BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I have a few accounts that I do not recognize on my credit report. I would like them to be re-investigated. My name is XXXX XXXX and not the XXXX XXXX XXXX either. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX Please delete the following account : 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 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 2018-05-24
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am submitting a complaint against the collection company " XXXX XXXX XXXX , XXXX '' Since XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been incorrectly trying to collect a fictious business tax that I do not owe via Allianceone Receivables. Despite my CPA following up with Allianceone with a dispute package detailing the circumstances in great length, going so far as to get the documents notarized, I am still receiving letters saying that I owe this tax with increasing interest, when in fact, I never owed the tax to begin with. 
The last letter I received regarding this tax was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: ADIR INTERNATIONAL 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: Account status incorrect

Complaint:
Company has placed incorrect info on XXXX Credit Report for XXXX XXXX as late. Late appears on XXXX   credit report twice as late for XXXX for same date i.e. XXXX XXXX. Filed Dispute with company and with XXXX  XXXX XXXX. Visited company Twice on Sunday XX/XX/XXXX and again on Monday XX/XX/XXXX.Spoke with Representative and agency indicated my account is not pass due for the month of XX/XX/XXXX. After several visits and phone conversations no positive results or correction or corrective action taken to Account. Filed a dispute with company XX/XX/XXXX and was told investigation into matter will be taken and I will receive phone call with results, but no call or results for more than 20-days.I was told I would be contacted at a later date and billing statement would be sent out within 30 to 45 day 's. Billing statement was sent out but mail was returned for bad address reported by company on XX/XX/XXXX. Late charge on report indicates after a attempt was made by mail for billing. Address is valid and has not changed. Called company for follow upon billing and company indicated some information for billing is or was wrong and placed by company. All attempts on my part as consumer has been exhausted and no other options but to file consumer complaint. Information for billing is still incorrect in system and I have made every attempt to correct this with company.

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 2018-06-16
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/2018, I opened a checking account and a savings account at PNC Bank on XXXX XXXX. in XXXX XXXX section of XXXX, PA. I deposited 2 checks from my former employer drawn from their XXXX XXXX XXXX business account. My former employer is a nationwide company with more than 10, 000 employees. 

XXXX XXXX was the banking professional who open my accounts. I informed XXXX XXXX that I will need to have access to at least {$100.00} that day or I will need to explore other options. XXXX XXXX assured me that I would have access to at least {$100.00} by XXXX that night. At XXXX that night I did not have access to any funds that I deposited. Also, I did not have access to the online banking system as a result of not receiving adequate information regarding the " User ID Link ''. Which is a substitute for the Customer 's SS Number. 
The next morning, Thursday, XX/XX/XXXX, I contacted the Help Desk and I was informed of some special code to use which was not in my documents. I then called XXXX XXXX and he informed me that I had {$200.00} available in my checking account and {$200.00} available in my savings account. I verified this information by checking the online banking system. In that moment I attempted to pay my cell phone bill and the payment was declined. I then called the customer service were I was met with the worst customer service I've ever experienced. I was told that a hold was placed on my accounts. I informed them of the information the branch and the online banking was reporting. So in a matter of 15 minutes I went from having access to {$400.00} of the more than {$18000.00} I deposited to having access to {$0.00}. Also the hold time went from 5 to 7 days to now I will have access to my funds on XX/XX/XXXX after I informed the bank that I will be closing my account. The manner in which the access and holds were escalated appear to be retaliatory in nature.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-11
Company: CB1, Inc.
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I reject Transworld System Inc and their response. The bill they attached shows a date of XX/XX/XXXX. Transworld Systems Inc was on my credit report PRIOR to this bill. My bankruptcy was filed in XXXX of XXXX PRIOR to the date on this bill. Transworld Systems INC was included in the Chapter XXXX bankruptcy XXXX. Transworld Systems INC was included in my creditor matrix and is violating my rights under bankruptcy protection laws. THEY WERE ON MY XXXX XXXX. XXXX XXXX XXXX was also included in my creditor matrix and their debt was discharged in my chapter XXXX bankruptcy. I had to file several complaints against first choice power for having my service mixed up with someone else. XXXX XXXX XXXX was billing me for an XXXX  for another address. I spoke with the office of the President for XXXX XXXX XXXX and I do NOT owe XXXX XXXX XXXX. My XXXX  complaint # s are as follows : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I also spoke to the XXXX XXXX XXXX XXXX of the President with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: ENCORE CAPITAL GROUP INC.
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax & XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax & XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine. In addition to child support they are also reporting XXXX XXXX/XXXX  XXXX XXXX and XXXX XXXX & XXXX invalidly I have no contract with these creditors, these accounts are unverified and not mine so are reporting invaliding as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Atlantic Recovery Solutions LLC
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
These people call me trying to collect from someone named XXXX XXXX. Apparantly she had my number before the cable company gave it to me. 
I Have asked them repeatedly to put me on a do not call list and they assure me that they've done that yet I still get calls at least three times a week and usually from someone with a really poor attitude.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
ON XX/XX/2018 I submitted a CFPB complaint asking that Santander provide me a copy of all three pages of my note showing where I accepted a Daily Simple Interest loan. Twice I have called the company and requested all three pages of my note ( which would include the term and conditions ) so I can review and feel comfortable that they had the right to charge DSI rate which extended my maturity date 8 months due to deferred payments and another 14 months due to having a balance at the end of my term of {$6000.00}. I have attached my original request and their response. In reviewing their response I still do not see where I signed for a DSI loan. That is all I asking for is proof that this is what I agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: DISCOVER BANK
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Discovery is going through with their threats ; I go to court at the XXXX XXXX XXXX XXXX XXXX, MI court on XXXX XXXX 2017 at XXXX in front of Judge XXXX XXXX , To put me in jail and take my home for not paying them for Discover transferring monies from my account to accounts in their cyber space!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
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:
This is a direct confirmation that I have tried for a number of times to find a resolution with this company in regards to fraudulently charged account they are reporting but to my surpeise this company still insist on reporting these accounts even after providing detailed proof that I am a VICTIM OF IDENTITY FRAUD and DID NOT BENEFIT with anything whatsoever from the charges in these accounts. 

XXXX/XXXX, Account # XXXX, Date Opened XX/XX/XXXXYou are even duplicating this account on my report, which is completely affecting my credit score. Please delete these Duplicate fraudulent accounts asap! 
XXXX XXXX-XXXX, Account # XXXX, Date Opened XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX . This account is fraudulent, I still wonder why are you reporting, contrary to that law that state : Fraudulent accounts to be removed within 4 days from receiving a proof. PLEASE DELETE ASAP This is my final intent to resolve since I have all the documents ready to file a lawsuit against this company. I first disputed this fraudulent account with them on XXXX but to my surprise, they responded by even duplicating some of the accounts and Affecting my credit score even higher than before my dispute. 

Yet another final time before the court of law, The following accounts are Fraudulent and require removal from my report : I am attaching : 1. My earlier Dispute letter to them at XXXX 2. mY FTC report 3. My small claims form in case they fail to remove these fraudulent accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-21
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I found out that Diversified Consultants, the 3rd debt collector attempting to collect an invalid debt for XXXX, now had the debt because it was reported to XXXX. A notice of the report was given to me by a credit monitoring agency that I utilize. At no time before reporting to the credit agency had I received any communication from Diversified Consultants, including the 30-day dispute notice. The notice was not sent to me until I called Diversified Consultants and notified them that they erroneously reported the debt, which is not a valid debt and has been repeatedly disputed, before sending a 30-day notice. This practice is highly unethical and validates my consumer rights. Additionally, I disputed the initial report to the credit agency which was removed immediately and replaced with another report that notes that it is contested by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-11
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As of XX/XX/2019, my XXXX  credit report shows a debt collection from Midwest Recovery Systems in the amount of {$890.00}. I do not know what this is for. I've not been notified via phone call or mail that I owe this amount and to whom. My credit score has dropped significantly due to this erroneous data.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I closed on a loan with LoanCare XX/XX/XXXX but they continued to report to the credit bureaus that payments were late and the account was over 150 days delinquent. Incorrectly reported information for XX/XX/XXXX through XX/XX/XXXX. The account was paid in full from the sell of the property XX/XX/XXXX. I have attempted to contact the lender at the phone number reported on the credit bureaus however they say theres no record of an account with me in their system.

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 2018-02-24
Company: EQUIFAX, INC.
State: NJ
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 had Two morgage back started in XXXX, in year XXXX we had issue in employment lost and burgary in house as a result we filed the application with XXXX  XXXX XXXX and received approval for six month payment hold however XXXX  XXXX XXXX reported the late payment and delay of 60 days and can't correct in all three credit bureau after send all paper work as a result we were able to correct in one or two credit report directly with credit report however we received denied credit due to issue not corrected by XXXX  XXXX XXXX and still face same issue just recently XXXX XXXX denied the store credit card due to this. 
In the past we lost one of case in court and received the judgement, XXXX XXXX XXXX paid the judgement directly from my checking account however never updated credit filed as a result we have to purchase 6.5 % interest loan as of today even if primary loan is now 3.5 but secondary load is still 6.5 % which bank never consolidated and it was keep do enquiry on the account. Many of our credit card credit limit from {$25000.00} to {$500.00}, we never carry any balance more than months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Navient Solutions, LLC.
State: TX
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 have never applied for or taken a private student loan. 
Navient has 11 of my FFEL student loans. They are claiming they are private loans. They refuses all my requests for repayment options, forbearance, and deferments. I've shown them several times these are federal loans that appear in the NSLDS. They refuse to listen. 

I need help with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: LOAN TO LEARN
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:
Private Student Loan Account has been disputed with XXXX Credit Bureau. It continues to update monthly showing as over 120 days late. The Loan was originally with Loan to Learn. The account was included in a bankruptcy and is not backed by the government. Each time I dispute the information and submit proof from my Bankruptcy it shows that it was verified with the lender. When I called XXXX  to get the contact information for the company the number I was given was XXXX. That number is no longer in service. The website for Loan to Learn only has a mailing address and email. I have written both with no response. The other two credit bureaus : XXXX and XXXX both show that the account is closed and was listed in the Bankruptcy. 
This has been disputed 4 times. XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, and again today XX/XX/2018. I have no options to speak with some one to clear up this account one way or another.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: EQUIFAX, INC.
State: IA
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 disputed a debt to XXXX XXXX XXXX  regarding a XXXX cell phone bill. I explained that I was part of an ongoing billing dispute that was being reviewed by XXXX 's corporate office for 1.5 years. Eventually, the company issued a credit of over {$700.00} to me in XX/XX/2017 but that did not fix the ongoing problem. XXXX reassured me that they would issue the credit to my account. However, I received notice that the bill was sent to a collection agency. I called XXXX who issued an additional credit and told me that they would remove the account from collections. We reached a billing agreement and I paid the difference after they issued the final credit. The payment confirmation number is XXXX had a representative from XXXX call the collection office with me to explain that my account should not have been sent to collections but the collection agency refused to speak with the XXXX representative XXXX The account was removed from my credit report but have recently reappeared. If this matter is not resolved I am going to seek legal counsel to assist me. I am in the process of applying for a mortgage and I am unable to because this keeps reappearing on my report. I feel like my rights have been compromised.

Company response to consumer: Closed with explanation