BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-13
Company: AES/PHEAA
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Federal Loan Servicing is still reporting on my credit report and should have been removed after I paid it. It has been removed from my XXXX  and XXXX credit report, but it is still reporting on my XXXX report. I have contacted XXXX in XX/XX/2019and XX/XX/2019 and it is still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2020 i sent a certified letter to Transunion stating that I did not recognize the inquiries that was listed on my Credit report and they should be removed immediately. 

One month later I received a letter stating my written authorization may not be required to obtain copies of my credit report in which i did not authorize. Again on XX/XX/2020 I sent another certified letter demanding that this information be removed that this was in violation of the Fair Credit reporting act. 

On XXXX XXXX i was then sent another letter of Explanation of the inquiries on my Credit Report. Still the information remains on my credit report in which i did not authorize.

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 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
All of the below account inquires for credit are fraudulent. I am a fraud victim and have multiple warnings and safeguards but Im still experiencing breaches since XXXX. 
US SM BUS ADMIN ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 


Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Real Estate  on behalf of XXXX XXXX XXXX  XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/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 2015-08-11
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX I pulled my credit report to see exactly what was listed on there. I found a collection entry from Convergent Outsourcing {$580.00} with a date open date of XX/XX/XXXX on credit report and XX/XX/XXXX on XXXX others. Well I want this item to be removed from my credit report and I want the company to send me a letter stating that the collection item has been removed. I have never had a XXXX XXXX account and I know it is n't mine because I was XXXX when this collection was put on my credit report. So this is ID Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I live in Georgia and understand I am entitled to XXXX free reports from each credit reporting agency per year but have only requested XXXX from each agency this year. I tried requesting my free credit report from Equifax online at XXXX on XXXX/XXXX/15 and apparently answered some random questions about past accounts incorrectly and so then went through the process by phone by calling XXXX. At the end of the process the recording said I would receive my report within 15 days. That has not occurred. Last year I experienced the same issue and called Equifax. The person I spoke with at that time said there was no way he could check on the status of my report ; I had to do it thru the XXXX website. 
I did not find a way to check Equifax order status on that website or by phone. I still have not received my free credit report and have no way of knowing whether it was mailed or processed to begin with. That is a security issue since my report contains personal information. I have seen numerous other complaints about Equifax on your website about the same issue. My problem is a repeat of what happened last year. In the past I have NOT had similar problems with both XXXX and XXXX. 
Thank you for investigating this issue and facilitating my credit report being mailed to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13
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:
I disputed multiple accounts that started last XX/XX/2020. The Credit Bureaus failed to verify these accounts after multiple dispute letters and warnings to submit complaints, I have no other option but to file a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have contacted this company since I paid off my Car in XX/XX/XXXX Car was paid in by me it says 4 charges off on my you can't have charged off for a car that's paid off along with showing late payments on one account from XX/XX/XXXX until XX/XX/XXXX of my account and on the other credit agency there are remarks saying that my account is paid off and having remarks saying charge off and collection you can't have a charge off and collection and paid off all at the same time. They refuse to remove these inaccurate remarks off my account so I ask that this account removed from all 3 credit agencies this company has called my credit profile to be effected and me to be turned down for getting credit for other lenders because of this and it is totally wrong and they should not be able to violate my consumer rights and continue to keep these negative items on my credit report. please have them to remove this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I am contacting you because I am exhausted after several months of trying to deal with the credit bureaus on my own. Several unknown accounts appear on my credit as well as addresses, names and addresses. I filed a police report, filed a complaint with the FTC and I filled out a fraud affidavit and sent that information into the credit bureaus and it appears my case is being over looked or no one wants to help me. 
I have tried to contact Equifax in this regard for the past XXXX months and I have not received a response after sending them certified letters that contain my disputesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-27
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have contacted Ally multiple times to address this credit reporting error of a car loan I had with them. I had originally purchased the vehicle through a dealership called XXXX XXXX of XXXX who financed it through XXXX. The financing through XXXX should have been through my company XXXX XXXX XXXX XXXX XXXX XXXX, but instead the finance manager inadvertently put down the Federal ID number belonging to XXXX XXXX Rental which was a company I had sold previously to buying and financing the vehicle. The new owners of XXXX XXXX had filed BK and it automatically showed up on this vehicle as being in a BK status. I spent countless hours to clear this up and you guys accepted all the payments in full for the vehicle but still continue to report a charged off vehicle on my credit report instead of always having on time payments. The only time I did not have on time payments, was when you guys would not accept payments because it was in BK status. I have contacted the credit bureaus to clear this up with you guys. I have contacted you guys personally. And I have contacted you guys through the CFPB with no response. I have attached the letter from the dealership admitting the mistake, and you guys still continue to report this incorrectly on my credit report. 

I am demanding a response and removal of this negative trade line on my credit report. It should state paid in full and on time, with no late payments. If this is not fixed in a timely manner, I have no other option but to pursue financial distress for all the damages you have caused. This credit issue has prevented me from financing new business loans and home ownership, costing me hundreds of thousands of dollars in earned income and interest. My interest rates are all high because of this negligent mistake. Please respond as soon as possible to prevent further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt was for services that we 're not provided, services promised by XXXX XXXX XXXX, bill has transferred from collector to collector to collector because XXXX XXXX XXXX promised a service & a rate, then I was told by Customer Service " the internet service they offfered could not be supplied at the promotional rate that I was promised ''. This amounts to 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 2016-10-19
Company: Paypal Holdings, Inc
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I entered into a transaction EBAYXXXX. on account ending XXXX on account XXXX XXXX The transaction was completed as per the agreement and terms of service on Ebay and Paypal. The receiver, after signing for receipt of the goods turned around the same day and reported that they did not in fact receive the goods. Paypal took {$210.00} from me with out merit, without recourse and without right of appeal. I thought it was illegal to charge back an item as not received. In GA it is termed " theft by taking '' I would like Paypal, Ebay , Inc and XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Investigated Proof of Delivery with signature confirmation XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I am actually an XXXX XXXX on the front lines and risking my lie to save others- if that happens to matter at all! The customer service line at AM EX Bluebird is simply not answering calls - it is all over the Internet! I have been on hold the last 3 days for 6-8 hours and then call drops - this is happening even at XXXX!! To everyone!! Something must be done!! PLEASE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: CITIBANK, N.A.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, I opened a citibank gold check account, per advertisement from citibank, I will receive XXXX thank you points after I fulfill the following requirements Do one bill pay in two consecutive months, as described above for the ThankYou Requirement. 
Make {$1000.00} in debit card purchases with the Citi debit card. This requirement must be met within 60-days as well. 
I have fulfilled those requirements on XXXX, XXXX, after that, I have contact citibank multiple times to confirm the offer, every time, I was told by citibank that I have fulfilled the requirements and the points will be posted by XXXX XXXX. 
XX/XX/XXXX, those points still have not bee posted, I have submitted XXXX cases ( XXXX. ) to Citibank, to my surprise, the letter from citibank stated that I am not going to receive the point because " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account ; To me, this does not make sense because 1. I still have the screenshot of the application page which shows that I will receive the XXXX thank you points, which can prove that the statement is not true & quot ;, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. & quot ; 2. In the last few month, I have been confirmed by multiple customer representative that I am eligible for the offer and have fulfilled the requirement, I should receive the points on XX/XX/XXXX. Citibank can confirm that by looking into my previous chat history. 

As a long time loyal citibank customer, I am very frustrated with this experience. This checking account has monthly fee of {$30.00}, I would not open this account without the bonus offer Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please refer to the attached XXXX report, page 3 of 4, indicating the deletion of XXXX XXXX, # XXXX has been deleted and XXXX XXXX, # XXXX is not appearing on XXXX, though XXXX  has the wrong number which should be # XXXX, refer to XXXX dispute letter. I have placed an asterisks near these accounts. I have submitted multiple dispute letters outlining the above on XXXX, XXXX, XXXX with no response to date. This is three 30 day violations in addition to the other FCRA violations. 

No mortgage only appears on just XXXX, so XXXX  and TransUnion are in direct violation for not deleting this account in addition to illegally ignoring the attached ID THEFT POLICE REPORT sent to them on XXXX. That dispute letter was sent certified mail, refer to attached postal certified mail receipt. 

Please refer to the attached XXXX  report, 2nd attached XXXX  document, indicating the sentence, The disputed item is not currently reporting on the XXXX credit file. Public Record : Bankruptcy : XXXX. Any public record item would appear on XXXX, TransUnion and XXXX, XXXX  did a proper investigation and determined that this Bankruptcy XXXX was not appearing in their database. 
XXXX stated that a second Bankruptcy, # XXXX is not appearing in their database, but XXXX  and TransUnion continue violating the FCRA guidelines by continuing to ignore this evidence and the ID THEFT POLICE report. 
There can not be a discrepancy on information between the credit bureaus. Please delete immediately to avoid litigation.

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 2020-06-20
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was first made aware of this company from five of my family members. This company contacted my dad, mom, my two brothers and my sister ... but never contacted me initially. I received one random voicemail from some woman stating that they were going to file against me in my county and that they were going to contact my employer. I attempted to contact them going on a week now to obtain written verification of this debt and I only get a voicemail. I have called a total of 28 times over a 7 day time frame during office hours.I received a credit alert notifying me that they are on my report. I havent obtained any information from them and they are on my credit report. According to several complaints on various websites, Im not the only person who has had this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
It states on my credit report that the account is closed but it is still reporting negative payments. It states that there are XXXX charge offs on this account! XXXX is still reporting negative inaccurate information. The account is closed so how is that fair they get to keep reporting negative charge offs? It is still reporting as of XX/XX/2020. Its written off and still reporting negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BARCLAYS BANK DELAWARE Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2016-01-16
Company: ORG GC GP Buyer, LLC
State: MI
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My students loans went into GC services as they defaulted while I made to little money to pay them and the private bank ones and my cost of living. I have changed my profession and working 7 days a week and for a year now been having it with GC Services. They wanted a payment plan I am paying them to the US National Payment Center for Dept of Educaiton. I never get a receipt, or any communications of any kind. I had to send in over a dozen email and letters to ask for Rehabilitation Processing and payment plan was set at {$170.00} a month based on my income reported and documented. 

I have been paying it always on time, even ahead and over the amount working lots of over time to make all due effect on this. I have NO communication of any kind. I get a letter from the US Dept of Education that they are charging a XXXX % commission on payments. So between their commission and then the interest on the amount now raised $ XXXX to $ XXXX on a $ XXXX original loan balance I am looking at not a cent is going to principle. 

I am trying to get out of default. I am asking both GC Services in emails, written letters in the mail and the US DOE the same and calls and told GC has all the cards here. Well in less then 90 days I am the 9 months of paying per the Rehabilation process. I have NO information of what are my duties, needs to do here, options, rights? Reciepts, what are my tax deduction for filing in 2015 on this in the XXXX digits. No idea if I am getting my tax refund this year or is GC going to seize that before Rehabiliation 9 months ends. 

What do I owe once that process is out of default? 
What do I need to do when to get out of default with less then 90 days left till kept payemnts to the agreement and then some? 
Who then owns my payment and the regulations? 
Do I still owe XXXX % commissions to GC then or are these dropped? 

I want to know where I stand on my 2015 tax return. 
Want to know what forms I need to file my taxes with the interest deductions they are I am assuming required to provide and when by? 

Having some written information from GC Services on these matters would help me understand my rights, process and how to end being in default when I have meet the agreement. 

Do I have fees after I am out of default or just the interest as the original loans were taken out as the additional to the principle?

Company response to consumer: Closed with explanation