BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-17
Company: I.Q. DATA INTERNATIONAL, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted on XXXX XXXX, XXXX at XXXX pm in the afternoon by IQ Data International and was told I owe money for a debt and that I should pay you or it will go on my credit report. I told your IQ Data International I was completely unaware of any debt owed and had not received a bill, notice, or information about supposed debt of any kind. IQ Data International representative XXXX told me they had sent a notice and he confirmed my mailing address which was accurate. I told him to resend it as I obviously did not receive it and I would get in touch with the alleged party who said I owed this debt and had passed supposed debt onto your collection agency. 
It is now XXXX XXXX, XXXX and I received an alert from my credit monitoring service that a derogatory collection account had been placed on my credit report from IQ Data International. I called back IQ Data International again and spoke to XXXX who said they had resent a bill. I told him I still have not received a bill of any kind from IQ Data International and asked him to send the bill certified mail so I can have proof it was sent, XXXX said your IQ Data International does not do that. I also asked to have it sent COD or any other means which I will pay for, once again XXXX said your IQ Data International does not do that. So I still have no idea what this supposed debt is for. IQ Data International fails to send any documentation and when requested to send it via provable means they refuse. Instead they put an unvalidated collection account on my credit report, damaging my families financial future, which will possibly cost me tens of thousands of dollars in extra interest over the years, declined mortgage/car loan applications, and even affect my employment and future employment opportunities. I owe. In my opinion this is the financial version of extortion and certainly is not FAIR debt collection practices by any means, on the contrary, it seems illegal. 
By law I was to receive a detailed validation notice of supposed debt within 5 days after initial contact. It is now over 35 days past the first contact and I have yet to receive anything. And full well knowing I have not received this, IQ Data International still went ahead and posted this 'supposed ' debt on my credit report. Worse yet, I have made good faith efforts and reasonable attempts to try to even find out what this debt is for, yet your IQ Data International has not sent me anything while continuing to harass me with phone calls causing me severe anxiety, stress, and a feeling of helplessness. Is it not fair to know what a debt is for before paying it? Why do I own the burden of proof here?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Experian Information Solutions Inc.
State: NV
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've sent written demands to Credit reporting agencies and direct creditor to validate debt within the allotted time required. I have not heard back from said company with validating to debt to be mines with my signature.

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 2018-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
XX/XX/2017 Capital One Auto Finance -Inquiry XX/XX/2017 XXXX XXXX -Inquiry XX/XX/2017 XXXX XXXX XXXX -Inquiry XX/XX/2017 XXXX -Inquiry XX/XX/2017 XXXX XXXX  and XXXX -Inquiry XX/XX/2017 XXXX/XXXX  XXXX - Inquiry XX/XX/2017 XXXX  XXXX XXXX  -Inquiry XX/XX/2017 XXXX -Inquiry XX/XX/2017 XXXX  XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
XXXX has reported on my account on all three credit reports as amount delinquent. The company has reported Account charged off in {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. Yet the full amount this was reported on form XXXX as cancellation of debt but still reporting to credit bureaus as of XX/XX/XXXX and continuously for the last few years. The account number for this account is XXXX. The address for XXXX XXXX XXXX XXXX XXXX XXXX, SD 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 2017-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Transunion employee is lowering the credit score. Debt has been paid down with no improvement within the last five years. There are no liens payments are on time. Could decipher what was causing the score to be so low. Contacted Transunion for correction however this has not been corrected. Scoring does not match what is occurring. Additionally there were jumbled addresses that I requested to be removed from people attempting to take credit. Placed credit on a fraud alert. Issued new information however this issue is not resolved. Additionally there are collections that were paid that should be removed from the account.

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 2022-07-19
Company: EQUIFAX, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX ; - Account XXXX XXXX # XXXX - Account XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  ; - Account XXXX XXXX  # XXXX - Account XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-04-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Approximately mid XX/XX/2017, I spoke with a female employee with Navient concerning a possible loan transfer from my provider XXXX. I was given this provider by XXXX who stated I would be given a loan reduction and better terms. First, XXXX did not follow through on their promise. Secondly, after speaking to a Navient employee, I was told my payments would be much higher and a longer term ( than my current provider XXXX ). I firmly told her do not transfer ( cancel ). I also faxed a letter on XX/XX/2017 to cancel. Approximately several weeks-one month later, my loan was transferred to Navient. They ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: MD
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 disputed this account due to inaccurate reporting multiple times with Equifax and XXXX. It comes back " Verified as Accurate by Creditor '' every time. The information is inconsistently reporting between Equifax and XXXX. How is that possible that it comes verified as accurate each time? The high credit is inconsistent. The credit limit is inconsistent. The date of last payment is inconsistent. This account also is " Open '' yet reporting as a collection/charge-off. How is that possible? The Credit Bureaus are not in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened Citibank priority account on XX/XX/19 with a promotion to receive XXXX XXXX XXXX miles upon completing {$750.00} debit card purchase and 1, 2 or more bill payments. I completed the above requirements and it was confirmed by the bank chat agents twice in XXXX and XX/XX/2019. 

After the waiting period on XXXX, Citibank informed that i have not met the terms for this promotion explaining that the term was to make bill payments for 2 consecutive months and confirmed that they will not honor the promotion. When I tried to discuss this with the frontline bank supervisor Mr. XXXX, he was stating that the chat agents could have made mistakes but they are not obligated to abide by what was confirmed by 2 different chat agents. 

Another statement from the supervisor which intrigued me was that the chat agents are responsible for filtering out requests from customers but bank is not obliged to own their confirmation by agents is worrying. So I had to request closure of the account today. 

I am attaching the confirmation by 2 agents a month apart and denial letter from the bank. 

Kindly help in resolving this issue.

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 2022-07-19
Company: Experian Information Solutions Inc.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX ; -Account XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding my Capital One. The status is reporting late. I find that strange since I don't recall being late at all as all of my bills are on auto-pay. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me INCLUDING CAPITAL ONE. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies. Remove these late payments now!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WAYPOINT is claiming that I owe them {$56.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: SLM CORPORATION
State: ME
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have a couple loans through Sallie Mae. I had to have a co-signer and that was the easier part. I think for student loans they are pretty hard to acquire them without a co-signer. I'm XXXX, seriously. I do find it very difficult to talk to some one, change contact information, deferment, forbearance etc. I am still in school, and every time you turn around I have to get in contact to change it in school deferment. The do not call you just once. If you have multiple loans with them you get an email, phone call and text message to you and your cosigner er each loan. So your getting multiple calls, emails and texts. This happens over multiple days, It is down right annoying. There is no way to limit this or even change the method of contact. This is on the border of harassment. I have tried every semester ( yes I literally have to call each time ) to update that I am still in school, fight to get a deferment or forbearance, etc. This time I literally have called daily for a week, I still have not fixed anything, and now the loans are late for payment. Each time I call no matter what time of day it is. There was one time that the wait was over 3 hours, 2 hours, 1 hour and another time it changed to 77 people ahead of you 62, 34, literally it is impossible to reach anyone. It is not possible to download a form to submit, you would have to sit on the line all day to do this. When you work this is impossible. This is going to affect mine and my cosigner 's credit, and I really can not get any where. I am still in school and am trying to finish my XXXX, this ads an extra level of stress each semester when you have to call and report in or get things changed. No one has time for such crazy nonsense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I sent a complaint on XX/XX/21 the complaint was never reviewed by Wells Fargo so I am sending it again. 
# 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 2018-07-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Rushmore purchased loan in middle of short sale. Lost all documentation over and over during several months. Point of contact for them ( XXXX ) is never available, and has not once returned a call. We lost 3 potential buyers because they can't respond or keep documents in order. Now we get a notice to foreclose, but they can't explain why. We have proof of submitting the same documents up to 8 times, but still unavailable by them. They repeatedly yell and cut you off when you are trying to talk to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, 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:
Hello during COVID, it was very hard to keep up with bills throughout the pandemic. Recently I looked at my credit report and saw way more late payments than I ever missed. I disputed with the company to make sure that everything was correct and they reported back results that were accurate. However ; there are discrepancies amongst the other credit reports as well. 

On my XXXX credit report XXXX Account # XXXX, showed that I had a late payment on XXXX of XXXX. That same account on my equifax shows that I have a late payment on XXXX of XXXX. Once again, that same account this time on my transunion report showed a late payment on XXXX of XXXX. 

I have the same situation on my XXXX report with XXXX  Account XXXX XXXX, My late payment history shows two late payments, one on XX/XX/XXXX & another on XX/XX/XXXX. 
However ; on my equifax report theres only one late payment on XX/XX/XXXX. 

I am trying to get a home and I find it really suspicious that after disputing my report with the credit bureaus all of the disputes came back correct and unchanged. I would like to receive some monetary compensation for each of these violations. I would also like to have these late payments completely removed off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions 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:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2017-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For the second month in a row, on XX/XX/XXXX, Bank of America has cancelled my online payments for two of my credit cards right before the XXXX XXXX XXXX and right before my payments were due. This time I caught it in time before they could charge me a late fee and interest, which they did the previous month. They have been randomly engaging in this behavior I believe to generate additional fees and interest. I have tried to address this on XX/XX/XXXX with their 1-800 number but only to get endless run around, I also visited the XXXX XXXX XXXX on XX/XX/XXXX to try and resolve this, only to have the Assistant Manager accused me of wrongdoing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief