BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-01
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Please confirm the information shown in this collection account. The unverified account, FINANCIAL CREDIT NETWO ( XXXX XXXX XXXX  ) XXXX, is still reporting on my credit report in violation of Federal Law. This account was already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation. If unable to, remove this account immediately.

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 2021-02-24
Company: Conn's, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent in numerous dispute letters and validation letters to XXXX XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX, XXXX does NOT investigate Conns Credit corp. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX letter stating that the account was verified. I then send in a letter to see how the information was verified and I never receive a response back. The law states that the consumer has the right to request validation. 
The Fair Credit Reporting Act 15 U.S.C 1681 is the written law and XXXX XXXXXXXX XXXX, XXXX is breaking the law by not abiding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the MIDLAND CRED ( Original Creditor : 01 XXXX XXXX ) still remains on my credit report in violation of Federal Law. The Credit Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: M&T BANK CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened an account with M & T using a code to receive a cash bonus if I direct deposited to the account, completed the XXXX direct deposit on XX/XX/XXXX. Never received the cash bonus. Since this time, my account has been locked due to " fraud '' with no explanation given. They requested my social security card and a recent credit card or bill statement sent in to them at email address : XXXX. Sent in this information XX/XX/XXXX, was advised account would be unlocked within 24 hours so that I could withdrawal my money and close my account. My accounts are still locked and M & T is unwilling to cooperate or unlock my account. Also charged XXXX for 7 months just for having an account with them, that I was unable to withdrawal from.

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 2018-04-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a collection account on my credit report from XXXX XXXX   XXXX XXXX, XXXX. 
Please be advised that I'm disputing this collection due to the fact I have no contract with them and Portfolio Recovery does not have a valid license to collect debt in the State of North Carolina according to North Carolina financial regulations. I am requesting that you delete this account from my credit reports or provide me physical proof that they are licensed to collect debt in North Carolina

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I contacted Equifax via USPS Certified mail to request a investigation into 1 account from XXXX XXXX, that was incorrect on my credit report. I never received a response from the company even though they received my dispute on XX/XX/2020 via certified mail tracking receipt. I contacted Equifax a second time via USPS Certified mail on XX/XX/2020, to notify them that they failed to comply with my request within the allowable timeframe and to please remove this false account. They received this request on XX/XX/2020 via certified mail tracking receipt and they have not honored my request to remove the account they failed to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Due to XXXX XXXX XXXX closing all their US locations, a loan forgiveness was supposed to be eligible for students. When I called Navient to discuss this I was told that my type of loan was not eligible but other loans were. However, they were not clear on what type of loan I had. Furthermore, I submitted an application to have my co-signer removed but was denied. I have paid thousands of dollars to them but I dont qualify to have my co-signer removed. Very upsetting!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: BARCLAYS BANK DELAWARE
State: UT
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:
Barclays Bank Delaware is reporting a debt I no longer owe. This is paid off and it is past the statute in NC and I would like for this to be removed off of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have a American express prepaid gift card and the same day I got the card the card was used. I tried working with the company that made the charge and go no where. Then I tried to work with American Express and they wont help me even tho theres a police case. Every other gift card company like XXXX and XXXX offer help to get your money back but American express do n't care about you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Experian Information Solutions Inc.
State: UT
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 XXXX XXXX is reporting a debt I no longer owe. This is paid off and it is past the statute in NC and I would like for this to be removed off of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I've requested a refund of overdraft fees totaling {$610.00}, was denied, these fees stem from accounts that were opened as a result of high pressure sales tactics by Wells Fargo reps to open accounts I did not need or want. The amount I request includes prior payments received in the amounts of {$50.00}, {$120.00} as well as {$85.00}, these amounts were sent as remedy at the time, do not cover total fees. Prior complaints were made, not resolved, a mediation request also sent in ... XXXX XXXX contacted me in regard to mediation request, a settlement amount was offered and agreed upon, however, no payment received to date. Again, I request a refund of remaining fees which total {$610.00}, a copy of statements reflecting this amount was provided in prior complaints, Wells Fargo can refer back to these if need be. Failing resolution in form of refund, an attorney will be forwarded my statements showing Wells Fargo uses such tactics as posting items highest to lowest in order to charge overdraft fees, other tactics as well.

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 2020-05-21
Company: Cumulus Funding LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For more than a year, I have been trying to resolve the 30-day late payment that appeared on my XXXX  credit report from Cumulus Funding for the month of XX/XX/XXXX. After making numerous contacts to resolve, I discovered that, the error was due to a late payment that they agreed to correct while being under doctors care. This occurred during the months of XX/XX/XXXX thru XX/XX/XXXX. After being assured that all would be taken care of, Cumulus Funding instead reported late to XXXX. I was advised that, they had no control and refused to honor their promise to remove. I was then advised it was up to me to dispute with XXXX  and I did just that. I have written countless dispute letters for more than a year and no removal. I explained that out of good faith, I called and advised of my situation and they did not hold to the agreement. I have been trying to clear this matter for over a year with XXXX  and Cumulus Funding directly. I appreciate any assistance you can provide in clearing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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 asked Experian why if my student loans are in good standing that debt to ratio goes up. I am in a work program that allows me to not pay because I work in a nonprofit but when my student loan reports it shows my interest rate which causes my debt to ration to go up. 

After asking this question and getting an answer my score drop with Experian XXXX points and it should have not. 

I have an attorney looking into a class action suit on credit reporting. I should not have my score impacted for a dispute question.

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 2021-11-28
Company: Eastern Account Systems of Connecticut, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Eastern Account system is saying I owe them for an unpaid cable bill. I never had a cable bill, so this has to be a case of identity theft

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I opened a XXXX Bank card. In XX/XX/XXXX I paid this card off and it was sent to collections anyway. XXXX XXXXResurgent bought the debt and has put negative information on my credit report. I have reached out to this company to prove the debt was paid ; however, they will not respond. They say the balance is {$2600.00} and opened in XX/XX/XXXX but I have proof I paid {$7900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I submitted an written dispute to Experian regarding multiple accounts that are reporting as inaccurate on my credit report. The following accounts are as follows : XXXX XXXX : Currently reporting incorrectly as 14 charge-offs, with an balance of {$5700.00}, which is inaccurate balance. I have asked them to conduct an proper investigation to question the validity, and on XX/XX/XXXX, i received the results line as verified. There is also 3 more accounts that has continued to report as verified, and they are as follows : XXXX Now- Reporting as a charge-off with an amount of {$2000.00}. This is not reporting 100 % accurate. Experian has declined to provide me with their method of verification. 
XXXX XXXX XXXX services : Balance- $ XXXX This company continues to report an inaccurate information on my credit file, and XXXX XXXX has also failed to provide proper validation upon written request. Experian also continues to report as accurate and has declined to provide me with method of verifying that the account is 100 % accurate. 

XXXX/XXXX : Balance : $ XXXX Continues to report inaccurate information as 2 accounts that are charged off. Experian continues to report as verified and has not conducted a proper investigation into the maximum accuracy of this account. I also submitted an letter on XX/XX/XXXX, exercising my rights under the FCRA, asking Experian to provide me with the original contracts and methods used to verify that the information that they are reporting is 100 % accurate On XX/XX/XXXX, I received an online notification that an multiple account disputes were open. On XX/XX/XXXX, i received a letter stating that the information was verified, and that these accounts will continue to report as accurate.

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 2020-07-05
Company: FC HoldCo LLC
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I received a hard credit pull on my credit report by the company Flagship Credit Acceptance. I never gave my consent for this to happen. I tried to call the company, but could not get through to them over the phone. When calling, they do not give an option to speak to a representative without providing an account number, which I do not have with that company.

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 2023-02-07
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Agency is trying to collect on a debt that I have denied and disputed and they will not remove or stop activities! Also they did not state on credit report that this was being disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: JPMORGAN CHASE & CO.
State: OH
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:
Someone Used my account and deposited checks in my account. I tried to contact Chase multiple times over the years to resolve this matter. I told them that someone stole my information and used my information and withdrew {$200.00} after depositing the checks. Chase have not resolved this after 3 years and it still is reporting on my name and the account is charged off. The transaction happened on XX/XX/XXXX. I sent the information to them back in XX/XX/XXXX and they still have not resolved this matter nor responded. It was a chase liquid account and the account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Fraudulent Charges Bank of America After some consideration, I request that my ATM Debit charges are removed from the following bank and checking accounts. 
Amount - {$250.00} Please do not send a replacement card. 

XXXX Please remove the said account and closed the debt that is in question as the debit was reported stolen and lost. 

Amount - {$100.00} Please do not send a replacement card. 

XXXX Bank Please note that the accounts in question are closed and noted to be overdrawn. Please remove the account from the credit check. 

Amount - {$110.00}, - {$180.00} Please do not send a replacement card.

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 2020-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have paid down these accounts XXXX I have disputed all of them on XXXX, capital one has updated, but did not reflect on the other two credit bureaus. 

Capital one reported balance is XXXX actual balance is XXXX XXXX reported balance is XXXX actual balance is XXXX XXXX reported balance is XXXX actual balance is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
transunion has a web site failure for my acct. i want this to be fixed, also the data is way too old to be posted.i want this situation to be fixed.

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 2021-11-01
Company: EQUIFAX, INC.
State: NV
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : 1. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had defaulted on my Citibank loan. I had discussed this with them, settlement made, debt paid.

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 2020-07-04
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debit was presented on my credit file towards the end of XXXX. There was no previous record of this credit debit prior to this timeframe, although the origination and date of service reflects XX/XX/XXXX. The bill comes with various Doctor 's names from XXXX XXXX to now showing as a XXXX XXXX. 
The amount originally shows as {$1500.00}, {$240.00} and now is showing with the same debit collector as XXXX and {$250.00}, respectively. I spoke with a XXXX in XXXX of XXXX when I initially disputed the amounts owed. I requested verification of the debit, from the original Creditor, no such information was found or provided. 
I disputed the transactions again, XXXX. I was provided with an address : XXXX XXXX XXXX XXXX, SC XXXX and to address the dispute as Medical. I spoke with XXXX who stated I would receive correspondence via email regarding the initiation of my dispute. Again, this did not take place nor was the information I submitted disputing the charge was addressed. The Credit continues to XXXX my credit score as it continues to report the debit as delinquent. 
These medical bills are the only debits remaining on my credit that magically appeared only in XXXX. All other outstanding debits have been resolved/ paid. This is fraudulent and the reporting agency-DRS is propagating fraudulent activities.

Company response to consumer: Closed with explanation