BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-06
Company: Experian Information Solutions Inc.
State: AL
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: Problem with personal statement of dispute

Complaint:
Hi to whomever in concern, This is a goodwill request to remove the late payments from my credit reports and adjust them to " Paid as Agreed ''. I was late with my student loans through XXXX XXXX for the months of XXXX and XXXX of XXXX. In result, I have 90 day and 120 day late payments on my credit reports. I did receive proper notification of the late payments, but at this time I was completely unaware of the consequences. But today, I am completely different. I have not had a late payment not only students loans, but I have n't on ANYTHING in over 29 months. I have the receipts to show that I have not missed a student loan payment in over 2 years. And I never will again. If possible, please help remove these late payments from my credit reports from the three major credit bureaus, as they are stifling my scores. I have turned a new leaf, and hope to use my credit in the very near future to start a business on top of other things that require a high credit score. I can not achieve this with these derogatory marks holding me back. These were the LAST late payments I will EVER have on my credit reports. Please let me know what I can do, or if additional information is needed.

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 2017-11-03
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Call from ( XXXX ) XXXX representing Am Ex promo cruise. Not a member but pushed 1 to talk o a human. Told her I am on the do not call registry. She hung up on me immediately. Tried texting the number and text was blocked No doubt this is a scam My number is XXXX XXXX XXXX. Happened about an hour ago. Any help resolving this greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX 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 2022-03-08
Company: Medical Data Systems, Inc.
State: NC
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:
I sent a debt validation letter on XX/XX/2022 and this company has failed to validate my debt. Instead they sent me a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. 

company : Medical Revenue Services Medical data Systems, INC XXXX XXXX XXXX XXXX XXXX XXXX, AL 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 explanation
Consumer complaint received 2021-04-16
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
dispute # 1 : There is an inquiry on my XXXX  credit report from XXXX XXXX XXXX inquiry date XXXX. I did not inquire anything from XXXX this was done fraudulently against my knowledge and my consent I did not sign for any of this Dispute # 2 : cbna inquiry date XXXX national credit card cos. This inquiry also is fraudulent as I did not inquire anything from Citibank North America this was done fraudulently against my knowledge and consent I did not sign for this this has already been removed from my XXXX  consumer report deleted from my XXXX consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: EQUIFAX, INC.
State: AL
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: Problem with personal statement of dispute

Complaint:
Hi to whomever in concern, This is a goodwill request to remove the late payments from my credit reports and adjust them to " Paid as Agreed ''. I was late with my student loans through XXXX XXXX for the months of XXXX and XXXX of XXXX. In result, I have 90 day and 120 day late payments on my credit reports. I did receive proper notification of the late payments, but at this time I was completely unaware of the consequences. But today, I am completely different. I have not had a late payment not only students loans, but I have n't on ANYTHING in over 29 months. I have the receipts to show that I have not missed a student loan payment in over 2 years. And I never will again. If possible, please help remove these late payments from my credit reports from the three major credit bureaus, as they are stifling my scores. I have turned a new leaf, and hope to use my credit in the very near future to start a business on top of other things that require a high credit score. I can not achieve this with these derogatory marks holding me back. These were the LAST late payments I will EVER have on my credit reports. Please let me know what I can do, or if additional information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
XXXX XXXX now navient I have Over 12k if student loans they will not offer me a lower payment without sending me to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: LA
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 been trying to get XXXX and Equifax to resolve the issue on these two accounts. I have complaint about the HIPPA privacy violation and have complainted to XXXX for their assistance. I am continue to receive calls about my medical condition wich is againt the HIPPA law. I have also filed complaints with CFPB and directly with XXXX and Equifax and as of today no resolution. Please comply with my request. I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my XXXX credit report : DISPUTED ACCOUNTS 1. XXXX XXXX XXXX Account number XXXX 2. XXXX  XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Problem with personal statement of dispute

Complaint:
Hi to whomever in concern, This is a goodwill request to remove the late payments from my credit reports and adjust them to " Paid as Agreed ''. I was late with my student loans through XXXX XXXX for the months of XX/XX/XXXX and XX/XX/XXXX of 2015. In result, I have 90 day and 120 day late payments on my credit reports. I did receive proper notification of the late payments, but at this time I was completely unaware of the consequences. But today, I am completely different. I have not had a late payment not only students loans, but I have n't on ANYTHING in over 29 months. I have the receipts to show that I have not missed a student loan payment in over 2 years. And I never will again. If possible, please help remove these late payments from my credit reports from the three major credit bureaus, as they are stifling my scores. I have turned a new leaf, and hope to use my credit in the very near future to start a business on top of other things that require a high credit score. I can not achieve this with these derogatory marks holding me back. These were the LAST late payments I will EVER have on my credit reports. Please let me know what I can do, or if additional information is needed.

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 2022-03-08
Company: National Check Resolution Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I just received an email saying that I owe {$3000.00}. The account says XXXX XXXX which I have never heard of and that the account was opened in 2019 in XXXX. 1 ) I have not been to XXXX in 2019nor did I open any account in 2019.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Global Asset Management Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On several occasions I have advised they can not call my place of business I work in a XXXX XXXX They continue to call over and over every day my place of employment. 

I verbally spoke to someone who called me 8 times in a row on XXXX, they would call I would disconnect, they would call back and did this for 8 times in a row at my place of employment. 

On XXXX I received a message from them AGAIN on my work voice mail. 

I have asked several times for them to mail me my statement showing me all the payments I have made so far and they refuse and just keep calling my work. It needs to STOP immediately.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I tried to reach out to all three credit bureaus to remove the hard inquiries from my credit report Equifax XXXX aI and XXXX but they refuse not to

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: LAND HOME FINANCIAL SERVICES
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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 raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently reached out to the three credit reporting agencies in regards to removing XXXX XXXX off my credit report because of the inaccuracy and the erroneous it have allowed this creditor to report, I submitted numerous times in writing through via mail ( see proof of receipts ) attached. I also have submitted direct dispute through there online portals with each CRA and nothing have got resolved, as a consumer I have the right to dispute anything on my credit report that doesnt appear to be accurate, so after challenging these CRAs I received correspondence from the creditor on XXXX XXXX stating that they have sold the car and that the car been in they possession since XXXX XXXX and I provided the CRAs that letter as well waited for an additional 30days only to be told that the direct furnisher was handling dispute personally after they said the information/ account was verified accurate, I checked my personal information that was associated with this account and none of the personal identifiers reflect my credit profile information so how can you say this account is accurate if the information used to associate me with this account is not there? How did yall verify this information? this lead me to conclude all three credit reporting agencies have violated the FCRA laws for being non compliant and allowing this furnisher to continue to report and should dealt with. After numerous times reaching out trying to get this debt resolved I was told the dispute wouldnt be reinvestigate because of the information was verified accurate which is contradicting to XXXX XXXX  and all three credit reporting agencies. Not only have it put me at great risk but it also caused me to invest time l, energy and money during a pandemic that I did not have unfortunately, putting me and the integrity of my credit at great harm. I need this account to be removed ASAP.

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 2022-03-08
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed this data on my credit report. I called this company several times, but they could never find my name or account. They are still reporting this as a collection, but have never received any communication from them, yet they claimed it's verified, but I have no proof that this account is actually mine. 
Initial complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: EQUIFAX, 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:
On XXXX/XXXX/XXXX I applied for a XXXX XXXX Secured XXXX Credit Card. I received an Approved status ( Reference Number XXXX ). I had the funds in my account and waited the 7 - 10 days for them to retrieve them. It never happened then within that period I received a letter saying i was not-approved. I was irritated but after seeing on the news the fraudulent accounts XXXX XXXX created I thought perhaps that was what is was and I was kind of glad the account was n't opened now. Then on XXXX/XXXX/XXXX it was reported that i had a credit card account opened and closed within days. I have repeatedly disputed it wanting it removed. I never received a card or any account information yet it ruins my already struggling credit. It dropped me 30 points they day it went on due to my young aged credit. I would like this immediately removed and an explanation to why this was done. I also do not understand how the CB could let this go on my report with such an incomplete picture.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
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:
I recently reached out to the three credit reporting agencies in regards to removing XXXX XXXX off my credit report because of the inaccuracy and the erroneous it have allowed this creditor to report, I submitted numerous times in writing through via mail ( see proof of receipts ) attached. I also have submitted direct dispute through there online portals with each CRA and nothing have got resolved, as a consumer I have the right to dispute anything on my credit report that doesnt appear to be accurate, so after challenging these CRAs I received correspondence from the creditor on XXXX XXXX stating that they have sold the car and that the car been in they possession since XXXX XXXX and I provided the CRAs that letter as well waited for an additional 30days only to be told that the direct furnisher was handling dispute personally after they said the information/ account was verified accurate, I checked my personal information that was associated with this account and none of the personal identifiers reflect my credit profile information so how can you say this account is accurate if the information used to associate me with this account is not there? How did yall verify this information? this lead me to conclude all three credit reporting agencies have violated the FCRA laws for being non compliant and allowing this furnisher to continue to report and should dealt with. After numerous times reaching out trying to get this debt resolved I was told the dispute wouldnt be reinvestigate because of the information was verified accurate which is contradicting to XXXX XXXX  and all three credit reporting agencies. Not only have it put me at great risk but it also caused me to invest time l, energy and money during a pandemic that I did not have unfortunately, putting me and the integrity of my credit at great harm. I need this account to be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: EQUIFAX, 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:
I had requested a copy of my credit report and once receive it I saw collections on there that I had no knowledge of. I sent out letters on XXXX XXXX, XXXX, XXXX XXXX, XXXX, asking them to send me how these companies are verifying these account and they are not giving me the items that I have requested. I know that this is a violation of my right according to the fair credit reporting act. All these collections are keeping me down in my credit XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I ask that you make them do their job which is not tell me its verified but what method they use to verify. I need to see documents with my signature on it and if they cant provide me with these papers I want them to stop reporting these items as accurate because just because they said it does n't make it true so I need the papers delivered to me, so i can see how they are verifying them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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:
I called the major credit bureaus XXXX, Transunion, and XXXX yesterday. XXXX helped a little but not fully. I was hung up on by XXXX and Transunion while requesting correction on my credit report. I have mailed 2 certified letters on XX/XX/XXXX and XX/XX/XXXX requesting the same corrections. I feel like the credit bureaus are playing with consumers and flat out laugh about how many times they can violate us and the law. I know that I must give the bureaus my written permission to even provide any information on my credit report and it must be signed by me. That is listed directly under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. I do not and have not given them my consent and require the removal of all incorrect and false information I advise in 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 non-monetary relief
Consumer complaint received 2021-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Using my Capital One credit card ending XXXX *On XX/XX/XXXX I booked Hotel XXXX XXXX XXXX XXXX through XXXX for a trip from XX/XX/XXXX to XX/XX/XXXX at a cost of {$1000.00} * On XX/XX/XXXX Due to illness I cancelled my trip by email and phone to XXXX and vendor hotel XXXX XXXX at least 60 hours prior starting. They both suggested contact vice versa, which I followed ( copy enclosed ). 
*On XX/XX/XXXX I went to the same hotel and stayed few days and confirmed that I was not charged for my prior booking, I paid the hotel cost cash ( proof enclosed ). 
XXXX After returning to USA I found that I was charged for my cancelled/unused trip and contacted Capital one, they did credited the amount to my card account instantly. 
XXXX Same charge came into my account again without any notice. 
XXXX Capital one emailed me that I informed them not to dispute this matter and they have closed this case and charged me the full amount. Which is completely untrue and false. I never did informed them anything to withdraw the claim. 
XXXX After contacting Capital one they asked me to provide my papers and receipt of cash payment made by me, which I uploaded to their system. 
XXXX I received three letter dated XX/XX/XXXX and XX/XX/XXXX Capital One denying to cooperate and advised me to contact merchant directly. 

I want my money back and filed a complain also to XXXX  against XXXX. 

Thanks

Company response to consumer: Closed with explanation