BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: OH
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 disputed this US Department of Education account through all three credit bureaus. They all came back and stated that they " verified '' the information. I went directly to XXXX who was the alleged " reporting third party '' and they found that this account could not be verified and have since deleted it. However, the credit bureaus are still reporting this information as " accurate '' and defaming my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been unable to request my report from XXXX, XXXX, XXXX, and XXXX monitoring services. They give me error dialogs which state that the issue is with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Debt Management Incorporated
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XXXX/XXXX/XXXX a XXXX XXXX from Debt Managment Inc dba Capital Recovery Systems ( physically permanently closed ) with ONLY a PO Box and phone numbers, did : 1. Falsely state a ( discharged ) debt was not removed from credit reports because I was n't on credit report sites. 2. Was provided with an confirmed receipt of Bankruptcy Discharge XXXX/XXXX/XXXX notice taken directly from XXXX site. 3. Upon proof of his false statement, XXXX XXXX then flatly refused to do anything to remove from credit reports, a collection matter included in a discharged bankruptcy, which unlawfully appears to be an active collection matter when it is not. 4. XXXX XXXX is intentionally and unlawfully causing harm to me by way of false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: IL
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:
previous XXXX compliant No form of verification was provided to me. These account must be deleted because i know you dont have my original signature on anything. This is breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: FL
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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: Their investigation did not fix an error on your report

Complaint:
I do not believe that an investigation was done because there is still a late payment reporting for XXXX  XXXX XXXX and I was never late. I have not received anything validating that I missed a payment. I have tried to get this updated months ago and have had no response. Please explain how you're reporting a late payment when I was never late on this account. Please update this account to paid as agreed, never late.

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 2017-08-21
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received debt collection calls around XX/XX/XXXX from Diversified Consultants, Inc ( " DC '' ). DC was trying to collect a debt for XXXX XXXX XXXX in the amount of {$1000.00}. I immediately informed DC that the account was fraudulent, that my identity was stolen in XX/XX/XXXXwhen my wallet was stolen, and that I did not authorize the accounts at the service location. The XXXX XXXX XXXX account serviced a house in the XXXX XXXX, Texas area. DC informed me that it had marked the account as fraudulent and that a " fraud packet '' would be sent to me in the mail. I did not receive a single " fraud packet ''.
Not only did I inform DC that the accounts were fraudulent, but I also informed it I had a case file open with the XXXX Police Department - Financial Crimes division with Incident No. XXXX.
After receiving more debt collection phone calls, I decided to subscribe to XXXX to monitor my credit and safeguard my identity. It was through XXXX that I learned that DC had filed the collections on my credit report. I immediately called DC numerous times and leaving multiple voice mails. No one returned my calls.
I recently received letters from my credit card companies saying my credit limits have been reduced by a total of {$8000.00} as a result of these collection items being reported on my credit.
Through the advice of XXXX, I have filed disputes as to the collection items on my credit reports with XXXX and am now filing a complaint against the DC for knowingly reporting a fraudulent debt on my credit and causing me {$8000.00} in damages, at minimum.
Please note that I will be seeking all available legal action in addition to filing this complaint. If the CFPB would like copies of my incident report from the XXXX Police Department, please let me know and I will do all I can to facilitate the delivery of those documents for its review in this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Based on the information received XX/XX/XXXX and my payments made in XX/XX/XXXX and  paperwork received from XXXX XX/XX/XXXX the information given to me about their decision does not show the same history payment as the XX/XX/XXXX and payment history. XXXX reversed the late payment assessment and made two payments in XX/XX/XXXX. please see attached paperwork for review. Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, DEPTEDXXXX Account # XXXX, DEPTEDXXXX Account # XXXX, DEPTEDXXXX Account # XXXX, DEPTEDXXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2017-08-21
Company: Penn Credit Corporation
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive calls from Penn Credit 3 to 4 times a day. Each time it rings no more than one or two times, never even giving me the opportunity to answer the phone. I have no loans with them and I have no late payments with them or any other company. On XX/XX/XXXX, I had a call at about XXXX MDT and again at XXXX MDT. In both cases the phone rang one time.
On XX/XX/XXXX, I had a call at about XXXX MDT and again at XXXX MDT. Again, in both cases the phone rang one time, not even giving me the chance to answer. I 've had numerous other calls from that under the same circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
The USAA FEDERAL SAVINGS BK policy requires adverse reporting to credit bureaus for seven years for accounts which have been PAID IN FULL following placement into profit and loss status. USAA is taking advantage of protection provided by a FCRA that does n't exist. FCRA Section 1681c relating to Accounts placed for collection or charged to profit and loss does not directly or specifically include accounts charged to profit and loss which have a CURRENT PAID IN FULL status. The law clearly states Accounts placed for collection or charged to profit and loss WITHOUT specifying reporting of accounts which have a PAID IN FULL status following a charge to profit and loss. I do not believe the INTENT of this FCRA law is to penalize a debtor who has PAID HIS DEBT IN FULL AT ANY TIME. Continued adverse reporting to credit bureaus penalizes the consumer AFTER he has paid his account IN FULL. Additionally, as a result of the lack of inclusion of accounts which are paid in full status under FCRA, USAA has no right to maintain and adversely report information which the government has deemed nonexistent and not covered under this law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: ACS Education Services
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:
I was attending XXXX XXXX XXXX and was granted a Student Loan with ACS Education Services in XXXX. At one point I was late on making a payment. This account with ACS Education Services was transferred, closed with a {$0.00} balance. This is how it 's reporting on my credit report. I 'm currently paying off this original student loan with XXXX and have never been late with payments. I contacted ACS Education Services in XXXX and XXXX and requested the negative remarks ( late payment ) to be removed from my credit report. I was told via secured email that the account will report accuratly and the negative remarks will be removed from credit report. However, this never happened. I filed a dispute with a credit agency, XXXX in XXXX of XXXX and provided a letter stating that I completed rehabilitation program for the student loan, currently making automatic payments to XXXX and never missed one payment in 2 years. I also provided email communication between ACS and myself stating that they will remove negative remarks from credit report. ACS replied to credit bureau, XXXX stating that the account is reporting correctly since I was late when I had the active account with them, even if my account with them is currently closed, transfered with a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: Chime Financial Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I got an fraudlent charge Merchant : XXXX XXXX AmountXXXX Date : XX/XX/XXXX I used my card at the merchant mentioned and used my chime credit builder card for the amount of {$38.00}. I returned to the merchant the next day for a service check, however no service was performed, yet my card ( same card that I used to pay with the day before ) was charged a new amount of {$140.00}. 
I contacted the merchant with no response, then I proceeded to contact Chime and report the erroneous charge. 
Chime opened a dispute claim, only to deny it a few days later. 
I requested the dispute documentation and the explanation provided by them was derisory to say the least, ( file attached ). They claimed my card was used at the same merchant the day before ( precious piece of information, I was fully aware of, since I was the one who made such a charge ) and besides that I had used that card on same day at other merchants ( Please not at no point and time I attempted to charge back any other transactions I was responsible for during that particular day ). 
Their statement outlines the limited investigation method used by this institution : if I was in possession of my card therefore the claim is not valid. Shouldn't they consider that the fact I had the card in my posession, does not stop individuals or businesses that have my information on their file ( through different methods ) to place such charges? Their customer service is extremely unsatisfactory, they handle these charges investigations with an utmost incompetence

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: AES/PHEAA
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to Fed Loan Servicing and requested information in which I have yet to receive a response. Fed Loan Servicing is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
*Below description. Also see attached supporting docs, please* I went to XXXX XXXX XXXX in XXXX XXXX NJ on XX/XX/21 around the times of XXXX with my girlfriend. I might have had my credit card on the bar next to the running tab when I was ready to pay. When I went to close out my tab, the bartenders told me that the man across the bar took care of our tab so I didn't use my credit card. I only gave the bartenders a {$20.00} cash as tip. When I looked at my statement the next month, it had {$300.00} charge from the XXXX XXXX for that same day. 

I opened up a claim with my bank, Wells Fargo. After an investigation, Wells Fargo said the charge was authorized because the EMV Chip was used. I said that the charge wasn't authorized by me and reopened the case, giving them more info- I had my card out on the bar when i was ready to pay, which I hadn't told them before. After a second investigation, Wells Fargo came to the same conclusion. I opened the case again because I definitely didn't authorize this purchase and am still trying to get this money back. 

I had contacted the XXXX XXXX in the meantime to get any evidence that I could. They said they no longer had anything like a picture of the signature or any other evidence because it happened over a month ago and they didn't keep records for that long. Police report was also filed with all this info and sent to Wells Fargo.

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 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted a on time payment to XXXX for the month of XXXX on XX/XX/21 and for some reason they are reporting the payment as late and I have to resubmit the payment. As a result they reported that I paid them late and this dropped my credit score 51 points. I would like this rectified and for them to remove this late payment/notice from my credit.

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 2021-08-23
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 information incorrect

Complaint:
1. Equifax has been reporting incorrect and out dated information which causes me to have a lower than average FICO scores and pay higher interest rates.

2. Equifax continues to report high usage on my revolving accounts as above normal, as if I am over using my available credit and not paying it when in fact I have been paying my accounts in full every month, no less than 80 %.

3. Equifax has made a decision to report my revolving as high usage, when I do not use large amounts without paying them off in full or close to it.

4. Example : Equifax when I am on vacation I use my credit cards for safety, points, discounts and travel records. Afterwards, I get dinged on the day of that I have used my card as if I over used it, but if I pay it off it takes them 30+ days to get it recorded and updated. Meanwhile, if I apply for credit, my FICO fall into the lower numbers resulting in higher than average interest rates. Drops sometimes as much as 20 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
please find attached ( upload ) letter from the creditor for which they have approved to remove the inaccurate delinquency from my XXXX XXXX XXXX # XXXX, XXXX and transunion are the only ones who are reporting this inaccuracy, i have already faxed the creditors letter for which they have approved to remove the late on this account, but they are not responding therefore i decided to file a complaint and need yoiu help to do so. thank you for your cooperation in this matter.

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 2018-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 spoke with transunion on XX/XX/2018 and told them I was a victim of the service error where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries BACK to the consumer credit reports! TransUnion failed to follow the LEGAL procedure to actually do so. The representative told me that I was not a victim and I stated I was. Transunion refused to remove those inquiries. 
A list of all the inquiries that need to be removed have been uploaded.

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 2018-09-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After several attempts to contact XXXXXXXX XXXX via phone and mail, they will not take the " charge-off '' off of my credit report, which has been sent to all XXXX credit reporting bureaus. The amounts from XXXXXXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX XXXX ) are paid in full as of XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ). Please find attached documents showing that the paid amounts have been deducted from our checking account monthly. I have asked sent letters to XXXX and spoke with them on the phone, who have verified that the account has been paid off, but they will not help me since the account was sold to XXXX XXXX. I have sent letters to XXXXXXXX XXXXk and spoke with them repeatedly on the phone, and they stated that because XXXX went out of business, they made my account a " charge-off '', even though it was paid off.

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