BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a consumer filing this complaint against Equifax because they have ignored my multiple requests to remove Unproven, NON COMPLIANT, or Unverified adverse accounts on my consumer report. Equifax has continuously reported a bankruptcy item and subsequent accounts as VERIFIED/ACCURATE and, pursuant to 15 U.S.C. 1681 ( a ) ( 1 ). I noticed these accounts that are on my consumer report. 

1. Account Name : XXXX XXXX XXXX  XXXX Docket Number : XXXX Pursuant to 15 U.S.C. 1681b, I am demanding to see in writing where I gave Equifax written instruction or permission to report this erroneous information on my Consumer Report.

A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates.

Equifax has defamed my character, my reputation, my credit worthiness, my standing, my capacity, and my mode of living.

All of these violations are a direct violation of 15 U.S.C. 1681. No consent is identity theft, and these violations are Aggravated Identity Theft, pursuant to 18 U.S.C. 1028b ( 1 ) ( A ) ( ii ). You have knowingly, willingly, and intentionally transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable by up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have tried on several different occassions to resolve this issue with the credit bureaus regarding   XXXX    accounts being reported on my credit report. There are  XXXX  accounts that are reporting as account settled less than full balance for   XXXX   XXXX   XXXX   however that information is not correct. I previously sent a letter to  XXXX  and they responded with a letter stating that the balance was settled in full. I forwarded a copy of this to all  XXXX  credit bureaus. However, instead of fixing this merely obvious error they just updated both accounts to reflect account meets FCRA requirements. Clearly this was lie and no verification was completed or the response would be different. I sent a previous complaint using this system and they denied the investigation stating the address I provided is not on file however that to is a lie!!! I have attached a copy of my printed credit report that has my address reflected. This company is attempting everything in its power to negate my request and violate my rights. FCRA states I must provide my identity by providing my social security number and I have done so. I will NOT provide any of my bank statements or personal identification to a 3rd party agency that I am not required by law to do so. The address I provided is listed on my credit report and an investigation must be completed!

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 2017-06-04
Company: Experian Information Solutions 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:
I spoke with a representative on XXXX XXXX 2017 because I have n't got a response back from them spoke with a representative by the name of XXXX. Regarding a dispute I sent in XX/XX/XXXX which the representative confirmed that they got my letter. The letter that was sent was disputing three collections by the name of XXXX XXXX XXXX and six XXXX accounts reporting late payments that I stated that the collections were unverified and the XXXX accounts were showing inaccurate late payments under the fair credit report act section 609. The representative mentioned that the agent that received my letter in XX/XX/XXXX failed to properly process my paperwork and that 's why the XXXX accounts have n't been processed to XXXX. She also mentioned that the collections were previously disputed XX/XX/XXXX and that the collection company replied that they would stay and that 's why they were still on my credit report. At this point its been over 30 days with no response from Experian and no correction or investigation in to my letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12
Company: ACS Education Services
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am trying to login to Conduent t see my loan balance and I can't. I tried their forgot password option but I never receive a link to reset my password. You can only access the information to contact this lender once you have logged it. I have tried every number for this provider that I could find with a XXXX search and all three were disconnected. I don't know how to get help. I have a right to see my info!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 been trying to dispute some inaccurate items on my Transunion report by mail and i keep getting notices stating that i am hiring a credit repair company to do so. I believe they are trying to stall the dispute process. I am legally allowed to dispute those items, and they are required to investigate in a timely manner.

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 2021-11-17
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received an alert on my credit report from a collection agency. On XX/XX/21 I called the creditor ( XXXX  ) immediately regarding the bill. Being that I had automatic withdrawal with them I should not owe. XXXX didn't change my bank account information so they never took money out so I paid them directly and received an email it was paid in full on XX/XX/21. I then I called the collection agency and informed them that I paid XXXX  directly and I sent them confirmation of proof that XXXX  sent me. Collection agency said that wasn't good enough. On XX/XX/21 I called XXXX explained to them that collection agency did not except my proof of payment. So she sent me a paid invoice and we called on a conference call and spoke to XXXX XXXX and her supervisor XXXX XXXX, the Respresentive for XXXX gave supervisor ( XXXX ) all the information XXXX requested about payment and we sent over the paid invoice and XXXX said that wasn't excepted and they needed to call XXXX XXXX to confirm. We asked for the corporate number she gave us a number to her company which they do not answer. I am told by XXXX on XX/XX/21 a notification electronically was to the collection agency to remove/closeout because I paid in full to XXXX. Collection agency is reporting I still owe. I filed a dispute with XXXX and sent them proof of documents that it is paid and collection agency is sending an E-Oscar stating debt is still owed. On XX/XX/21 I called XXXX again they told me on XX/XX/21, XX/XX/21 and XXXX they sent Collection agency notification electronically that I paid bill to them directly. Collection agency said I have to pay them as of this date XX/XX/21. Collection agency is upset because I will not pay them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have tried on several different occassions to resolve this issue with the credit bureaus regarding  XXXX  accounts being reported on my credit report. There are  XXXX  accounts that are reporting as account settled less than full balance for   XXXX   XXXX   XXXX   however that information is not correct. I previously sent a letter to  XXXX  and they responded with a letter stating that the balance was settled in full. I forwarded a copy of this to all  XXXX  credit bureaus. However, instead of fixing this merely obvious error they just updated both accounts to reflect account meets FCRA requirements. Clearly this was lie and no verification was completed or the response would be different. I sent a previous complaint using this system and they denied the investigation stating the address I provided is not on file however that to is a lie!!! I have attached a copy of my printed credit report that has my address reflected. This company is attempting everything in its power to negate my request and violate my rights. FCRA states I must provide my identity by providing my social security number and I have done so. I will NOT provide any of my bank statements or personal identification to a 3rd party agency that I am not required by law to do so. The address I provided is listed on my credit report and an investigation must be completed!

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 2021-11-17
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a copy of my credit reports and noticed I C SYSTEM INC is reporting what looks to be a fraudulent account of {$380.00} to all credit reporting agencies which are XXXX, XXXX and XXXX, i have never done business with I C SYSTEM INC and do not wish to contract or have an agreement with I C SYSTEM INC, i have never authorized I C SYSTEM INC to access my personal information or credit file such as social, DOB, address, Phone, i have never signed contracts, documents, or agreements with I C SYSTEM INC.

I contacted I C SYSTEM INC and asked them to provide me with a copy of contracts, documents, agreements, photo id, social or what ever was used to open the account with I C SYSTEM INC. so i can file a police reports. i was told by a XXXX XXXX lady that they do not need to provide anything, i said its lots of identity theft going on and i need what ever you have to file a report, she hung up on me. I called again and ask to speak with a supervisor, then another lady hung up on me.

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 2017-06-01
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:
I have had inaccurate reporting on an  XXXX  charge account for over 6 months now and the credit bureaus still allow the creditor to report the account status as " delinquency  XXXX  '' and it has been dampening my  credit score . I working hard to buy my wife and daughter a new house but the home loan company says my scores are too low and in fact dropped from a  XXXX  as my mid score down to a  XXXX  and the only thing derogatory that changed was   XXXX    report  XXXX  the derogatory remark. I do n't know what else to do we 're suppose to close on   XX/XX/XXXX  a nd these companies have all the power to affect such a large part of our lives. I have made mistake but for this to keep affecting me the way it has seems very unfair. I also had a loan taken out by in my name that the bureaus still have not taken off even after the police and other government site provided me with everything to hand over and I did now i had to pull the account out of dispute status so FHA will approve us but that i can deal with later. Im desperatley trying to get the ccredit bureaus to delete the delquency states and negative remark so my score and report will reflect accuratley. I made some notes on a credit report which I have uploaded. I 've tried disputing the account atleast 3 times.

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 2021-11-17
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am a victim of identity theft. I have contacted United Revenue Corp and disputed this alleged debt under the FCRA and FDCPA. As of this complaint United Revenue Corp has failed to remove the debts or provide proof and or verification of the so called debt. I did not incur this debt. It is NOT mine. I am attaching my identity theft report/ notice from the FTC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase has closed my account for no apparent reason and it was supposed to been unlocked so I can use again. Its been months and havent heard any news and still cant get in my account. Ive been a good customer and had no problems and need my account back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: Ability Recovery Services, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ability Recovery has failed to provide proof that there is some contractual obligation which is binding on me to pay this debt. Ability Recovery has also failed to provide copies of any HIPAA authorization since this is a medical account or copies of any agreement that bears the signature of the alleged debtor wherein he or she agrees to pay the creditor agreement that I have with their client that grants them the authority to collect on the alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES : and SEC.13407 ( 1 ) BREACH OF SECURITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TD BANK US HOLDING COMPANY
State: VA
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:
Target Card Services agreed to and email a 48 month payment plan on XX/XX/XXXX. On XX/XX/XXXX, I attempted to make payment on XXXX online website. I have had access since XXXX but was denied access. I used XXXX XXXX Bill Pay to forward the agreed upon payment amount XXXX and received charge off on XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Santander is refusing to provide the title for my XXXX  XXXX XXXX to the new lender. 
I have called them twice and still dont have what I need for the refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Navient is calling my phone 4 to 5 times a day asking have I found a job trying to advertise consolidation it's making me feel harassed especially because I am XXXX having XXXX XXXX and XXXX   XXXX, XXXX and XXXX these phones are XXXX me out I asked several times for them to put me on the do not call list but they still won't listen even though I change my number they get my new number and call me repeative I'm very XXXX  now I'm just thinking about canceling phone service all together

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
There is a payment of XXXX from my car loan that dinged my credit card score. I paid the amount in full on XX/XX/2018. The delinquency was not removed from my account. 

I missed a payment with XXXX XXXX that also ruined my credit card score. I am now in a debt management program that is paying my debt down. Can you forgive my {$3600.00} credit card debt that I have currently? 

I also have a {$5000.00} credit card with XXXX XXXX. I am currently paying it down. Can you please forgive this debt as well? 

Lastly, I have a {$1800.00} XXXX gas card debt as well. I am currently paying it off. Please help me. Please forgive this debt too. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.

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 2019-03-16
Company: NRA Group, LLC
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I met the requirements for the ability to benefit to the exact letter of the law. They knowingly falsified their findings to continue to garnish my wages. I was exactly the person this law was designed for and they simply ignored the law and continue to ruin me financially. Someone needs to investigate this. We can not continue to let our politicians get away with this type of behavior. Please investigate the Department of Education and the collection agency they use to ruin peoples lives. I promise that if you investigate my case you will see that I met the requirement. I ask that you just look into my claim and the people who committed fraud to deny my claim.

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 2019-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have submitted a dispute to this credit bureau on the following datesXX/XX/2019XX/XX/2019XX/XX/2019XX/XX/2019I sent a copy of my passport, social security card, and proof of address from the United States Postal Service when I did an address change. The letter from USPS is confirmation of my new address. The credit bureau has refused to investigate any of the disputes I have submitted with proof of my identity and proof of address. I have also requested a copy of an original contract showing my name, address, and signature for all accounts that I listed in my dispute. The credit bureau has failed to provide proof that these accounts belong to me

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