXXX. In the month of XX/XX/XXXX, I had my files frozen and suppressed by XXXX XXXX per my request and received confirmation in the mail on XX/XX/XXXX of doing so. Upon receiving the results from Equifax XXXX XXXX, I was puzzled on how they obtain information on frozen and suppressed files, so I telephoned XXXX XXXX XXXX and was told, no agency called to request information on my files and that my files were frozen and suppressed.I have a serious problem with companies that blatantly lie and blow me off, because they can not prove accuracy. This is the reason why I am filing the complaint. I have included attachments as proof. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: CITIBANK, N.A.
State: TN
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 XXXX XXXX, XXXX, XXXX XXXX XXXX sent a copy of an Order of Substitute of Counsel on a supposed Complaint on a supposed Judgement on a debt that is from XXXX and is now Time-Barred and well past the 6 year Statue of Limitation within Tennessee for residents. ( TCA 28-3-109 ). Also, XXXX XXXX XXXX XXXX are located in XXXX XXXX MI, and upon further research regarding this firm being licensed to collect a debt in Tennessee, I have found no such information. This time-barred debt from XXXX is also no longer on ANY of the 3 Credit Bureau at of XXXX XXXX, XXXX. XXXX XXXX XXXX is trying to bully & threaten with a frivolous and unwarranted judgement upon my husband and has SHOWN absolutely No proof of the validity of the debt from XXXX. Again, this is a debt from XXXX, it is Time-Barred & 4 years past the 6 year Statue 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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX XXXX, 2022, I discovered that a new credit account was opened on my credit report. This account had been fraudulently opened without my consent. I immediately contacted the creditor XXXX and was informed that the account was opened at a car dealership in California. I was given an account number for reference.

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 2017-07-07
Company: Merchants and Professional Bureau, 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 received a copy of my credit report a few months ago and saw that there were some questionable items on my report. In XXXX I sent a letter to the credit bureaus asking for verification on this account - no verification provided. I sent a second letter to the credit bureaus i received the contact information for this creditor from the bureaus. I contacted the creditor asking for details on what this filing on my report is for. I have not received any answer for this except from the credit bureaus saying that this item is " verified. '' I have given this company over 30 days from when i sent the 2nd letter and almost 6 months since i sent the first letter. i am frustrated to see that in addition to receiving NO RESPONSE this item continues to show up negatively on my report. please investigate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: JPMORGAN CHASE & CO.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
Hi there. Within the past year, I have been the victim of identity theft. An Amazon store credit card was opened in my name, but I do not even have an Amazon account. I have constantly attempted to get this card removed from my account and my credit report, but nothing has been done. It is still connected to my chase account, and now the unauthorized transactions are so great to the point that they have maxed out the card and the card is locked. Chase still claims that it is my card, even though I do not have possession of this card, and I have never used it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Paul Michael Marketing Service
State: NY
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 sent two verification letters to collector requesting verify the debt. Fair Debt Collection Practices Act ( section 1692c ) and Rules of the City of New York ( section 5-77 ) require that you honor this request. Your cooperation will be appreciated.The first time was in XX/XX/2019. The collection did not respond. The second time was in XX/XX/2019 and I have not gotten an answer yet. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 notice that my credit report was ran without my consent on XX/XX/2019 by XXXX XXXX XXXX. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report from the banks they used with no resolve or help. I have contacted the creditors and they some said it will be removed from my report, but after 30 days it still shows. This is unacceptable and XXXX XXXX XXXX and the other creditors XXXX XXXX, XXXX XXXX, XXXX XXXX, Capital One and others havent been any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
A car dealership submitted car application for my daughter with her name, my social security number and birthdate. I did not give them my information and did not offer to be a co-signer. I did not know until I received a credit alert email. I submitted a dispute on XXXX and Transunion. I spoke to someone using Transunion chat feature and they promised to escalate the matter. Transunion returned the call but I missed it and when I called the number back Transunion refuses to take this information off of my report even though my credit report now clearly shows my daughters name on MY report as an inquiry. There is no way to dispute inquiries on the website.

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 2017-10-03
Company: United Student Aid (USA) Funds
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XXXX XXXX, XXXX, I entered into a payment arrangement with XXXX XXXX XXXX XXXX XXXX, for the purpose of rehabilitating my student loan. I spoke with their representative who I noted as being XXXX XXXX. The arrangement was to pay {$32.00} per month, 9 payments in 10 months. I provided information to allow for direct withdrawal from my checking account. A payment for {$32.00} cleared the checking account on XXXX/XXXX/XXXX. I sent in a signed form agreeing to the arrangement. They have taken no additional payments and now I have received a mailing from XXXX XXXX XXXX threatening additional action on a balance that appears to be a few thousand more dollars than before. I allowed the previous company to debit payments from my checking account and yet apparently face even more financial ruin than I already have. I already have too much on my plate with finances, health, and family issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2020, I was shopping online for personal loan, I started from the website of a online lending platform called XXXX XXXX, the webisite have said that they will not do a hard inquiry on my credit report. Then OneMain Financial, which got my information through XXXX XXXX, approached me via email to ask me to apply for the personal loan, after I typed into my information, without any notice, they have conducted a hard inquiry on my credit report which cost me 14 points. I would not give them my information if I was notified that OneMain will do a hard inquiry on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A former apartment complex { XXXX XXXX  XXXX XXXX } that myself and my daughter lived at for approximately 2 months are fraudulently trying to collect a debt from us via a collection agency : { National Credit System }. They placed this debt on each of our credit reports stating that we damaged their carpets via pet urine. Although a former attorney that I had last year emailed them showing verification that my daughter is severally allergic to pet danger. Therein, proving that we would never have a pet in the home. They also kept our paid deposit as a result of this illegal and unethical act. 

Can you please help us as my daughter is only XXXX XXXX XXXX and does not need her credit damaged because of this falsehood. Additionally, I even told National credit systems representative XXXX XXXX } that I would pay the false debt if she sent me proof in writing that the collections would be deleted after payment. But, she refused to do so, stating that I should just take her word for it. 

Additionally, National credit systems never sent me anything in writing before placing this debt on our credit files. This is also against the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 to the Fair Credit Reporting Act : XXXXXXXX XXXX acct numberXXXX XXXX XXXX XXXX acct number : XXXX Both have violated my rights. 
15 us code 1681 section 602 A. States I have a right to privacy.

15 us code 1681 section 604 A section 2 z. Says that a consumer reporting agency can not furnish any account information with out my consent.

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 2017-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email from Capital One on XXXX XXXX  XXXX demanding a transfer of funds in to a Capital One 360 Checking overdraft line of credit. It also stated that they were going to report it to the credit reporting agencies as a default. 

I have never had a checking account with Capital One. I have a credit card which I am going to cancel, but this is a blatant attempt to shake me down for cash coupled with a threat to ruin my credit. My credit is excellent ( XXXX ) and I have never made a late payment for anything, nor have I ever defaulted on any account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I file a complaint of not being able to get my credit and never received an answer from either reporting agency. Within the last 7 years I have paid the state of Maryland ( {$7000.00} ) and Virginia ( {$6000.00} ) while paying XXXX, XXXX, XXXX XXXX and XXXX  XXXX credit cards services ( over {$6000.00} ). I should have a credit score.

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