BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-09
Company: FAIR COLLECTIONS & OUTSOURCING, 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: Account status incorrect

Complaint:
I called the XXXX collection agency about a collection that was on my report I advised them that this account should not be in collections because I was on XXXX XXXX and had got orders to move and had to leave my apartment I did give the apartment a copy of my move orders but they still sent me to collections with out telling me what it was for I asked about disputing it and basically was told it was on my credit report and I would need to pay it it I asked about my options and was told I could make a payment, I was advised that I could settle the account or pay in full the difference was if I settled it would show settled for less on my credit report and if I paid in full then it would be deleted, I went online on XX/XX/2020 and paid the balance in full. the account is still on my credit report as of today and I called on XX/XX/2020 and spoke with a manger and he said he would get back to me and never did and he did not correct the account, I payed the balance in full because of the deletion agreement he said once the payment cleared the account would be removed in 30 days

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 2018-11-25
Company: National Credit Systems,Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I submitted a settlement offer to the company with terms as a contract that stated if they accepted and cash the check that was enclosed with the offer they would remove the negative item form both my husband and my credit reports with all three reporting agencies. The offer was accepted and the check has been cashed and the account has been paid but it is still showing negative on my husbands credit report. I sent the contract to them and it was dated for XX/XX/2018 with check enclosed for the amount of {$27.00} that was cashed on XX/XX/2018..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: PARSON BISHOP SERVICES, INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have lived in the House XXXX XXXX XXXX XXXX House from XXXX Fall to Spring XXXX for my fist year at the University XXXX XXXX. The XXXX is attempting to charge me almost {$2800.00} USD for unknown reasons and they kept my deposit that was about {$570.00} USD. 
When I contacted them for proof of the the charge via email, they sent me false invoices that clearly looked made up or sent a screenshot of cart. I can provide these emails to you or forward the emails. I have tried to dispute this charge many times with the XXXX but they sent me to collections and I have no money to pay a debt I do not owe of almost {$280.00}. I am not the only one in this situation, about 50 other guys that were in the XXXX were charged either the same amount as me or almost {$1000.00XXXX XXXX  We have a XXXX group and all of the guys have sent a picture of the invoice from the collection. 
The only way the collection agency was able to get my personal information was because I signed a lease for another year which would have been Fall XXXX to Spring XXXX but did not end up happening and got terminated. I also have a official document signed that I am not affiliated with XXXX XXXX XXXX and have no responsibilities with them since they tried charging me for a ridiculous amount of money. I am also a student going to California XXXX XXXX Pursuing a degree in XXXX XXXX and working full-time, in my history of credit and monthly payments have always been on good standing. I attempted to dispute this charge on XXXX but they were not able to get rid of this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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 victim of identity theft/fraud. I originally notified XXXX  on XX/XX/2019 of a Capital One account that was opened fraudulently in my name. I provided all required documentation including my Proof of Identity and social security card, FTC report and the 605B Notice to Furnishers so that the account can be BLOCKED per my rights given when notifying a furnisher that I am a victim of identity theft. Since XX/XX/XXXX, XXXX  has re-inserted this fraudulent account TWICE. The first time was on XXXX and the second time was on XXXX. On BOTH occasions I called into XXXX  and the reps I speak with LIE and COMPLETELY DISREGARD THE LAW. Today on the phone the XXXX  rep had the nerve to tell me that in lieu of my call she sent a notice to Capital One informing them of my dispute ( even though I have written them twice and never received a response ). 
I told her that is NOT a solution and asked her to confirm she will be BLOCKING the account, and at that time she said they could not remove the account until they hear back from Capital One. 
She could not confirm that Capital One provided the appropriate documentation to support their request to rescind/re-report the fraudulent account. This documentation is all what is clearly stated to be required under FCRA 605B. 
Specifically, the CRA can only reinsert information blocked as a result of an identity theft affidavit if one or more of the conditions set forth under FCRA 605B ( c ) ( 1 ) are present.

Notice of the rescission of a block is then required to be provided to the consumer in the same manner as is required when information that was previously deleted from a consumer 's credit report after a prior dispute is reinserted, using the notice requirement set forth under FCRA 611 ( a ) ( 5 ) ( B ).
When I asked the experian rep to confirm that she could in fact see that I submitted all of MY required documentation back in XXXX of XXXX   and that they have already blocked and reinserted this account once before and here we are AGAIN. She CONFIRMED that she saw the FTC report and when I followed up asking her to confirm WHAT EXACTLY WERE THEY PROVIDED BY CAPITAL ONE THAT WOULD LEAD THEM INTO THEIR DECISION TO RESCIND THE BLOCKED ACCOUNT, she just stayed quiet and said NOTHING!! She then transferred me to her boss XXXX and I got nothing but his voicemail. I am sick and tired of Experian breaking the law. If they do not fix this mess and BLOCK this account ONCE AND FOR ALL I WILL FILE SUIT AGAINST THEM and seek all damages available to me by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2021-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FINAL WARNING BEFORE FEDERAL LAWSUIT. I have sent in my TransUnion Assisted Identity theft affidavit, along with my notarized intent to sue attached below. I do not give TransUnion consent to furnish fraudulent items on my consumer report and no consent is identity theft, also, TransUnion has violated 15 U.S. Code 1681b ( a ) ( 2 ) : ( 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.

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 2021-11-30
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

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 2018-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Hi, In XXXX I applied for a Bank of America XXXX XXXX credit card. I got rejected ( I have the letters to prove it ) and forgot about it. I received some mail and email form BOA that was promotional and feedback on the application process. However, I went to check my credit score and it turns our BOA had opened that account for me and is trying to charge me {$75.00} ( the annual fee for the card ). I don't have the card, an account number, username, or any other info to even close the account. I've reached out to BOA but have not 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 2021-10-23
Company: Nelnet, Inc.
State: FL
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:
XXXX is reporting a 90 day late payment in XX/XX/XXXX. My student loans were and have been in income based payments during the time with a payment of {$0.00}. To make matters worse, although XXXX accepts payment as one loan, it is reported as 5 different loans, therefore all 5 show late payments. I have requested that they remove the reporting of the late payment ( since I can not possibly be late on a {$0.00} payment ) to no avail. 

I have also disputed the information with the credit reporting agencies without success. 

Interestingly, Nelnet has mailed information to an address that I lived at from XXXX  XXXX-XXXX  XXXX  in Michigan. I did not give them the address and I did not even attend college until XXXX. I have not lived in Michigan since XX/XX/XXXX, nor provided that address to any company or individual since that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: DISCOVER BANK
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have contacted Discover Card regarding my account on several occasions, either by phone or by email. The last two email regarding this issue was on XX/XX/2019 ( reference # XXXX ) and XX/XX/2019 ( reference # XXXX ). 

The issue is that my account had originally been locked while I was enrolled in a payment plan. I could not afford the payments at the time and they helped by reducing my interest rate to 9.99 %, which lowered my payment. The stipulation was that my account had to be locked, which I was 100 % fine with since they were helping me. 

The problem is when my payment plan expired, my account remained locked but my interest rate jumped back to 19.99 %. As of this filing, my account continues to be locked and my card unusable - but I'm paying on an interest rate that is applied on the presumption that the card is usable. As of this email, I can not use the card and Discover will not unlock it. 

My money is going to nothing that I can use! I'm paying over {$300.00} towards a balance that I can not use if I had an emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In XXXX, we worked out a payment plan of {$60.00} for 60 months, with a 0 % interest rate. 

I've made those payments on time, according to the agreement, however XXXX XXXX   has supplied incorrect information to all 3 Credit Bureaus, and when I've called to talk about it, I am told it has been corrected. 

As of my XX/XX/XXXX credit report, it has not. Disputes have been filed but this needs to be fixed now. 

I've done exactly what they've asked for.

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 2018-01-31
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX account closed on XX/XX/XXXX is being reported as late despite a clear mistake on XXXX part, I have never submitted a late payment to them. I paid the last invoice as soon as I became aware that there is a balance due. After successfully disputing it with XXXX they retaliated by reporting it late to XXXX  and XXXX. 
I reached out to them on XX/XX/XXXX and they assured me that they'll update the account as paid on time. I then reached out again on XX/XX/XXXX and was assured that it was submitted. When the report wasn't updated I called back on XX/XX/XXXX and was told that it can not be done. After being told that a supervisor is not available I requested a call and received a call from XXXX on XX/XX/XXXX. He left his phone number where to call back. I tried calling that phone number several times but was unable to get through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-23
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX is reporting a 90 day late payment in XX/XX/XXXX. My student loans were and have been in income based payments during the time with a payment of {$0.00}. To make matters worse, although XXXX accepts payment as one loan, it is reported as 5 different loans, therefore all 5 show late payments. I have requested that they remove the reporting of the late payment ( since I can not possibly be late on a {$0.00} payment ) to no avail. 

I have also disputed the information with the credit reporting agencies without success. 

Interestingly, XXXX has mailed information to an address that I lived at from XXXX XXXX XXXX in Michigan. I did not give them the address and I did not even attend college until XXXX. I have not lived in Michigan since XX/XX/XXXX, nor provided that address to any company or individual since that time.

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 2020-11-09
Company: EQUIFAX, INC.
State: TN
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 am writing to delete the following information in my file. The items I need deleted are listed in the report.a derogatory mark on my credit report per XXXX  XXXX, XXXX Upon further research, this account was transferred/ sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written form of communication, contract for this accused debt at all or signature for this does not validate the debt and anybody can be sent a bill and say its mine. According to the FCRA, XXXX. XXXX  has violated my rights as a consumer and I'm requisitioning legal action to remove this account immediately. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Beginning XX/XX/XXXX, I was applying for an IDR or IBR plan. They repeatedly rejected this option, even though with the combined income of my husband and I, we made approximately 45,000 for that year and with both of our loans combined we owe over 30,000. Beginning XX/XX/XXXX, I was receiving emails stating to reply Yes to forbear payments. I replied yes to every email received, sometimes three time in the same week. Nothing was done. They are now requesting payment to the tune of $ XXXX/month, when it is clear they have ignored my requests and they are aware, based on the IDR application, that this amount is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Since XXXX I have not been able to have access my unemployment benefits for alabama unemployment. I filed my claim in XXXX and have been receiving benefits since XXXX with no problem out of nowhere my card locks and has been suspended according to customer service and I have tried three times to speak with somebody higher than customer service and tier 2 to resolve this issue and unsuspend my benefit card to access my monthly benefits every week I certify my week and it's processed to their card and has been since XXXX when I stopped being able to access it according to customer service I needed to do an identity verification one time out of the three times I've been able to speak with somebody a woman gave me a long fax number I've got two documents or three documents needed which I mailed them because I couldn't figure out how to do the facts so I did the other way she said which was my back and front driver 's license and a copy of my social security card and a tax return prove my social security number they claim they never received it's now been months several months as I still claim my weeks with no way to access my funds and nobody to tell me nothing cuz when I call back now I can't even get anybody to tell me exactly the address or fax number of where to verify that I sent it correctly since they say they never received it please help me to get my benefits back in order and unsuspend my prepaid card account this is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent out a dispute letter on XX/XX/20 regarding unauthorized inquiries on my account. I have not received any correspondence, nor have these items been removed.

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 2020-11-09
Company: Total Card, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I never paid my account late yet the credit card company has me down for making my payment late XX/XX/2020. I went online and made my payment and the system gave me a confirmation that the payment was made yet the company is trying to say that the payment didn't post to my account causing a late payment. It is not my fault if their system was having problems that isn't fair to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Holloway Credit Solutions
State: AL
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:
EX SPOUSE WORKS FOR PROFESSIONAL COLLECTIONS AND HAS IN THE PAST VOWED TO " RUIN '' MY CREDIT PLEASE TAKE THIS INTO CONSIDERATION WHEN REVIEWING THESE DISPUTES I HAVE BEEN TRYING TO GET THESE MEDICAL BILLS AND FRAUDULENT ACCOUNTS UNDER CONTROL FOR OVER A YEAR NOW

Company response to consumer: Closed with explanation