BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-26
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Navy Federal Credit Union continues to report an account for me that is well beyond reporting in the 7 year statute of limitations. I have tried to do multiple disputes through the credit bureaus that are ignored and there has been no validation of the debt proving th at Navy Fe d is right in their reporting. The last activity on this account was approximately in  XXXX  o f 2008.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am in debt of XXXX in regards of a medical bill that i honestly dont remember .. i do Know that Im at not able to pay this balance but i would like a ok credit,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On  XXXX   XXXX ,  XXXX  I received a letter from  Chase Business Card Services indicating  the bank closed my Chase Business Ink credit card account. see attached letter.     I contacted the bank on  XXXX   XXXX ,  XXXX  to inquire about the closure and requested account reinstatement. After going over financial as well as credit review, the associate advised that he submitted request for reinstatement.     On  XXXX   XXXX ,  XXXX , I received a phone call from representative  XXXX  from  Cardmember Services f rom  XXXX  AZ advising that upon review of the request, she was unable to   reopen the account due to 2 reasons.
1. Accounts on Credit report have not been open long enough.
2. Number of accounts on credit bureau.
I have had this Chase Ink accou  nt since  XXXX   XXXX . I always maintained a good history with this card as well as other credit cards that I have, personal and business.     I would like this matter to be reviewed on  the executive level and reinstate my account. The reasons the bank is using are vague and does not apply to me what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
Upon reviewing my credit report I mailed a  XXXX  letter on  XXXX   XXXX ,    2017  by certified mail in order to remove an account that is on my account due to fraudulent activity. On  XXXX   XXXX ,    2017  i issued a fraud alert on my credit report so that this could not happen again. I have not heard back from   XXXX   and would like this account to be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: EQUIFAX, INC.
State: MN
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:
My student loans are in default. I have entered into a payment arrangement with  XXXX , the collection company for the loan issuer. Th e   XXXX   XXXX   XXXX   tells me  they will not report my payments to the credit bureaus.The loans will stay in default. They also have  XXXX  loans issued by the same bank and although the original loan shows on my credit as  XXXX  loan, now they are separated into  XXXX  loans making my credit even worse. I thought making payments would be reflected on my credit but all it shows is that they are in default. I do n't expect that to chang e ( the default ) h owever, they should have to report my payments and show that I am trying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
My student loans are in default. I have entered into a payment arrangement with ACT, the collection company for the loan issuer. Th e Dept of Education tel ls me they will not report my payments to the credit bureaus.The loans will stay in default. They also have  XXXX  loans issued by the same bank and although the original loan shows on my credit as  XXXX  loan, now they are separated into  XXXX  loans making my credit even worse. I thought making payments would be reflected on my credit but all it shows is that they are in default. I do n't expect that to change  ( the d efault ) however, they should have to report my payments and show that I am trying.

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 2017-04-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THE COMPANY NAME WAS   XXXX   XXXX   XXXX   THEY WOULD NOT GIVE ME THERE ADDRESS ON  X/XX/2017    THERE PHONE #  XXXX  REFRENCE #  XXXX  THEY TOLD ME THEY WERE GOING TO TAKE MY  XXXX  VECHICLES AWAY PLUS GARNISH MY WAGES WHICH IS SS.THE DEBT WAS FOR {$1600.00} FROM HSBC THAT DEBT WAS PAYED IN FULL THRU MY BANKRUPTCY IN  XXXX  DISTRICT OF ILLINOIS  XXXX  DIVISION. I HAVE ALL THE PAPER WORK CASE #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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:
On XX/XX/2022 and XX/XX/2022 Consumer Reporting Agency Equifax were given written instructions to delete the adverse, inaccurate and unverifiable item of information listed on the consumer report it furnished, an CHARGE OFF account titled XXXX XXXX XXXX  XXXX XXXX, XXXX. Equifax is in violation of 15 USC 1681c ( a ) 4 and and15 USC 1681c ( a ) 5 of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted letters to  XXXX , Transunion, and  XXXX  regarding multiple student loan accounts that were on my credit report that are duplicates back in  XXXX . These accounts have been closed and paid, transferred to another lende r ( Consolidated ). I have also called them in regards to this matter as well. I have not received anything, no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted letters to  XXXX ,  XXXX , and Experian regarding multiple student loan accounts that were on my credit report that are duplicates back in  XXXX . These accounts have been closed and paid, transferred to another lend er ( Consolidated ). I have also called them in regards to this matter as well.  I have not received anything, no results.

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 2017-04-26
Company: Pendrick Capital Partners Holding, LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I asked them if I could pay this debt or a settlement would they do a pay for deletion. They said yes. They did not keep there word. I paid this debt and they said they would delete it from my credit report. All  XXXX  bureaus. It 's still reporting on my credit report. The account was paid. I then received a letter in the mall saying Please be advised that this office repres ents Patrick capital partners con cerning the above preferred account originated from  XXXX   XXXX   XXXX   XXXX  According to our client on his record there is a balance due of them out at {$340.00} this will acknowledge and I was a report of your settlement payment amount at  XXXX  on  XXXX   XXXX ,    2017 thi s account is being said or close by our office thank you for resolving this matter yours truly  XXXX   XXXX   XXXX  ... This is NOT what I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
There was a collection account with  XXXX   XXXX   XXXX   XXXX , account number  XXXX  for   XXXX     XXXX   XXXX   XXXX   XXXX  that was previously deleted from my credit report in  XXXX . I just got an alert that this account was put back on my credit report in  XXXX   XXXX .     The Fair Credit Report Credit States under secti on 611 P rocedure in case of disputed accuracy ( a ) (  5 ) ( B ) ( ii ) Not ice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later tha n 5 bu siness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.     I was never notified of this account being reinserted and therefore is a clear violation of the FCRA.

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 2017-04-26
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: Old information reappears or never goes away

Complaint:
There was a collection account with  XXXX   XXXX  ,  XXXX , account number  XXXX  for   XXXX     XXXX   XXXX   XXXX   XXXX  that was previously deleted from my credit report in  XXXX . I just got an alert that this account was put back on my credit report in  XXXX   XXXX .     The Fair Credit Report Credit States under secti on 611  Procedure in case of disputed accuracy ( a ) (  5 ) ( B ) ( ii ) N otice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later  than 5 bu siness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.     I was never notified of this account being reinserted and therefore is a clear violation of the FCRA.

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 2017-04-26
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:
Equifax is reporting a PAID FEDERAL TAX LIEN which is beyond the statute of limitations according to The Fair Credit Reportin g [ 15 U.S.C. 1681c ],  which lists items that are to be EXCLUDED from consumer reports. Item number  XXXX  states " Paid tax liens which, from date of payment, antedate the report by more th an seven year s. '' ( The original filing date of the lien is  XXXX . The lien is satisfied, and should have been removed in  XXXX , 7 years after the filing date. ) Additionally, Equifax is simply reporting this a  Federal Tax Lien  with no notation that it is paid.     On  XX/XX/XXXX  I submitted an online dispute with Equifax, which to date, still shows my request is " pending. '' Equifax #  XXXX .     On  XX/XX/XXXX , I called to ask what was happening with my dispute and why it was taking so long to resolve. At that time, I was told that this item would remain on my report 7 years from the date I paid the lien. I argued with them, and Equifax representative took a secod complaint over the phone. #  XXXX . Their resolution was that they confirmed the lien with  the County Recorder 's Office.      Though I have provided a copy of my Relea se of Federal Tax Lien notice , and cited the Fair Credit Reporting Act, Equifax is refusing to remove this from my credit report.     I would like to note that it took me less  than 5 min utes to dispute this  with  XXXX  o nline. They removed it from report the following day, and e-mailed a link to my revised credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Attempted to enroll in auto payment to pay the monthly minimum balance due. Paid the minimum payment on time for several months. Company is now claiming that amount ( that they calculated ) is incorrect and we need to pay {$1200.00} within 3 days to make up for their error. This is the first time we have been contacted about the discrepancy despite us being incorrectly billed for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, GA XXXX Collecon : XXXX XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  GA XXXX XXXX : XXXX XXXX XXXXXXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX, GA 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 2020-10-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello. 
I used XXXX at XXXX to transfer money and I closed the account because I had to go back to XXXX. 
The date was XX/XX/2020. 
I supposed to receive money by today but I did not still get it. 

Before I close account, I asked banker whether it is ok or not and he told me that it is ok because it did not show any error. 
But actually I think there is an error. 

And may be I found what the error is. 

I told the recipient account number is " XXXX ''. 
But I think may be I needed to put " XXXX '' which is branch code before the number. 

about this error, I called XXXX first. 
And he told me to call to XXXX, and it told me that they can do nothing. 

Why do you do rotation????? 
I am so frustrating. 

I do not need the phone number any more, but please give me the solution. 
I want you to send me money as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: EQUIFAX, INC.
State: AZ
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: Problem getting your free annual credit report

Complaint:
Online I we nt to www.AnnualCreditReport.com to get the one free cred it report per year that citizens are entitled to by law.  XXXX  provided this free report online with no problems.     MY COMPLAINT : Equifax and   XXXX   both would not provide the free report ONLINE. Their websites told me I had to use snail mail to provide them with paper copies of my drivers ' license, social security card, letters showing my address, lists of past addresses, employment verification, etc. and only then would they snail mail my free credit report to me. In other words,  XXXX  and Equifax put up every possible roadblock to make it difficult to obtain t he one free cr edit report per year that citizens are entitled to by law.     MY REQUEST : Please make Equifax and  XXXX  comply with the law and provide citizens with one free credit report per year ONLINE like TransUnion does.     Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: Account Control Technology, Inc.
State: MN
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:
My student loans are in default. I have entered into a payment arrangement with ACT, the collection company for the loan issuer. The  Dept of Education tells m e they will not report my payments to the credit bureaus.The loans will stay in default. They also have  XXXX  loans issued by the same bank and although the original loan shows on my credit as  XXXX  loan, now they are separated into  XXXX  loans making my credit even worse. I thought making payments would be reflected on my credit but all it shows is that they are in default. I do n't expect that to change  ( th e default ) however, they should have to report my payments and show that I am trying.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 stayed in an XXXX. The description was nothing like reality. XXXX said I would be reimbursed for cleaning fee but I never got that credit.

Company response to consumer: Closed with explanation