BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have contacted the credit reporting agency Experian multiple times regarding negative items ( XXXX and XXXX XXXX ) on my credit report that I believe is not mine. I told them I tried to contact the collection agencies directly to acquire a billing statement showing proof that the debt belongs to me but the phone number on the credit report is not a valid phone number. I asked Experian how are they getting in touch with the collection agencies to continue to report negative items on my credit report and I also ask for the credit bureau to provide proof of the information the was provided to them from the collection agencies. Experian stated that they have not receive any information from the collection agencies to instruct them to remove the negative reporting, but my question to them was how are they validating that the information is truly for me. If the collection agencies have not responded to Experian, why Experian continues to report negatives items that I have disputed and I believe is not valid. I also ask Experian to provide proof that they validated the information with the collection and to provide the phone number, email, or address that was used to validate the debt. Experian told me they were not able to provide that information to me and I should use the number on the credit report that is not valid. Why I ca n't get proof or speak to someone concerning the validity of the debt??? I believe the continuous reporting is un-just because I have not received a billing statement or proof related to the debt from the collection agencies or received proof from the Experian showing how they were able to validate the negative items.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This bill was paid by my insurance two year ago 2014, company try to double dip on invoice paid by my insurance and send bill to collection. I refused to paid any XXXX especially when bill already paid. Need this collection agency to stop harassing me on the phone and by mail. I am on " Do Not Call '' list and there calling me any hours of the days and nights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Incomm Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Plain vanilla gift cards were purchased as gifts for family members. The cards were lost. I have provided all the information requested via numerous telephone calls and several emails without response from the company XXXX XXXX XXXX. Telephones calls ( XXXX ) are frequently mysteriously dropped and it seems that they have no desire to solve the problem of a lost card and prefer to not send replacement cards. After sending all these documents, I was met with silence. There was not email or call. I called to follow up today and they are still " reviewing ''. I am losing faith that they will ever replace these lost cards totaling {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I tired to remove Hard Inquiry XX/XX/21, It should have dropped off XX/XX/21, and they told me it would be next month before it drops off, that is 25 months, Hard Inquiries should drop off 24 Months, which is XX/XX/21, I only have 2 Hard Inquiries and this one should drop off and not show on report,. and when i checked it shows 2, should only show 1,

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 2015-05-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This debt is not a federally backed/guaranteed loan. It is be reported to the credit bureaus beyond XXXX years. Also it is beyond NY statute of limitations ( XXXX years ) to collect a debt. This debt has been written off/ closed by the company. But still being reported to the credit bureaus. I have never made a payment on a this debt in its history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
company has not responded to my dispute of inaccurate information on consumer 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 2021-08-09
Company: CCS Financial Services, Inc.
State: FL
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 public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I attempted to receive my free Experian annual credit report through XXXX but it stated : " We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX Request form. 
Annual Credit Report XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX '' Because the message is so vague ( " a condition exists '' ), I have no idea if it 's a technical problem on their end that may be resolved over time ( so try again later ) or whether the issue is with my account and I will need to do something to correct it before I will ever be able to get my free report electronically. I think this should be more clear.

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 2021-08-09
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I would like to make a complaint about SunTrust Mortgage ( now Truist ) On XX/XX/2021, I received notification that my mortgage with XXXX XXXX was being transferred to SunTrust Bank now Truist. ( Needless to say I did not request or wish this but it seems like as a consumer I have no say in who services my mortgage. ) The notification said to expect to hear form SunTrust about how to pay my loan. 

So I waited. Nothing in the mail. No welcome email ... in short, nothing at all from SunTrust now Truist ( can't they even settle on a name? ) Then today ( XX/XX/XXXX ) a curt email from SunTrust saying that oh, by the way, my payment was due on XX/XX/XXXX, and to pay by the XXXX " to avoid a late fee ''. This is despite the fact that according to XXXX, ( and from what I remember on previous times my loan has been sold ) that there is a 60-day period during which my payment can not be treated as late. 

I tried to set up my account online but I didn't know the new account number. I tried calling two numbers for SunTrust, including the one I got from XXXX Neither of them worked- I just got cut off. I tried texting from the web site. The conversation was ended XXXX by them ) as soon as it started. 

Finally, I called XXXX to get my SunTrust account number, set up an online account with SunTrust and made the payment without dealing with a person. ( Clearly, the aim of the website is to make it impossible to deal with a person. ) My anger is about how I ( and presumably others ) have been treated by SunTrust. This is an unacceptable way to treat new customers. At the very least I should have received a welcome letter either electronically or on paper. 

I also wish that it were possible for consumers to be consulted about who services their loans. I did not wish or request for my loan to be transferred in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have on several occasions sent several letters to the bureaus stating that the disputed accounts are not mine and also asked for verified documents, as per FCRA 605B, 15 U.S.C. 1681c-2 and FCRA 15 U.S.C. 1681. They have not Once sent a letter showing that i signed for any such credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The account is appearing on my credit report, i have disputed this account more than once. Once it was removed it was put back on my file with a different name. Its causing damage to my credit profile and the debt doesnt belong to me. 


XXXX XXXX XXXX # XXXX Account owner : Lvnv funding llc {$440.00}XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Student loans are more than XXXX and have been closed with original loan servicers paid off and are XXXX through XXXX for XXXX they are no longer delinquent since XX/XX/2016. Bankruptcies were XXXX or dismissed but still reporting violating confidentiality. Collection accounts for utilities companies are invalid. Accounts remaing after bankruptcy XXXX. Request removal of all inquiries. This prevents my family from for qualifying for any mortgage. No change in my credit score since bankruptcy XXXX and have opened new auto loan and credit cards. Experian XXXX and XXXX are the violating companies.

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 2016-02-10
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent Experian a request to investigate some accounts in my credit report and they have not responded.

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 2021-08-09
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
A credit card in my name with NFCU, and my husband as an authorized user is the card in question. A settlement amount was agreed upon and I paid this amount in full. I received an email from NFCU confirming payment in full and conversations with reps at NFCU confirm paid in full as well. The problem is the GIANT RED BOX placed at the top of my account page " for information purposes, not to collect a debt ''. 

The GIANT RED BOX takes up 1/3 of the screen on mobile and can NOT be closed on mobile. I've sent a secure message asking this question, called the credit card department, the resolution department and technical department. I've been transferred multiple times and two people said they could re-enter the debt was paid in full and settled to see if the alert would be removed. It removed the alert for that day but it returns in the morning. This would require a daily call to NFCU reps to have the alert removed. XXXX in the " technical '' department told me this alert would remain on my account forever since the card was part of a bankruptcy. He said this was " in compliance ''. I've never filed bankruptcy and I settled this debt, paying in full. 

I refuse to believe each day when I open my bank account I must stare a red exclamation and box covering 1/3 of my mobile screen. To date not a single person has been able to describe the compliance code they are following or how to remedy this issue. 

This red box removed, permanently, is my request. 

Thanks, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a XXXX XXXX card on which I had accumulated XXXX in credits for a new car. While living XXXX, they blocked my access to online payment. I tried to pay but they quickly cancelled the account and that gave them the opportunity to cancel my credits also. Since then, they turned it over to a collection agency. I made a deal with the agency to settle the account and sent them a check, which they cashed. They then apparently sold the account to another agency, which is bothering me for this money, and they did n't report the account as closed to the credit agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have made over 6 attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Late XXXX, I sent out a letter to Experian to dispute inaccurate reporting. In my letter I requested that all NON-ACCOUNT HOLDING INQUIRIES OVER 30 DAYS OLD BE REMOVED. Experian did not acknowledge this request.

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 2021-08-09
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: Account information incorrect

Complaint:
I have attached two accounts that are currently reporting inaccurately to all three of my credit bureaus. I have attached highlighted pictures of the referenced accounts. Per the FCRA any information that is reported must be reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
Chase put a negative account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly I badly need help to get it removed from all my credit reports and stop this harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
chase credit card " hacked '' twice in last 3 months -- up to {$12000.00}. Chase credited my account, issued new card, wo n't investigate. Complaint filed with XXXX XXXX ( XXXX XXXX ) police department forwarded to XXXX county XXXX sheriff 's office for investigation, and hopefully prosecute as a 2nd degree felony. no cooperation from Chase, no telephone numbers or addresses for chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This is a concern with companies in general. The retention of personal information i.e. email, phone number, address, and social security number even after business with a company is no longer prevalent. Specifically, Capitol One 360 has said information and according to their policy they can not delete the it. In light of recent hacks to many consumer 's financial information I am concerned about having that on file from a company which I no longer conduct any business. They may notify me after the fact of any breach, however, what is a person to do if their information especially Social Security number is compromised. It would be proactive to not have that information available in the first place, especially when all accounts are closed. Lastly why do they need to keep this information? With several companies, XXXX and XXXX in particular, data mining people 's information only to be sold to advertisers and whomever else for profit, I can only speculate as to what these financial institutions are doing with this information. I write asking for a proposal for legislative change that gives the consumer power to redact and delete their details from companies when they choose to no longer conduct any business with them. In the mean time are there any other means a consumer can use to achieve this? It appears we 're all at the mercy of the company 's policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I XXXX XXXX have been reaching out to this company for months to remove these items from my consumer report. I have sent letters and made calls and for some reason I couldn't get any cooperation from them. I think this is disrespectful to the consumer that agencies are furnishing my report without my consent which is a violation of the FCRA. I want these accounts removed from my consumer report immediately it is hindering me from using my own credit which is right that have as a consumer.

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 2016-07-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I sent XXXX XXXX XXXX a creditors validation letter in which the are suppose to respond back to me accordingly to the FDCPA. In which, they failed to do in the allotted time frame of 30 days.

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 2016-10-19
Company: Experian Information Solutions Inc.
State: MT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I recently obtained a copy of my credit report. There was an unauthorized inquiry made by XXXX XXXX XXXX. On XXXX, I wrote to XXXX XXXX Services asking for proof of the inquiry. To date, XXXX, I have yet to receive a response from them validating said credit inquiry, which has made my FICO score drop!

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