BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received letter from XXXX XXXX  see attached documentation that no balance is owed. Sent certified letter to Portfolio Recovery on XX/XX/2021 XXXX : XXXX XXXX XXXX XXXX XXXX see attached letter. On XX/XX/XXXX I received another letter from Portfolio attempting to still collect a debt that I do not owe. They continue to report derogatory information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2022-03-28
Company: EQUIFAX, INC.
State: AL
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:
Last year I called all three credit Bureaus regarding the inquiries thats been reporting on my credit report. I informed them that Ive contacted the companies and that they aggressively to remove them but hasnt the credit bureaus transfer me to the fraud department and I was told that the matter would be taken care of and now I still see these inquiries on my report including more. Ive been trying to get a Mortgage loan and when I see my report I see more inquiries reporting on my credit from this year XXXX. I have the MyFICO app which told me that my personal information is on the desk web. The inquiries thats listed on EQUIFAX : is XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 explanation
Consumer complaint received 2023-01-24
Company: Credit Karma, LLC
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Credit Karma falsely offered me 90 % success rate on multiple credit cards, causing unnecessary credit checks and ultimately a decrease in score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: CL Holdings LLC
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: Old information reappears or never goes away

Complaint:
Several years ago I won a Dispute against XXXX XXXX for Id theft / unauthorized charges and it was removed. XXXX has now reinserted the same debt under a different debt buyers name. This is an account that was fraudulent and should be removed ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX  and 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 2022-03-28
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Was paid in full on XX/XX/2017 by insurance company and title was sent to insurance company. Ally financial continued to report unpaid debt and false reporting to credit bureaus. Continues to be on my credit report as unpaid debt/charge off which is incorrect and should show paid in full.

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 2023-09-05
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Continues to send one page, no contract with company and now is threatening an attorney to take case. sent cease and desist letter several times beginning back in XX/XX/XXXX company continues to send letters without the corrected information or verification and is still reporting to my credit report as new credit. This is my second complaint about this company as they continue to use Resurgent and XXXX XXXX. It is taking a toll on my credit. I am not able to live the pursuit of liberty and happiness as I am being denied my own credit from other companies because of this company. I have sent several cease-and-desist letters certified to this company and they continue to regenerate the same letter with not feedback, and there are more dates. 
XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo sent me a check for {$150.00} for overdraft fees charged, they then deducted the {$150.00} from my account. And the check is not able to be cashed cause wells fargo said it was cashed already, but they took it out of my account like it never existed, when I called so they could reissue the check they stated it was already cashed. They just robbed my {$150.00}

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 2023-04-24
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXXXXXX Balance : {$610.00} ; XXXX ( OriginalCreditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; 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 non-monetary relief
Consumer complaint received 2021-02-08
Company: JPMORGAN CHASE & CO.
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase decided to lock my account on XX/XX/2021 and I've been told it's pending closure as of XX/XX/2021. They won't give me a reason why. I've called and also gone in to the branch today and they tell me I am not able to access my account AT ALL and that it's under review. They can't tell me why it's under review or anything. How are banks allowed to close someone's checking account and not tell them why or even let me gain access to their money? What if it was fraudulent, and someone out there has my info? What if they thought something looked suspicious but it wasn't so then my account is being closed for no reason at all! I wouldn't know because they won't give me any info! All the money I have to my name is held in my chase checking account. What the XXXX am I supposed to do if I can't access it to pay my bills, to buy gas or food?? This is the most ridiculous thing that I've ever had happen. How do they have the right to do this? I have no money currently due to this situation. They said they will mail out a check once the review is complete and that could take anywhere from 2 -10 business days maybe longer? I can't wait that long. I have bills due this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My credit profile has multiple inquires that were not made by me I have submitted a complaint almost 60 days ago and still nothing has changed please remove these fraudulent inquires. I have mailed my ID and SSN and theft report multiple times and still havent gotten a response.

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 2019-08-02
Company: EQUIFAX, INC.
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:
15 Hard Inquiries within 2 years from XXXX to current XXXX. The report is on Equifax & XXXX on my credit account. Most inquiries I have had never recognized and were victim of its matter. They are hard pull off to monitoring my credit without my consent or permission I never asked them to do so without my authority. Here is list of inquiry from below : ( EQUIFAX ) *XXXX XXXX XXXX  : XX/XX/XXXX-All Banks *XX/XX/XXXX : XX/XX/XXXX -Miscellaneous Reptg. Agencies *XXXX : XX/XX/XXXX XXXXPersonal Loan Cos XXXX XXXX XXXX : XX/XX/XXXX -Bankcard *XXXX/XXXX : XX/XX/XXXX -Mail Order Firms *XXXX : XX/XX/XXXX XXXX National Credit Card Cos *XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- All Banks XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX *XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX-All Banks ( XXXX ) *XXXX XXXX : XX/XX/XXXX XXXX Misc *XXXX XXXX : XX/XX/XXXX XXXX-Bank *XXXX XXXX : XX/XX/XXXX XXXX-Bank *XXXX XXXX XXXX : XX/XX/XXXX-Bank *XXXX XXXX : XX/XX/XXXXXX/XX/2017-Bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXXandXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We are receiving daily robotic phone calls from XXXX from " XXXX XXXX XXXX XXXX XXXX XXXX ''. The message claims they are a debit collector and asks us to call back to resolve an unpaid debit. We have called back, and the phone call is answered by a telemarketer trying to phish for information they do not have ( who is calling, social security numbers, bank account numbers, etc. ). We refused to engage in the phishing and asked that the calls stop. Nevertheless, the calls continue. 

They do have an online website : XXXX XXXX XXXX This website has a " payments '' page referencing the above phone number. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: CA
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 am a Police Officer and my privacy and rights are very important to me. I've researched my rights and found that under 15 U.S.C. 1666b - Timing Of Payments : That My Rights have been Violated. 
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this Title is mailed or delivered the the consumer not later than 21 days before the payment due date. 
Here are the accounts in Question : XXXX XXXXXXXX Acct # XXXX, XXXXXXXX XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX and XXXX XXXXXXXX Acct # 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 2022-02-18
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a Chase XXXX XXXX credit card on XX/XX/XXXX. As part of their promotion, I'm required to spend {$5000.00} within three months of opening the account. 

Chase never sent me the physical card. I called to check on it, and they said they would send another via XXXX, and I would receive it in the next 1-2 business days. This card also never arrived. 

I called again on XX/XX/XXXX, over a month after account opening to see what the issue was with the card. They did send a card, but told me since they didn't have my apartment number correct, it was sent to Ohio. I live in Washington DC. I also have multiple bank accounts and credit cards with Chase. They have the correct address, I'm not sure how they messed this up, but they did. Twice. 

The issue is I now only have two months to meet the minimum spend requirement. I've tried customer service to extend the period a month, but was told they couldn't do that, and would transfer me to a manager, but was repeatedly transferred to other reps who did the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX, I received notices from lenders who declined to grant credit to me even though I never applied for credit with them. They stated that they received my credit information from Experian. This surprised me because I had frozen my credit reports with all three credit bureaus in XXXX. When I attempted to log on my account at Experian to refreeze my report, I discovered the my password didn't work. I believe a hacker took over my online account at Experian and had my report unfrozen and proceeded to apply for credit in my name. On XX/XX/XXXX, I sent a letter to Experian requesting that my report be frozen again. ( I had also previously asked for a fraud alert to be placed on my account. ) On XX/XX/XXXX and XX/XX/XXXX, Experian wrote me and said my report had been frozen. But on XX/XX/XXXX, I received an email from Experian stating that my report had been unfrozen again. I supect the hacker had once again used my hijacked online account at Experian to have the report unfrozen. 
On XX/XX/XXXX, I again wrote to Experian requesting that my report be frozen again and that my online account at Experian be XXXX. Since late XXXX I have received numerous notices from lenders declining credit applications which I did not make. These notices stated that my credit report had been obtained from Experian. I demand that Experian permanently freeze my credit report and permanently disable my online account and prevent any future online account from being established in my name. It appears that the hacker had somehow obtained my social security number and date o birth.

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 2023-04-24
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXXXXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX  ( OriginalCreditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: EQUIFAX, INC.
State: OH
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: U.S. BANCORP
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Cfpb I woukd Like for you to first act upon this issue vs automatically closing my complaint I've been contacted for a purported debt. Elan Financial 's US bank account number is xxxxx. I've been receiving harassing calls from XXXX XXXX XXXX XXXX nonstop. Each day, I take several calls. On one particular occasion, I received three consecutive calls inside a minute. I'm not kidding, not even for a minute. which my rights under the Constitution are currently being violated. I'm specifically referring to the fair debt collection practice statute. By this firm, I am continuously being bothered. This type of calling is abusive and harassing.

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 2019-06-12
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had YEARS of trouble working XXXX mortgage now PHH. I'd like to SPEAK to a loan servicer regarding a refinance and/or mortgage pay off. I DO NOT want to go online and gather information but SPEAK to a human being and ask specific questions and get specific answers. That said, I've waited a total of 2 hours and 5 minutes over the last 2 days to speak to someone. According to PHH, there is, " a high volume of calls so the wait time will be lengthy. '' REALLY?? over two hours?? People have to work and not wait to speak to someone!!! Of course, if one was NOT to pay their mortgage, I'm certain they would be banging down the door to get paid. This company has been a thorn in my side for years because the lack of being able to quickly and directly talk to someone regarding very important finances. I recommend that NO ONE should ever have their mortgage serviced by XXXX/PHH, but then again, mortgages are often sold and consumers don't have a choice in the matter. This has been the WORST financial company I have ever dealt with and they should be ashamed about how they treat their customers.

Company response to consumer: Closed with explanation