BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-06
Company: EQUIFAX, INC.
State: WA
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:
Equifax : I have been trying to dispute information on my credit file and they are stalling by requesting more information.

1. I sent in a letter with a copy of my driver 's license ( with my correct address ), I then received a letter stating that they need more information to verify my identity and asked for my DL, my SSN card and a Utility bill. This is ridiculous as I provided the 1st 2 pieces of id that they asked for. They also have a copy of a utility bill from previous interaction. I sent an email to XXXX stating everything above. I then got an email back saying they received my email and they will look into it.

2. I did a online dispute and I then received an email stating that they need more information to verify my identity and asked for my DL, my SSN card and a Utility bill. This is ridiculous as I provided the 1st 2 pieces of id that they asked for. They also have a copy of a utility bill from previous interaction. I sent an email to XXXX stating everything above. I then got an email back saying they received my email and they will look into it.

3. I did another online dispute ( different information ) and I then received another email stating that they need more information to verify my identity and asked for my DL, my SSN card and a Utility bill. This is ridiculous as I provided the 1st 2 pieces of id that they asked for. I then called to try to speak to someone. for some reason the phone system was unable to verify my identity even though I entered all of correct information. Their phone system is extremely difficult to speak to someone. When I was finally able to speak to someone, their english was very poor and did not understand what I was telling them. I then asked to speak to someone in the USA. After waiting several minutes, an agent came on the phone. She was unable to explain to me why the phone system was unable to verify me. Then after verifying all of my personal information verbally with her, she began to ask me several question about my credit history. She asked one question twice and said it was different the second time but it seemed the same to me. By this time, I was very frustrated and needed to get back to work and it seemed like i was not going to get anywhere so I ended the call. 

Again, this is extremely frustrating, it should not be this difficult for a consumer to try to dispute something on their credit report. Per the FCRA, the reporting agencies are required to maintain accurate records. Equifax seems to trying to make it so difficult that the consumers gives up. 

evious interaction. I sent an email to XXXX stating everything above. I then got an email back saying they received my email and they will look into it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX XXXX  XXXX XXXX {$21000.00} XXXX XXXX   XXXX XXXX XXXX XXXX XXXX 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 2020-01-06
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I want this fixed and for this to be removed from my credit report for good will and try to help me with this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a bank loan XX/XX/XXXX in which I had a couple of late payments. this loan was paid in full XX/XX/XXXX. I contacted Transunion and asked them to remove from my credit report, but they refused, stating that it had to stay on my report for 10 years. this is wrong. from what I read on your website, this can only be reported for 7 years. THIS IS NOT A BANKRUPCY. it was last reported XXXX this is over 8 years old. thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been requesting verification of the following account that TransUnion continues to report on my credit file : XXXX Bankruptcy # XXXX. 

I demand that this public record XXXX Bankruptcy # XXXX is removed due to lack of verification and inaccurate reporting of verification date! 

I have repeatedly requested tangible documentation whether electronically or hard copies and TransUnion has yet to verify. All they send is Verified on my report but do n't list any names or address on how this is verified. I demand that this unverified account : XXXX Bankruptcy # XXXX is PERMANENTLY DELETED FROM MY CREDIT FILE

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 2017-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I was not able to update my dispute information and upload files this evening. Person I spoke to this evening around XXXX at TU barely spoke XXXX. I dont think the credit bureaus should put your dispute on lockdown after you submit it.

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 2020-08-06
Company: Bread Financial Holdings, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Applied for a line of credit from Comenity Capital Bank issued for XXXX XXXX ; first my credit score is higher then stated on the denial letter ( XX/XX/XXXX ). I check my report daily. My next door neighbor got approved through this same banking industry a few months ago and I was denied and we are almost equal on our credit reports. I know because I viewed her report with my own eyes before I applied for my line of credit. Even my salary is a bite higher then hers. I know because I am coworker ( XXXX XXXX XXXX ), she started XXXX, I started in XXXX. The only thing that is different is RACE. She is XXXX  and I am XXXX. 

I have paid of cars, credit cards, and other loans not posted on the Credit reports. Paid off one or two of them twice because the companies kept selling them off. I have been voting since the age of XXXX and I know people that don't vote or pay taxes credit score higher then mine. The scoring system is out dated and need to be revamped. For hard working citizens like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
On XXXX XXXX, 2016 I went online to pull my free annual credit reports from all XXXX agencies. I went first to Experian. There was an ad for a " free FICO score for {$1.00} '' which I was going to request but when I read their disclaimer that their {$1.00} " free '' FICO score IS NOT used by lenders I decided not to. 
The Experian website is difficult to use and very confusing unless you want to give Experian your hard-earned money. Printing out a readable copy of my " free '' Experian credit report was confusing and difficult. I use computer ALL the time and prepare tax returns for a living so if I say it 's confusing, IT 'S CONFUSING! I exited the site then and there realizing that their website is not REALLY designed to help you find your free credit report. I then made my way to 'annualcreditreport.com '. I was eventually able to print all XXXX credit reports on XX/XX/XXXX ONLY. Experian charged me {$21.00} for a " free credit report ''. .Experian debited my bank account for {$21.00} on XXXX XXXX, 2016 ( 10 days later )!!!. I ordered nothing from them. I tried to contact Experian about this but they have no customer service number and no information about their overcharging customers. I only have XXXX credit report from Experian dated XXXX XXXX, 2016 that should be free. I did not order anything from Experian to my knowledge nor did I receive any receipt or communication from Experian stating that I had done so. I would like a refund immediately of the {$21.00} Experian took from my bank account without my knowledge or consent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-06
Company: Louisiana Recovery Services Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have an account with or even know who XXXX XXXX is but they have a collection debt on my credit report. This is a violation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: TCF NATIONAL BANK
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chemical Bank did not send out invoices for XXXX. 
While I paid on time, and they claim no interest charges would accrue, they are now soliciting me for further services with their company. 
Today, Mr XXXX XXXX from the XXXX office ( NMLS # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) requested I call him for further services.

I have requested them not to solicit from me in the past. ( Date unknown, given verbally ) This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06
Company: Experian Information Solutions Inc.
State: NY
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2016-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted and my credit score increased. The very next week, all of the inquires were reinserted to my report without prior written notification in direct violation of Section 6.11 of the Fair Credit Reporting Act. I am requesting that the reinserted inquires be permanently removed from my credit 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 non-monetary relief
Consumer complaint received 2020-08-06
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2019, I bought tickets for four passengers from XXXX XXXX, for a XXXX XXXX XXXX  flight from XXXX to XXXX. I made the purchase using XXXX  gift cards. On XX/XX/XXXX, I received the attached email from XXXX  that confirmed the ticketing for the four passengers. On XX/XX/XXXX, I called XXXX  to pay a {$16.00} fee for seat selection on one of those tickets. I provided them the number for my PenFed credit card over the phone to pay the seat selection fee. The next month I received my PenFed credit card statement, which revealed that XXXX had charged me again for three of the tickets I had purchased in XXXX, costing {$48.00} each ( totaling {$140.00} ). I never authorized XXXX  to use my credit card to buy these tickets, which I had purchased two months earlier using gift cards. I immediately contacted XXXX, but they refused to correct the error and instructed me to contact my credit card company to dispute the charges. I contacted PenFed in XXXX to dispute the charges. PenFed has since tossed the complaint back and forth between their fraud departments and dispute departments, each one claiming the other was responsible for handling the dispute. PenFed has yet to resolve the dispute.

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 2016-10-10
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company calling themselves 'National Credit Adjusters ' has made seven calls ( and counting ) in one day to me, XX/XX/2016 all from my local area code of XXXX. This is spoofing, which I know is against the law and though they are not leaving a message only one number rang back to them which was listed as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: Mark A. Kirkorsky, PC
State: WA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
XXXX XXXX XXXX XXXX filed a writ of garnishment in an Arizona court with my employer in Washington state. I live in Washington and never authorized or agreed to the garnishment. 

After I filed bankruptcy to liquidate my debt and stop the garnishment the court ruled that XXXX had wrongfully garnished almost $ XXXX from me. They were ordered to repay the amount garnished plus interest and legal fees. To this date XXXX has refused to pay despite a federal court ruling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
The XXXX XXXX charge off or sold to a collection agency was disputed and a whole bunch of paperwork was sent as proof to present my case that this was a WRONG reporting on behalf of XXXX XXXX. All I got back from TransUnion was a letter telling me to look at my file and my file is EXACTLY the same way. So, I requested PROOF and I wanted to see what XXXX XXXX had to say about this and in three days TransUnion sends me an email saying that they took a decision and to look again at my report and my report is EXACTLY the same. I told them to remove this due that it is not true that I was late on my LAST payment. Nothing has been done by TransUnion.

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 2020-08-06
Company: CITIBANK, N.A.
State: NJ
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 used my Costco Anywhere XXXX Card by Citi to purchase the airline tickets from XXXX Airline with amount of {$3300.00} in XXXX XXXX, 2020. Due to coronavirus pandemic, my flight was cancelled and XXXX has refunded the full amount back to my credit card on XX/XX/2020. I also receive an note from Citicard on XX/XX/2020 to confirm a permanent credit of {$3300.00} has been applied to my account. But for unknown reason, the same charges was billed back to my account again in end of XXXX. I call and dicuss the question with Citicard customer service/dispute department and request to remove the charges as it should be. They promised to put into investagtion and solve the problem ASAP with confirmation letter on XX/XX/2020. From then, I try to contact the credit card company many times to find out the status/updates but no solution at all. They only ask me to wait for their investgation result. Now it has been XXXX monthes passed but the charges still remain on my account. Please help!

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 monetary relief
Consumer complaint received 2020-01-06
Company: EQUIFAX, INC.
State: NY
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
After being lied to by an account specialist and then disrespected by a senior manager. I have overdraft or debit card privileges, to be honest I have overdrafts my account a few times but have numerous deposits that are automatically deposited in my account every month, I use those overdrafts on my debit card when I absolutely just have to and generally it 's on a bill. I was never notified that Chase Bank had made the decision to stop this after this account has been open more than 3 years. I pay my dues and even more from their fees that they benefit from, I find this unfair and kind of discrimination towards certain customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
The servicer is Nelnet for the student loans by me XXXX XXXX loan number XXXX and my daughter XXXX XXXX account number XXXX. They are ruining both of our credit scores by not allowing us to make payment in full. 
I have power of attorney from my daughter to handle the student loan debt and have communicated with Nelnet on behalf of both us via certified mail that we wished to make payment in full under the following conditions : 1- That we receive a certified and true itemized bill showing the original amount loaned and by who? 
2- Confirmation if the loan has been sold or converted to a Student Loan Asset Backed Security ( SLABS ) and who the true current creditor and owner of this debt is. 
3- That once we make payment in full to the verified true creditor, that we will receive our original promissory note with original signature, so we cam destroy it and prevent anyone else from making the same claim in the future. 
All of my certified mail to the CFO of Nelnet repeatedly requesting that he provide me this info so I can make payment in full, have not been answered. I also explained that under Florida law and UCC commercial law, when a person makes a certified statement to make tender payment in full, and such payment in full is rejected by non-response or acquiescence, such debt is considered non verifiable and discharged. Regardless of my several written certified mail attempts to make payment in full, this collection agency and its CFO, have purposely denied me the right to pay the true creditor and continue to harass and financially harm me by destroying my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I have a credit limit on my Chase Credit card of {$7000.00}. In the month from XXXX to XXXX 2015, there appeared on my credit card XXXX internet transactions for purchasing dogs on-line. I never ordered, nor authorized the purchase, nor did I receive any dogs or puppies ever. Chase now claims that I owe over {$12000.00} for these animals. The charges in question are as follows:1. XXXX on XXXX/XXXX/15 for {$5800.00}. XXXX XXXX on XXXX/XXXX/15 for {$2900.00}. XXXX XXXX/XXXX/15 for {$2600.00}. XXXX on XXXX/XXXX/15 for $ XXXXThese fraudulent charges total over {$12.00}, XXXX in XXXX month. Again, my credit limit is {$7000.00}. Any reasonable person would see that these charges are crazy. I have had this credit card for about 10 years and have never purchased, nor would I purchase a dog over the internet. I have n't even come close to my credit limit in those 10 years. I wrote XXXX letters to Chase for them to have a reasonable person look into these fraudulent charges but have had no luck. I even sent a complete package to XXXX XXXX, the XXXX of JP Morgan Chase on XXXX XXXX, 2015 to his New York office but they did n't even look into the case. I received a " standard '' rejection letter from the fraud department dated XXXX XXXX. They have not sent me any proof that I ordered or authorized these purchases. No signature, no emails, no recorded message or any proof that I authorized or purchased these animals. I need your help. They are ruining my credit.

Company response to consumer: Closed with explanation