BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
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 SEVERAL COMPLAINT 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, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2009 ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$68.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Western Union : Transaction Date : XX/XX/XXXX Transfer Amount : XXXX USD Transfer Fee : XXXX USD Additional Fees : XXXX EUR Expected Payout Location : XXXX Comment : They received my refund request, and I have case number which I can provide. 
Also, they ask me to allow 30 days for processing which was since XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SOUTHWEST CREDIT SYSTEM LOCATED AT : XXXX XXXX XXXX, XXXX, TX XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$500.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Maximus Education, LLC dba Aidvantage
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I graduated in XX/XX/XXXX, so my entire repayment has been during COVID-19 forbearance and I made several payments to my federal student loans during this time. Given the recent changes made to the PSLF program and meeting the program requirements since graduation, I applied. I therefore did not have to make payments during this time ( forbearance ) to receive credit towards PSLF. On XX/XX/XXXX, I submitted a request for a refund from Aidvantage for payments made during the COVID-19 forbearance period, as previously was published on FSA as an option. I was told I would find out by XX/XX/XXXX regarding its approval. I followed up on XX/XX/XXXX on my refund status and was told the request was sent [ presumably to the Treasury ] on XX/XX/XXXX and I would receive the funds in up to 60 days. On XX/XX/XXXX I received a letter stating the request was denied due to the request not being made by XX/XX/XXXX. On XX/XX/XXXX, I left a voicemail to the writer to discuss but never received a call back. I contacted the Ombudsman Group XX/XX/XXXX after several attempts to follow-up on the response and failed escalations through Aidvantage customer service lines. The Ombudsman Group confirmed there was only ever a period of COVID-19 forbearance ( XXXX ) during which payments made could be refunded published on the FSA website. They confirmed there was never a deadline advised by FSA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Velocity Portfolio Group
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was served with papers from XXXX XXXX XXXX XXXX regarding a loan from XXXX XXXX that was bought out by XXXX XXXX XXXX. I called them to discuss the debt and they had informed me what it was about. I agreed to make a payment arrangment. They were suppose to send me documentation of the debt which I never received. The only thing I received was a Judgment Stipulation by docusign. Due to a hardship I had to consider Debt Relief options. The company I am working with said they needed a statement From XXXX XXXX XXXX group showing the original creditor and the amount owed in order to help me with this debt. I called XXXX XXXX XXXX XXXX and the sent me a payment history. The only information it showed was a payment I made to them and Velocity Credits name. I called velocity Investments and they refused to send me information on the debt. They referred me back to XXXX XXXX and told me to ask for verification of the debt. I emailed them XXXX XXXX back and aked for the verification of the debt. They refused and told me to contact the court. I am filing this because, they never sent me verification of the debt from the start and now it is with the court. I dont understand why.

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 2022-12-23
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 SEVERAL COMPLAINT 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, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2009 ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$68.00} ; XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$2900.00}.

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 non-monetary relief
Consumer complaint received 2023-08-10
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: Information belongs to someone else

Complaint:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-19
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
PLEASE READ THE ATTACHED DOCUMENTS FOR FURTHER DETAIL OF THE SITUATION. THIS IS A COMPLAINT THAT IS NON INFLUENCED FROM ANY PARTY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: EQUIFAX, INC.
State: GA
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:
EQUIFAX IS REPORTING OVER XXXX WORTH OF BAD DEBT ON MY CREDIT THAT DOES NOT BELONG ON MY REPORT AND IS REFUSING TO DELETE. I HAVE PROVIDED PROOF THAT THIS COMPANY IS REPORTING THE SAME ACCOUNT WHICH ARE DUPLICATE ACCOUNTS. THIS IS A FEDERAL LAW. YOU MUST DELETE BOTH OF THESE ACCOUNTS IMMEDIATELY OR I WILL SEEK COUNCIL. I HAVE PROVIDED PROOF THAT YOUR COMPANY IS REPORTING INACCURATE INFORMATION WHIS IS AGAINST THE LAW. YOU MUST INSURE MY CREDIT IS 100 % ACCURATE AT ALL TIME AND BECAUSE OF THIS, MY CAR INSURANCE HAS GONE UP, AND I GOT DENIED CREDIT FOR A HIGH DEBT TO INCOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; US DEPT ED  XXXX Balance Owed : {$28000.00} ; US DEPT ED XXXX Balance Owed : {$39000.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXX Balance Owed : {$100.00}

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 2022-03-19
Company: Experian Information Solutions Inc.
State: SC
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 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. 

XXXX - XXXX - XX/XX/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 XXXXXX/XX/XXXX XX/XX/XXXX - XXXX - XX/XX/XXXX In accordance with the Fair Credit Reporting act 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.

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 2019-08-23
Company: BARCLAYS BANK DELAWARE
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 settled two of my delinquent Barclay credit card accounts with a XXXX XXXX XXXX XXXX in Virginia. One account was settled on XX/XX/2019, and the other on XX/XX/2019. Since the settlement, the status of my credit report has read that the debt has been satisfied for less than the full balance. On XX/XX/19, my credit score dropped dramatically as Barclays is currently reporting that one of the accounts, that had been settled, is now behind and that I owe a balance of {$5300.00} dollars. This is inaccurate. This reporting is only showing up on my XXXX report and not with the other credit bureaus. Time is of the essence as I am looking to purchase a new home and this recent ding on my report will put the process in jeopardy. As the delinquent accounts were just recently settled, I am not sure why Barclays is now reporting the account with a balance owed with a failure to pay.

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 2023-12-06
Company: CITIBANK, N.A.
State: OH
Product: Credit 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:
On XXXX I signed a contract for XXXX XXXX XXXX to pick my boat up on XXXX I provided pictures of the boat and a description ( year, make, model ) XXXX told me that they would do everything needed to get the boat transported to me. XXXXXXXX XXXX  showed up with a insuffient truck/trailer and were unable to move the boat because they didnt want to remove the radar arch, even after XXXX assured me their movers could do it as they are in the business of moving boats. After more then a week of excuses as to why he couldnt get my boat moved, I have multiple text messages from him as evidence which can be provided upon request, I hired another company ( I have the invoice ) to move the boat in a timely manner. That company picked the boat up on XXXX. As per the document I signed with XXXX XXXX I am entitled to a refund because they never scheduled a date, please see attached " confimationorder ( 1 ) '' " Deposit is refundable if for whatever reason said customer chooses to cancel the shipment of their vehicle BEFORE they are scheduled with a carrier '' I disputed the charge on XXXX on XXXX AND XXXX Bestbuy Citibank sent me letters saying the dispute was decided in my favor then on XXXX they rebilled my credit card for the {$1200.00} and I am unable to dispute this charge again.

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
Consumer complaint received 2023-08-10
Company: WELLS FARGO & COMPANY
State: FL
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 existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2022-12-23
Company: EQUIFAX, 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 called XXXXEquifax after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Names : Addresses : Accounts : And inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus ( " DATE OF PREVIOUS LETTER '' ). I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
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:
I've tried numerous times to pay on my student loan and have been sent back everytime that they successfully took payment, but days later there is a reversal in payment. 
I paid consistently on this loan before 2020 and now they are having reversal. 
I've emailed to them on XX/XX/XXXX and was supposed to hear back by XX/XX/XXXX. 
I'm very frustrated with trying to repay my student loan with Aidvantage. I've seen numerous stories from others concerned with them and there reversal practice. 
It appears they just want to dial up interest on loans by denying repayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have been getting constantly harassed and today it's peaked to 6 calls with some pretending to be fake employers or party goers. I have all this documented. The extent they are still going to do to me after I said many times to " XXXX XXXX and stop harassing me '' multiple times and excuse the language. 
It's driving me insane They would curse at me and constantly ask who is this or is this XXXX XXXX. They record me, i already have mine running and let them know. 

I literally saved 5 numbers just today that you can see patterns in their fake proxy numbers such as area codes. I got three texts from made up people that I called and they were made up. Id ask what their first and last name is. Today they went over overboard trying a new way to harass via pretending to be employers. 

I got screenshots of their texts and aliases used such as : XXXX ( XXXX XXXX  ), XXXX XXXX but signed as Nohely ( XXXX XXXX  ), and the best one, i also called and confirmed is first name and last name XXXX ( AT XXXX ). I called after I got up. They told me it's XXXX, first and last name. I hung up. 

Many of the fake numbers used you can XXXX where people confirm it's debt collector online. 

I believe the criminals are LVNV funding. I live in Florida where state law protects citizens from harassment such as I am going through. It's psychological damaging and I been diagnosed with XXXX and XXXX XXXX. Help stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/XXXX I transferred a balance of {$5000.00} to my Chase Rapid Rewards Credit Card. The balance was to have no interest until XX/XX/XXXX. I was also charged a {$200.00} fee for the transfer. 

In XX/XX/XXXX I went to pay my credit card bill and noticed that my Interest Saver Balance was {$7000.00} and Card balance was {$9000.00}. This was odd as at least {$5000.00} should not be accruing interest.

I called Chase and they said that they had applied to my last month 's payment to the 0 % interest portion of the balance, and always apply payments to the lowest interest balance, so the other charges I had made that month were accruing interest and in order to pay them off before interest was accrued I would have to pay them off first.

This is against the Consumer Protection Act, as higher balances should always be paid first.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: PENTAGON FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
penfed closed my account and wont give me my money back for a fraudulent check written they said no error was found here is the issue i never ordered checks from penfed and they know this and i can prove it, they lied and will not provide how they found the error, im requesting a handwriting sample of proof its mine, XXXX i live in XXXX utah and not nevada, ftc report was filed due to identity theft. PENFED IS A 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
Consumer complaint received 2020-03-11
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom this may Concern, I am writing in to file a formal complaint against National Credit Adjusters. 
Amount : {$2900.00} Delinquency first reported : XX/XX/XXXX Debt buyer account This debt collections adjuster did not send me notification of alleged debt and when I researched who the collection could be for, I do know that this debt has exceeded the statue of limitations for the following states : Georgia, Kansas & Virginia. 

I also sent a debt verification request via certified mail requesting that they verify the debt on XX/XX/XXXX asking the debt collector to please send me a response within 15-30 business days. I have yet to receive a response. The Debt collector did how ever close the account on my credit profiles marking it paid off, however, that was not my request because I did not a will not pay them anything for an entry that should not have been placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Resurgent Capital Services L.P.
State: OH
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:
Company LVNV Funding LLC reports a XXXX XXXX XXXX account open on XX/XX/2023 that I didn't open.

Company response to consumer: Closed with explanation