BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-21
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. After calling and disputing them on  XX/XX/XXXX  two days later on  XX/XX/XXXX  I received the attached file which all have same results " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : '' According to FCRA rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it sta tes that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from it 's files. The fact that I received a response 2 days after the receipt of dispute call, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report displays a sign of financial trouble, which is not the case. I am submitting this complaint due to the lack of investigation i to my original dispute for hard inquiries on my report that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. In regards to this issue and have not heard back from Equifax. I would like for the below inquiries to be deleted.      XXXX   XX/XX/XXXX   XXXX   XXXX ,  XXXX .  XXXX / XXXX / XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Over the years ive been looking over my credit, ive noticed inquiries that were once on my report fall off and reappear.

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 2019-03-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
There is no way to receive Citi replies in writing other than sending a letter by regular mail. 
Online I have the following options : - Chat : it shows unavailable - Call : not interested because I need the reply in writing - Mail : just absurd to send a letter for an account-related simple question Unfortunately, being a bank that is not providing any way for me to clarify questions electronically, I'm forced to open this complaint, and will open more if new questions come up and I find no way to contact Citi in writing. I refuse to send regular letters for this kind of questions. 

First question is : why? why not provide a secure message center where I can send a question? There is a secure message feature but only to read messages, not to send ( how convenient ... ) Other questions : - When I try to use the Virtual Card number feature on the website, I receive : We're sorry, we're having technical issues and the system is temporarily unavailable. Please try again later. We apologize for any inconvenience and appreciate your patience. If you continue to receive this error, please call XXXX refer to Error Code [ XXXX ]. 
- I'd like to know the date in each my ThankYou card was opened, and also if and when I'm eligible for the sign up bonus of the new Rewards Plus card. I received the offer to convert my current card, but then I don't receive the welcome bonus. I prefer to wait until I'm eligible ( if I'm not already ) to apply for the card. I believe there is a 24-month wait time since the last ThankYou card was opened. Please confirm all that. 
- I opened a return protection onXX/XX/XXXX. Only on XX/XX/XXXXI received a reply, saying my account ending in XXXX could not be located ( it was recently transferred due to unauthorized transactions to a new card ending in XXXX ). They did not simply ask about the new account - they asked me to resubmit everything again, which is an absurd. They should be able to check the previous account anyway. I resubmitted everything the next day (XX/XX/XXXX ), and have not heard back yet. Slow, ineffective benefit. 

It seems you are not paying attention to your customers based on the issues reported above XXXX lack of a place to send messages, errors when using the account features, slow and ineffective benefit ).

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 2021-12-14
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Today XX/XX/XXXX makes the XXXX time that XXXX has denied me a dedicated representative. XXXX XXXX is supposed to be my representative. On XX/XX/XXXX, he said that my investor, XXXX XXXX, had approved my loan modification and that my approval letter should arrive within a XXXX days. XXXX XXXX reached out to XXXX because I completed my trial modification and XXXX wanted me to do it again. 

However, instead of sending the modification approval letter. XXXX sent me a letter requiring me to go through another trial modification to give them time to come up with more schemes to do deny the modification. 

XXXX XXXX claims that his unnamed superiors are refusing provide the XXXX XXXX modification. So, I do not have a dedicated representative. 

I aske XXXX XXXX to name these people and he did not respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, EQUIFAX AND XXXX  HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE INACCURATE/NOT MINE FRAUD. 

XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXXNOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX XXXX-NOT MINE, XXXX XXXX  XXXX XXXX XXXXNOT MINE, XXXX XXXX XXXXNOT MINE, ADDRESSES : XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXXNOT MINE, XXXX  XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, ACCOUNTS : XXXX XXXX XXXX XXXX-NOT MINE, XXXX CREDITOR XXXX -NOT MINE, XXXX XXXX XXXX XXXXXXXX -NOT MINE, XXXX XXXX  XXXX XXXX XXXXNOT MINE, XXXX XXXX   XXXXNOT MINE, XXXX XXXX  XXXX-XXXX-NOT MINE, XXXX  XXXX XXXXNOT MINE, XXXX XXXX XXXXNOT MINE, XXXXNOT MINE, XXXX   XXXXNOT MINE, XXXX XXXXNOT MINE, XXXX XXXXNOT MINE,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: COAST PROFESSIONAL INC
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On XX/XX/XXXX, my checks were being garnished for XXXX twice a month. on XX/XX/XXXX I completed my loan rehab plan with Coast Professionals and my loans were sold to XXXX. I have called both XXXX and Coast Professional to provide me with a payment summary of how much was taken and where it was applied. Coast Professional rep ( XXXX-she refused to give a last name or ID number ) stated they can no longer see my account with them to call the current servicer of the loan. I spoke with XXXX quite a few times to get some form of verification because of the things I 've seen on the news and read on the internet. No one has yet to provide any documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
ON XX/XX/2017 MY DAD RECEIVED 11 CALLS ON HIS CELL PHONE WHILE AT WORK! HE RECORDED ALL CALLS. 
FAILED TO VALIDATE AND IGNORED CEASE AND DESIST. 

VIOLATORS OF THE DODD-FRANK ACT FDCPA 11 COUNTS OF T.C.P.A. INFACTIONS 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 2021-12-14
Company: Experian Information Solutions 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Experian efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Experian is reporting inaccurate information on the accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXX XXXX XXXX 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 2022-04-29
Company: AES/PHEAA
State: TN
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 XXXXXXXX Account XXXX, has violated my rights 15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: I.C. System, Inc.
State: CA
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:
I had XXXX at a residence that i moved from and tried to switch it to a new residence. XXXX switched it to the wrong address. We lived at XXXX XXXX XXXX they switched it to XXXX XXXX XXXX XXXX XXXX , in 2015. We paid XXXX there as a part of our rent tot he owner. I never received a phone call, an email or any communications from XXXX that i was being double billed. I recently was alerted by the credit bureaus that a collection account was added to my record from I.C. sytems. I researched and informed them and XXXX that i was not responsible for that bill as i never lived at that address and i never received those services. They are still reporting and trying to collect on that bill.

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 2017-04-17
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Ad Astra Recovery Services continues to try and collect a debt that I do not owe them. I would like for them to verify that I owe them ( Ad Astra Recovery Services ) and if they can not provide proof then I would like for them to stop reporting to the Bureaus and close the account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Transunion efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Transunion is reporting inaccurate information on the accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( 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 non-monetary relief
Consumer complaint received 2021-12-14
Company: U.S. BANCORP
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been making {$95.00} XXXX payments to my vehicle loan with US Bank since XX/XX/XXXX. The monthly payment is made in XXXX weeks. The XXXX payment should go to the principal. However US Bank keeps moving the payment date forward once the regular monthly payment has been paid instead of applying the additional funds to the principal. I contacted them on XX/XX/XXXX and stated my issue with them. Their response was that it was policy to move apply the payment to the next month once the monthly payment has been made. When I pointed out that what they are doing is stealing from me to maximize their profits they offered to adjust the previous months and rebalance the account with the additional principal payments applied. They did not do that. They moved my payment due date back from XX/XX/XXXX to XX/XX/XXXX without telling me and did not apply the additional principal payments accordingly! Now I'm going to have a late fee! 

Furthermore, US Bank doesn't show the payment breakdowns online, so you have no idea they're taking advantage of you! 

I don't make weekly payments because I have the extra money laying around. I make them because I am trying to pay off the loan as quickly as possible paying as little interest as possible. It is fair to ANY consumer to pay a loan this was and I pay all my loans and credit cards this way. What's unfair is that these banks take advantage of consumers by scraping every penny they can!

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 2017-10-16
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: Their investigation did not fix an error on your report

Complaint:
I contacted XXXX, XXXX, and TransUnion concerning some medical bills and a XXXX account reporting as collections on my credit report. I notified each credit bureau that these items do not belong to me and are reporting on my credit file in error. I received notification from the credit bureaus that these items were verified and that they are to remain on my credit. I responded to their findings with a request to provide me a copy of the individuals, date, time, and address to the person/s that verified this information because if indeed the did a proper investigation, they would not have verified that these items belong to me. After my 3rd contact, they have ceased responding and the issue of XXXX items reporting on my credit in error remains. The Fair Credit Reporting Act gives me protection that I will have an accurate and fair credit file and XXXX, XXXX, and TransUnion are in violation of my rights under this law.

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 2017-04-14
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been working on repayment of my loan for quite some time. They have continuously recommended forbearance and other payment plans, that would in turn require me to end up paying way more then what I should have in the first place. EX. Borrowing/Loan was XXXX in all I have now been made to pay approx. XXXX due to interest incurring based on their recommendations of a forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Equifax efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Equifax is reporting inaccurate information on the accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I received an alert that I had a collection on my XXXX credit report ( XXXX point drop ). This was a surprise to me, I don't owe anything outstanding, nor have I received any correspondence from anyone stating that I do. The collection was from Credence Resource Management, stating that I allegedly owe {$690.00} to XXXX XXXX. I'm not a XXXX  nor am I strapped for cash. I am also very Credit conscious, as noted by my score and payment history. The biggest surprise was that this was placed on my credit report, never receiving any communication from XXXX or Credence. According to the FDCPA, as well as the FCRA, my consumer rights protect me from unfair and illegal collection and reporting practices. Now my rights have been stripped. An account like this appeared on my report last year, I called XXXX, they had no record of a balance and the account was disputed and removed for being non-valid. To make matters worse, I have not had an account with XXXX for almost five years, now this company has filed this alleged collection as new resulting in a larger drop in my credit score. This is a bullying tactic and unfair trade practices not done in good faith. I want my credit restored, and my rights back to resolve this matter within the scope of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXXXXXX 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 2017-04-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In XX/XX/XXXX, I spoke with Equifax regarding the date of removal for a Tax lien on my credit report. I was told that the tax lien would be removed in XX/XX/XXXX from my credit report. I contacted Equifax in XX/XX/XXXX, and was then told that it would have to stay on my account for up to another 3 years, I then called back, and spoke with another person, who again told me that it would come off my credit report in XX/XX/XXXX. I then called back in XX/XX/XXXX and was then told that it would stay on my report for a total of 10 years from the date it was issued. At the time, my credit score was XXXX ( XX/XX/XXXX ), but in XX/XX/XXXX it dropped to XXXX without any explanation. There were no additional credit issues at that time. They also have blocked my number, so I can not file a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: Credit Card Receivables Fund Incorporated
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I and my family have been contacted multiple times in the past 2-3 weeks by a company called " XXXX XXXX  '' from phone number XXXX in an attempt to collect debt which they say I owe them on a XXXX card. The most recent call was today and from a person calling herself " XXXX. '' This debt was settled in XX/XX/2016 with a debt collector named UNIFUND LLC in XXXX County Civil Court Case XXXX. This case was settled out of court between the two parties and dismissed with prejudice. " XXXX XXXX '' has provided no documentation to the effect that they have a right to collect this debt and frequently hang up on me when I ask probing questions as to their legal right to collect this debt.

Company response to consumer: Closed with explanation