BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I filed a CFPB complaint ( XXXX ). Equifax response was " FACTUAL RECORD OF FILE ACCESS '' for each inquiry I have disputed. I simply asked Equifax to send me the documents that they used to verify the accuracy of the disputed item ( s ). It's the business record ( the document ) that constitutes the accuracy, not the testimony of a 3rd party witness referring to the document ( s ). The company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and they must be able to do this in a court of law if I file a lawsuit. 

I have attached again my letter to Equifax that was dated XX/XX/2022. As you can see in the highlighted areas i asked them to verify the accuracy of my inquiries and to give me a copy. 


Please help me to have Equifax to show me the documents that they used to verify these inquiries. If they fail to do so, i want these inquiry 's to be deleted from my credit report and be sent a new report to my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company that which goes by, SCA COLLECTIONS XX/XX/XXXX the original creditor was XXXX XXXX XXXX has taken a debt out under my information and credit file of {$260.00} from the date of XX/XX/2014. I was never at the place there talking and have tried contacting them but seems like all they want to get is a card number and my information. I have tried to get it straightened out but I feel like all they want is my money for something to do nothing about or with me or involving me. There hurting my character figure and financial well being.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: CITIBANK, N.A.
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:
Please refer to complaint # 's XXXX and XXXX. Citibank recently sent a statement saying they are not returning my funds but will remove the retaliatory remark they put on my credit which negatively affected it. They have not sent me proof of their investigation but base their decisions off of unknown findings they will not reveal to me. I am requesting all findings from the investigations they claim they have conducted to be forwarded to me with all monies returned to my account.

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 2022-06-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy. 

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have contacted this company more than once over the months, they always try to say they are not authorizing a third party to send in my dispute? However it was mailed by me from my current address with proper verification documents. What's the point in having a dispute system that I cant use? I've provided proofs of my mailings to TRANSUNION, not ONCE have they looked into a single dispute. So why is it TRANSUNION can not verify my ID and most recent utility bill? Why hasn't TRANSUNION looked into a single dispute if I have provided you all proper documents? its unfair and too me seems like a staling tactic to not have to deal with half the letters they receive because there's NO WAY none of my documents couldn't have been verified and they send me the same response over, and over again. There's nothing I could possibly do/or change to make it more VALID for them to complete there process of investigation. I have provided the proofs of the most recent mailings I have with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been attempting to make a payment on my loan through XXXX XXXX   since XX/XX/XXXX and the website will not allow me to make a payment. Their new website is not functional and despite several messages to the company, I have not gotten a response or a solution. 

The company is aware of this problem per their XXXX page, but they have claimed the problem is fixed, despite many other consumers posting that they are still not able to make payments. 

Additionally, I was forced to apply via mail ( because the website would not give me an option to sign up online ) for automatic monthly payments. However, on XX/XX/XXXX I was sent an online message from XXXX with the subject line : " You Aren't Eligible for Direct Debit Payments '' with the following reasoning : " Your loans have not entered repayment. '' However, at the time my loans were in the grace period but I was still being charged interest even during the 6 months of grace. Despite being charged interest already, XXXX XXXX would not allow me to start direct debit payments, forcing me to incur interest without a making payments to prevent it. 

Additionally, because my first application was denied due to my loans being in grace, I can not apply online for automatic payments still to this day. This has made it frustrating and impossible at times ( like when their site is down ) to get my loans paid in a timely manner. I can submit another paper application, but I do not think it should be this hard to simply pay my student loans back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, 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 with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Accounts # XXXX has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions

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 2022-06-14
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 with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-10-16
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2019, PayPal made my remaining Account balance of {$520.00} available for me to withdraw as 180 days had passed since my Account was limited ; and they notified me of this decision via email. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
What I am asking for is your verification source. As I am told by the bankruptcy court they do not verify information to anyone. I feel my rights to your verification method have been violated and and prompt removal of this bankruptcy should be done because of your refusal to give me the proof and the source of your verification.

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 2021-06-25
Company: Experian Information Solutions 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:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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 2022-06-14
Company: JPMORGAN CHASE & CO.
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:
This is the last letter I faxed to Chase to Dispute. I have filed 4 disputes with Chase and they still tell me I am responsible for the charges. 

Re : Dispute Request original card ending XXXX, current card ending XXXX I want to continue disputing the two charges of {$2100.00} on XX/XX/2022 and {$1800.00} on XX/XX/2022. 

On XX/XX/2022, I enlisted the services of XXXX & XXXX XXXX, also known as XXXX XXXX XXXX. The owner is XXXX XXXX, phone number ( XXXX ) XXXX. 
I had met him earlier that afternoon and gave him a check for {$1800.00}. So, my balance was {$2100.00}. Later afternoon on XX/XX/2022 ( important key date! ) he ran my Chase Card for the balance for the {$2100.00}. This charge was valid. 

In XXXX, while checking my Chase account, I saw the charges of {$2100.00}, dated XX/XX/2022, {$1800.00} and {$800.00}, dated XX/XX/2022. ( The {$800.00} has been resolved ). 
I DID NOT ENLIST ANY SERVICE ON THESE DATES. THE JOB WAS DONE IN XXXX and PAID FOR THEN. I called him and left him a message and then I texted him all the details. I have copies of these texts, as well as copies of the receipts included with this letter. I also contacted Chase and started the dispute process. I was issued a new card. 

When XXXX contacted XXXX he found that his XXXX XXXX XXXX XXXX had been hacked into. They told him that refunds would be made. Obviously, that has not happened. Im beginning to think he has been lying about this. Now, I have been declined the refund of the amounts of {$2100.00} from XX/XX/2022 and {$1800.00} from XX/XX/2022 and my account has once again been charged. 

I have remained in contact with XXXX via text messages which I have included. These will prove that he knows he owes me the refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Simon's Agency, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Contacted both the provider and collection agency many times sent copy of cancelled check to both still showing up on my report 1 1/2 years later

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Navient Solutions, LLC.
State: MI
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:
I contacted Navient about a loan forgiveness because of the intuition I attended that they we're shut down of there practices and no one would help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Chime has opened accounts multiple accounts. In my name multiple times. And have been asked to close Im not sure they are they never send me anything ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Mr. Cooper Group Inc.
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 information incorrect

Complaint:
Ignorant applications of RESPA statutes to a all complaints prior to today, when reviewing statements and documentation, resulting in wrong late payment reporting to XXXX, XXXX and XXXX by XXXX, Nationstar and Mr Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I am on the list of potentially affected consumers under the Equifax Cybersecurity Incident 2017. Please know that I want Equifax to be held responsible if my credit or financial state is negatively affected by this case. 

Please also place an initial 90 day fraud alert on my file, at Equifax, XXXX, and XXXX. 

Thank you! 

P.S. Every member in our family came up on the potential list ... so when you contact me, I will want this procedure followed with all of our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: ENOVA INTERNATIONAL, INC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I took out a line of credit and now because of the intrest its too much to pay back

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted for 3 days in a row by a " Debt collection agency '' called XXXX XXXX XXXX from the phone number XXXX stating that I owed a {$780.00} to best buys credit card company. I told them I would not be giving them my information and I would settle this issue with the BestBuy themselves. 

I had previously closed my best buy account roughly 10 years ago and verified this by not being able to connect to their billing department because they did not have my social security number on record

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 2021-07-13
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This accounts is reporting as a collection and is showing payment history. Also a 1 month term which is not applicable. They also keep updating my balance every Month. Wrong details on credit report and not properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: LEXISNEXIS
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:
The bankruptcy needs to be removed from my report. The bankruptcy case was filed in error. The case never entered judgement. The case was closed by the Judge. The trustee was cancelled. No money allocated. Judge order signed XX/XX/2018. Case # XXXX XXXX says they been getting data from Lexis Nexis who is reporting I went through a bankruptcy. This is false. There was never any judgement. The judge closed the case XX/XX/2018. 
Lexis Nexis has been reporting false info. for years. I would like to sue them.

Company response to consumer: Closed with explanation