BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: The CMI Group, Inc.
State: IN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Canceled my services in XXXX and moved out of my house. I asked during cancelation what i owe and i paid my final bill. I went to return the equipment a few days later in XXXX to a store and I asked them as well if i owed anything and they said no. Months later today i see a derogatory mark on my credit report so i called the debt collector and they told me its from an XXXX XXXX I called XXXX to clarify this and it was a pain to get a live person on the call. So i initiated a live chat online and I explained it to 3 people and i was transfered after a promise was made to resolve this for me. They took over 2 hours to " work '' on this and I still do not have a resolution. I was bounced around re-explaining the situation and that i need them to fix it but no one has helped me with it so far. I have a perfect billing history and I always paid all my bills in full before the due date and never had a late payment so i have no reason to withhold this from XXXX, had i had been made aware of it. I'm looking for a letter from XXXX to give to the debt collector that says this was erroneous and i want the derogatory mark removed from my report and the collector said that is how they can do it. I asked XXXX for the letter and i was immediately transferred without a proof. i have the entire chat history with all the 4 representatives that bounced me around if needed.

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 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT 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 2019-10-11
Company: Credit Service Company, INC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I reached out to credit service company about 3 debts they said I owed. They later sent over information regarding the debt. Initially they said I owed a certain amount. When I received documents on XXXX XXXX the debts and letters that they previously sent me Didnt match the debts that they say I owed and is reporting on my credit file. Also they sent me a letter that is supposedly from XXXX with my Current address and dates that do not match. In XXXX which the bulls are dated for I did not live at my current address. Please see attached documents for contradicting and fraudulent info. I ask that credit Service inc please provide me with XXXX info so that I can request the documents myself. I was not able to attach all the files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV funding LLC is reporting inaccurate and unverifiable information. The account numberXXXX under reference number XXXX can not verified under personal information with LVNV funding and XXXX XXXX XXXX XXXX XXXX. I am requesting that LVNV funding LLC delete this account from my credit profile under the FRCA section 609 and 605B. Section 609 states every consumer reporting agency should be reporting accurate, verify able information to the consumer credit report. If the information is not accurate or verify able it should be deleted. XXXX XXXX from XXXX XXXX XXXX could not verify that my social matched the social they had for account ending in XXXX. Under section 605B ( a ) ( 1 ( ) 2 ) of the FCRA XXXX XXXX XXXX and LVNV funding, a consumer reporting agency shall block the reporting of any information in the fi le of a consumer that the consumer identities as information that resulted in identity theft, not later than XXXX business days after the date of receipt by such agency of a copy of an identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Bepensa Capital, Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am a XXXXXXXX XXXX and work long hours. This company has repeatedly contacted me causing XXXX and distress asking me regarding my brother which I have told them 3 times I no longer live with. I explained I did not know of his new address and they actually questioned on the phone if I was telling the truth. 
Despite this they still contact me during my work hours and after AND just today they have emailed me. 
Please note that I am not the debtor. They have harassed my mother and my stepfather as well. 
The one time back in XXXX when I spoke to my brother about these calls he never disclosed any information about what this was regarding. Initially I thought it was a shady friend of his due to the ridiculously illegal methods of contact to his family. 
Today I have received an email with the subject line XXXX. This means it is a car loan and therefore this so called company has violated federal law as they have disclosed loan information to a third party. I am appalled. I have proof and will consider legal pursuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no recollection of ever belonging to me with these collectors/creditors. I have asked to submit proprietorship verification on numerous occasions, but they have not yet agreed to my proposal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: SANTANDER HOLDINGS USA, INC.
State: FL
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:
I had paid off my Auto loan in full on XXXX, XXXX, 2023, but till date the Santander Bank has not reported to the Credit Bureau and the Loan amount is still showing in my Credit Report. It's a Fraud and despite of several Complaints earlier, Santander Bank is not taking this seriously. 

I spoke to one of the Customer Support Associates XXXX on XXXX2023 and She confirmed that the account has been paid in full on XX/XX/2023and refused to give me a Ticket number for the Complaint for concern about not reporting to the Credit Bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23
Company: Maximus Education, LLC dba Aidvantage
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/2023 attempted to make a payment online. Red error message pops up reading " we're sorry - an error occured. Please try again '' I tried again today XX/XX/2023 I believe they are preventing me from paying down accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
My wife and I decided to pay off my mother in laws parent plus loan after she had passed away. We did not realize that once she passed away, the loan would be discharged. Therefore we requested a refund. We were told to provide a copy of the death certificate, and additional information to process the refund, which we did. Its been over a month and the companies involved could not provide me information as to whether the refund request was approved or not approved. 

I am still waiting for my full refund, and I am hoping to expedite this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
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: Information belongs to someone else

Complaint:
Inquiries reported on my report that are not mine. XXXX XXXX XXXXXXXX, XXXX XXXX US SM BUS ADMIN ODA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: MO
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:
To whom it may concern, I have recently received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Meaning that if you do not have or have not gotten any written instructions from me ( THE CONSUMER ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instructions to furnish any of the following accounts. 
Secondly according to the 15 USC 1681.The law clearly states. 
1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX I mailed 2 checks from XXXX XXXX ( 1 drawn on Chase Bank # XXXX and the other on XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX XXXX XXXX to the attention of XXXX XXXX, Branch Manager. The purpose was to set up a XXXX XXXX earning 4.88 % Interest. The checks were never received. On XX/XX/XXXX The {$200000.00} check drawn on Chase payable to XXXX XXXX cleared my checking account even though there were insufficient funds available. Chase applied the overdraft protection attached to that account and cleared the funds from my money market account. The XXXX check for {$300000.00} was promptly returned for insufficient funds and XXXX XXXX was notified of the fraudulent attempt. Both Checks were stolen from the mail, was NOT endorsed and Deposited into a XXXX XXXX account in XXXX, XXXX. I was told that a claim was made by Chase to recover the funds from XXXX XXXX on XX/XX/XXXX. I have made several phone inquiries but always given the same response that it could take XXXX days to recover said funds. I have asked for written proof that XXXX XXXX was in fact contacted but have not received anything other than an acknowledgement that they did? The CLAIM # is XXXX. Please note a police incident report was filed with Chase. 
Both Chase and XXXX XXXX has to guaranty prior endorsements. Chase is making me wait for my money since XX/XX/XXXX!. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase will not allow me access to our account until I accept their XXXX  page " Digital Services Agreement ''. I do not have the time to review a XXXX  page document. 
I need access to our accounts- there are several business accounts tied to me, I can not just blindly " Agree '', which by the way they don't give you the option, you have to agree or you get signed out of your login. I don't know what fees they're going to try and start charging or changing... This is so not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: I.Q. DATA INTERNATIONAL, INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This complaint is against IQ Data International.

I called a week ago to settle an old debt and was immediately met with abusive language and tactics. I offered them several amounts to settle this debt and not one was agreed upon. For some reason they feel the need to be unreasonable and rude. I find this very odd since I was attempting to settle a debt on my own accord. I do realize they work on commission however. 

Since we could not come to an agreement on a settlement amount, the call was terminated. 

I called back several days later and attempted again to settle this debt and was met with even worse tactics and suggestive language. All of were very low class. I upped my offer amount to close to the full amount that was originally owed and still they would not accept. So once again the call was terminated. 

Today they called my work screaming at me and demanding payment in full or else they would report that I was absconding from my debt to the authorities. 

I called several hours later to report this abusive behavior. I was escalated to a manager at IQ Data International. I repeated to them again that they were to have no contact with me accept through mail and not to call me in any way shape or form. Of course they had no record of the call and demanded my work number. I told them I was not comfortable giving them the work number and she started yelling at me that she couldn't help me then!

You could hear the boiler room in the background and everyone was yelling and clapping with all the debt they had collected that day. You could hear {$21000.00}!!!!! Good Job!

Needles to say she hung up and there was no resolution to my complaint. This is kind of a Fox watching the Hen house situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Optima Advocates
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is about a company Optima Advocates. They told me they could help me with my private student loans. After 10 years of paying my private loans, I still owed a lot of money. ( The original loan amount was XXXX. I paid XXXXroughly XXXX $ a month on time every month, but still owed XXXX . ) This company told me it was because I had bad loans and because of that I could get my loans fully dismissed. The catch was I had to pay a huge fee upfront to this companyXXXX . This was suppose to go into a holding account and only paid to the company when my case was resolved. And they pointed to my contract that said if they didnt do what they said, I would get a full 100 % guaranteed refund of all my money. I also had to stop paying my private student loan money, which has completely ruined my credit. 

I have already made one complaint to the CFPB about this company not returning my calls or getting back with information. They did get back to me at the XXXX of XXXX but with not much information and then promised more information. I was told in XXXX and XXXX that they would answer my questions about why they charged me with such a high fee, and to clear up conflicting information about what is going on in my case. I still have not been able to get any answers. They said it could take a year to resolve my case. It has been over a year ( I signed my contract XX/XX/2017 ). And I cant get any proof that my loans have been dismissed or any proof that much has been done to justify their huge fee. They wont discuss refunding my money or answer any direct question as to why and what is going on. I spoke with a lawyer about what my rights are and if it is possible to sue them. I told them so, and Optima Advocates said their lawyer would get back to me. But no one has. I call them regularly. And so far have not been able to speak to anyone who has any information other than, I will get back to you or I will have this person call you back. Again, I have no proof that this company is doing what I paid them XXXX to do, meanwhile my credit is still ruined.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-19
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had an issue with Regions bank that required I contact them to stop payment on an outgoing check. This caused a horrible headache in which they refused to listen to me and allowed the account to be charged 5 times in a row, so they could collect multiple overdraft fees. 

I contacted CFPB at that time, and the charges immediately stopped, as did the overdraft fees. However, now my account is heavily restricted and I can no longer link the account with online services like XXXX. In fact, this is preventing me from paying my bill to XXXX XXXX 

This is clearly retaliation for the previous CFPB issue. Every time I contact customer service at Regions, they just tell me they can't provide me any more information on the issue. Effectively, they have closed my bank account, allowing money in but not out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: EQUIFAX, INC.
State: AZ
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:
There are fraudulent inquires on my credit that I want removed! 

They werent opened by me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2021-01-03
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
They have the wrong person with similar name I told them that and they said they would remove the collection have not done so. 

This was done in XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022

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 2023-11-21
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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