BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-22
Company: EQUIFAX, INC.
State: OH
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:
I am in the process of purchasing a home. I pulled my credit report only to find over XXXX credit inquiries on my report, one collection account and a lien. I have been a victim of Identity theft and I have reached out to the credit departments of all these inquiries. I alerted them that these are fraudulent. All of the inquiries was done online. They are unauthorized and this is causing a major dent in my credit score and these inquires need to be removed asap. I disputed with the credit bureaus and all I get is the same old pre-printed letter stating the are factual but there is no fact or truth nor verbal or signature stating I authorized these inquires. Its clear someone went on a rampage just applying for credit and or cars. The inquiries are : XXXX XXXX-XX/XX/XXXXXXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX -XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX- XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX Also XXXX XXXX is a collection account that is not mine which has not been verified or validated and a lien XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent certified letters to XXXX, XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX disputing the collection account from Commonwealth Financial in the amount of {$1300.00}. On both occasions, all 3 credit bureaus stated the information was verified and accurate ; however, none of the 3 credit bureaus sent any documentation to support their response as I requested, only that the debt was verified. I contacted the company directly ( per the direction of all 3 credit bureaus if I still disagreed with their findings ) by certified mail on XX/XX/XXXX requesting that they validate the debt. The company signed for the certified letter on XX/XX/XXXX but I have never received a response from the company to this day ... ..almost 3 months after they received my letter. I contacted all 3 credit bureaus AGAIN by certified mail on XX/XX/XXXX advising that they did not provide any documentation to me and the creditor has not responded to me. I have recently received responses from both XXXX and XXXX stating they have verified the debt once again ; however, no one will provide me with any validation of debt documentation or address the issue on why the company will not respond to me. This has been going on for 6 months now with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I am in the process of purchasing a home. I pulled my credit report only to find over XXXX credit inquiries on my report, XXXX collection account and a lien. I have been a victim of Identity theft and I have reached out to the credit departments of all these inquiries. I alerted them that these are fraudulent. All of the inquiries was done online. They are unauthorized and this is causing a major dent in my credit score and these inquires need to be removed asap. I disputed with the credit bureaus and all I get is the same old pre-printed letter stating the are factual but there is no fact or truth nor verbal or signature stating I authorized these inquires. Its clear someone went on a rampage just applying for credit and or cars. The inquiries are : XXXX XXXX-XX/XX/XXXX XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX- XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX -XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX- XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX and XX/XX/XXXX Also XXXX XXXX is a collection account that is not mine which has not been verified or validated and a lien 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 2022-09-07
Company: Credit Karma, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
When I signed up with credit karma it was to help my credit, not to impact it further. I received several credit offers that promised at the time when my credit was stable. Instead i received several companies that were phishing and cause several inquiries that impacted my credit. This situation cause my my score to go dangerously low.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: WELLS FARGO & COMPANY
State: LA
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: R & B Corporation of Virginia
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Vendor informed us account would be cleared after returning the equipment which was completed on XX/XX/2020. Account still shows open and when we contact the vendor they don't find our account since it was closed. They lost our paper work and do not resolve the issue. This is impacting my credit and my ability to get a mortgage for my home and nobody is helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I have tried to call their number on the back of their card XXXX and getting my card unlocked. IT is partially unlocked I can make payments etc but I can't change my address bc I put in three numbers on the back wrong, yet no problem when changing my password. MAIL has been stolen at our address. POLICE were informed. Hence needed mail to be sent to this address : XXXX XXXX XXXX # XXXX XXXX XXXX, MA XXXX. But I can't update that in AMEX system. So if they don't update my address and send confirmation to this address then we will have an issue as I won't be able to get any of their mail. I need them to change the address to what I provided and unlock whatever parts they have locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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: Credit inquiries on your report that you don't recognize

Complaint:
Transunion has reported on mye removed or show proof it was me that applied for credit for those companies. which credit report like 21 inquires that's not mines. As well I have sent a police report and a list of all inquiries to ball inquiries are Fraudulent. I have called and they told me they closed my request to have removed because my police report wasn't real. But Police report has the county of Police name as well the police report number to call and ask if this is a real police report. They are stopping me from get credit because of to many inquires. Here 's the inquires that's Fraudulent XXXX XXXX XXXX XX/XX/XXXX, XXXX Bank XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX Bank XX/XX/XXXXXXXX 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 2021-05-10
Company: AFNI INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a XXXX account that was closed XX/XX/XXXX. XXXX closed only part of the account when I thought is was completely closed. We paid whatever was left finally XXXX XXXX, XXXX, but they did not close the account, because someone didn't do their job. Now XXXX gets bought out by XXXX XXXX and I can not contact them and get this resolve. No one will send me the non existent bills and only that XXXX has sold my debt to several collection agencies. I get mailed and called by AFNI, XXXX, and XXXX XXXX XXXX for this false debt. They have ruined my perfect credit and I just get more and more collection agencies writing, and calling me. Please let me know how I can stop this madness. I have spend 2 years trying to get this resolved and XXXX has also not investigated this when I have asked them to. 
Let me know what I can do to get them to stop harrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
EQUIFAX RESPONSE TO COMPLAINT # XXXX IS TOTALLY A LIE. FIRST OFF, EQUIFAX DOES NOT REVEAL WHO IS THE FURNISHER OF INFORMATION, WHICH BY LAW THEY MUST. NOW IT IS EITHER THE COURTS WHICH IS CLEARY NOT ACCOURDING TO THE COURTS. OR ITS THEIR BUSINESS PARTNER WHICH IS DOCUMENTED THEY COULD NOT VERIFED ANY OF THE INFORMATION. SO WHO FURNISH AND WHOE VERIDIRED AND INVESTIGATED THE INFORMATION. WELL I KNOW THE ANSWER TO THIS IS NO ONE. THIS IS EXQUIFAX LAST CHANCE TO DELET THIS INFORMATION OF THIS PUBLIC RECORD BEFORE LITIGATION. CFPB PLEAS TAKE NOTE HOW EQUIFAX CONTINUES TO TRAMPLE OVER CONSUMER RIGHTS. 
I WILL STATE MY COMPLAINT AGAIN FOR THE LAST TIME BEFORE LITIGATION. 
After multiple dispute requests over at least 2 years pertaining to reinvestigation of disputed results in regards to my consume report furnished and supplied by Equifax business partner XXXX to Equifax as well as other consumer reporting agencies with disputed and invalidated, unverifiable, and inaccurate information, RE : XXXX XXXX  Bankruptcy # XXXX filing. I declared and stated to Equifax there are errors with the listings of different names, addresses and dates. This act alone have violated federal and states laws of New Jersey, by accepting such Information directly knowing it was unverified and unsubstantiated. This information was provided to Equifax by their business partner XXXX who did have first hand knowledge or was the original furnisher with any first hand knowledge. Neither Equifax or their partner XXXX obtains any written permission from myself the consumer ), express permission or consent to access my consumer report to place inaccurate unverifiable information on it. Attached to this complaint is a reply from the courts and XXXX to my Affidavit of facts, which was not disputed by either and their exact involvement and non-involvement of this particular dispute matter. Equifaxs Legal Department has been notified of all violation so upon receipt of this CFPB complaint, if the public record is not deleted I will keep them as co-defendant in pending litigation with their business partner XXXX they are both responsible for : VIOLATION OF 15 U.S.C. 1681 ( g ) VIOLAITON OF 15 U.S.C. 1681 ( b ) VIOLATION OF 15 U.S.C 1681i ( a ) ( 4 ) VIOLATION OF 15 U.S.C 1681 ( a ) ( 2 ) VIOLAITON OF 15 U.S.C 1681 ( a ) ( 7 ) VIOLATION OF 15 U.S.C. 1681 ( g ) ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Quality Asset Recovery LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Quality Asset Recovery is trying to collect a debt from me that does not belong to me. 

Date opened : XX/XX/2019 Account # 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 2017-06-22
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX/2017 I made a payment to ATT Universal Card for {$750.00}. There site reflects that this payment was made, decreased my credit limit and this payment has already cleared my bank which is XXXX XXXX on XXXX/17. However ATT Universal Card has yet to credit my payment and stated that they put an arbitrary hold on my payment because I have " not made a payment that large before '' which is not true as I have had this card almost 20 years and have made payments that large before. When I called to speak to a supervisor I spoke with 2 account managers both of which refused to receive any documentation of my proof of payment and also requested that even though I made the payment, even though it cleared my account that I still had to call them back in 4 hours so that they can " verify '' with my bank that they payment was made. I informed them they I would be more than happy to send them a copy of the cleared transaction from my bank and they refused to accept this information. I offered to provide them with the confirmation numbers for the transaction and they refused to accept that also. I consider taking a payment that has cleared a customer 's bank but then refusing to release that payment to the customer and refusing to accept documentation of that payment and forcing the customer to " call back '' in order to credit for a payment that was already made is robbery. Neither account supervisor was helpful and matter of fact both had the tone that it was my fault that the payment was held when they do NOT inform you at the time of payment that they will place a hold on any payments especially those that have already been drafted from my bank. I have had MULTIPLE issues with the credit card company holding charges and not releasing charges for over 14 days. The public needs to be aware of their predatory and in my opinion CRIMINAL tactics.

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 2022-01-05
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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit 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 XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Credit Karma, LLC
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I repeatedly applied for credit cards through Credit Karma, because the sight would say I was preapproved. I would not be approved for the pre-approved credit cards. Later receiving a denial later that would often be followed with a netspend prepaid deposit credit card that Id never requested that had outrageous terms of credit with ridiculously high APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: PNC Bank N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a cash advance fee when I did not have a cash advance. I was charged {$10.00}, and PNC will not remove the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Collection Bureau of the Hudson Valley, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX NON-Suited any debt they thought i owed them. 
I REQUEST assistance with Creditor and ALL 3- REPORTING AGENCIES ... I want this collection DELETED off my report. 

CASE DISMISSED - XX/XX/2021. 
I DO NOT OWE XXXX. 

REQUEST= MAKE EXPERIAN XXXX XXXX AND XXXX REMOVE THIS NEGATIVE COLLECTION OFF MY 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 explanation
Consumer complaint received 2022-03-10
Company: Avant Holding Company, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I made a few late payments to my Avant credit card on the following dates XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX  due to Covid. My family struggled to support for each other during this unexpected crisis and some of my payments were made late. Once I was able to adapt to Covid, all of my payments were up-to-date. My credit score suffered greatly from this pandemic which was out of my control. I called Avant to see if the late payments can be removed from my credit report due to a global pandemic and they refused. I would like to reach a resolution to have my late payments that occurred during this global pandemic removed from my credit report from all 3 credit bureaus ( XXXX, XXXX, and XXXX ) so I my credit can reflect my capability to manage my credit and finances without the influence of a global pandemic that has caused many Americans and other countries across the world to suffer greatly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: TX
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:
XXXX  NON-Suited any debt they thought i owed them. 
I REQUEST assistance with Creditor and ALL 3- REPORTING AGENCIES ... I want this collection DELETED off my report. 

CASE DISMISSED - XX/XX/2021. 
I DO NOT OWE XXXX. 

REQUEST= MAKE XXXX , XXXX AND EQUIFAX REMOVE THIS NEGATIVE COLLECTION OFF MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have contacted FedLoan Servicing three times - in XX/XX/2021, XX/XX/2021, and again today, XX/XX/2021 - regarding a series of seven non-consecutive payments they are claiming are do not count as Eligible Payments for PSLF purposes. The two reasons listed for why these payments don't count are ( 1 ) " You Do Not Have A Bill Due For This Payment Period, '' and ( 2 ) " Your Payment Was Received Outside of Payment Period Window. '' I have been on auto payment since I started paying my student loans, so neither of these explanations make sense : ( 1 ) if I had no bill due, nothing should have been automatically withdrawn from my bank account, and ( 2 ) if I'm on auto payment, any payments should be made on time, without fail ; any failure to apply an auto payment on time would be the fault of the servicer, not me.

Every time I call in, they tell me my payments are " under review. '' I don't understand why this request should take 5+ months to review and research.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Ditech Financial LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payment is due on XX/XX/XXXX. I received a bill on XX/XX/XXXX. I think this is an unreasonably short period of time for me to submit a payment especially given that XX/XX/XXXX was a postal holiday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation