BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On or about XXXX I did open a credit account with XXXX XXXX XXXX and the credit limit was around about {$500.00} I did maintain this account up until XXXX, XXXX where as because of hardship I was unable to pay a minimum payment so a little over one year later because of my non payment I became delinquency on or about XX/XX/XXXX this debut is suppose to be removed last year but has not been the company that is re aging this debut is named Portfolio Recovery Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The report contains inaccurate information and company failed to provide the information I requested. XXXX experienced a major data breach which means everything on my consumer credit report was breached. Please remove these items from my XXXX report due to inconsistent and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Sarma
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Sarma Collection has called me dozens of times over the last few month over an alleged debt. One rep, XXXX XXXX has left multiple messages which I have log of. On XXXX XXXX XXXX called my brother, XXXX XXXX on his cell XXXX asking if he knew me and mywhereabouts. XXXX XXXX has all my contact information having called my phone multiple times and has no reason to call my brother, XXXX XXXX XXXX XXXX' and XXXX XXXX negligently failed to comply with its obligations under the Fair Debt Collection Practices Act ( FDCPA ). HE has my phone number and I choose not to speak with him or his company. That does not give him the right to call my relatives

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: ACS Education Services
State: GA
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:
I graduated college in 1996. I have been paying on my loan since then but when I ask for back loan history of payments no one can provide me with this information. 
At graduation I owed XXXX. Its now 20 years later and I owe XXXX. How is this possible? I have paid off two cars and a house in this time frame. Every avenue I go down is a dead end of government XXXX. I know I have been paying on this loan b/c it comes out of my checking account automatically. 
I would like to know how I can see my entire loan payment history starting from 1996.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX, I initiated a payment from my XXXX checking account to pay my Chase credit card. I had recently made a large purchase on my XXXX account, and had received a call to confirm I made the charge. Despite calling back within 10 minutes and leaving a message providing such confirmation, XXXX temporarily froze my account. 

As a result, the payment was declined and Chase unlinked my XXXX account as a payment source. Chase will not relink the account without a verification of deposit letter on XXXX letterhead. XXXX will not issue a letter, and will only complete a form provided by Chase. Chase will not issue a form. I've spent numerous hours on the phone with each/both institutions, in chats, and on social media and neither will assist. As a result, I need to make multiple transfers to other accounts just to pay my monthly statement... I'm told my only options are to pay by phone, mail or another account, which seems RIDICULOUS - particularly since Chase lets me use the XXXX account to pay XXXX other cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25
Company: Financial Business and Consumer Solutions.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a third party collection agency for a debt that still was not verified as accurate to be paid. The University of XXXX sold debt to XXXX XXXX XXXX. I settled the debt with them XX/XX/XXXX in which I made payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to cover the settled amount XXXX in three payments XXXX. Well I received another collection letter in the mail from a new debt collector for the same balance offering to settle for XXXX. I explained to the other creditor that I have already paid the debt to a different company they stated they received the file this year XX/XX/XXXX from the University of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company has violated the USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C 1681g and 15 USC 1681 a I demanded attention from a live representative to fully investigate fraud information on my report. I relied on this company to verify complete and accurate information. I have yet to receive any documentation that I owe the company listed. Im trying to rent and was recently denied because of the damage on my report this is a defamation of my character. Im currently homeless and this company is violating the laws by reporting false and fraudulent information. Ive been disputing since XXXX asking what did the company send to prove it was me. I want the fraudulent and in accurate accounts removed immediately.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX : {$260.00}

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 2022-12-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Back in XXXX my information was affected in the Equifax Data Breach and my identity was stolen. I have had new open and closed accounts appear on my credit reports that is not mines and every time I dispute the incorrect information on my credit reports they are ignored by the credit Bureaus and the Creditors. I Have also filed multiple FTC Reports, and a police report with my nearest police station regarding this matter, that's why I am reaching out to the CFPB for this issue now. This has caused a hardship for my family and me. 

My XXXX XXXX credit report is the only credit reporting agency that is reporting the correct information besides the recent fraudulent inquires reported. I have uploaded my credit reports as of XX/XX/XXXX, along with my Real Identity info ( ID Card, SSN, Utility bill ) and Previous disputes letters that were recently ignored by the Credit Bureaus ( XXXX, Equifax ) and Creditors. 


XXXX along with the Creditors are reporting WRONG information such as accounts ( XXXX XXXX XXXX With the acct # XXXX with a high credit of XXXX XXXX XXXXXXXX XXXX XXXX XXXX the acct # XXXX with a high credit of ( XXXX ), ( XXXX XXXX XXXX XXXX XXXX acct # XXXX with a high credit of XXXX ) XXXX is also reporting an address that I have never lived at before with is ( XXXX XXXX  XXXX XXXX XXXX Texas XXXX XXXX which is also affecting my credit terribly. 

Equifax along with the Creditors are reporting WRONG information such as ( XXXX  Acct # XXXX with a high credit of XXXX ), ( XXXX XXXX XXXX Acct XXXX XXXX XXXX a high credit of XXXX ), XXXX XXXX Acct XXXX XXXX with a high credit of XXXX ), ( XXXXXXXX XXXX Acct # XXXX with a high credit of XXXX ) Which should be deleted immediately due to my identity being compromised and being used by I don't know who.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: NY
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:
This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX  XXXX XXXX Balance : {$400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$860.00} ; XXXX  XX/XX/2023.

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: RFNA, LP
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was informed of a debt that I owed of {$2500.00} approximately and I realized that the debt was paid through my " XXXX XXXX XXXXt '' and Republic Finance LLC is demanding and payment and filed a XXXX against my personal assets. I informed Republic Finance LLC and spoke to the Manager. I remedied another payment with a 1099A. I also contacted in writing the Corporate Office CEO requesting " Accept for Value '', with a 3rd method this loan has been paid in full already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Home Loan Center, Inc.
State: MN
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:
XXXX XXXX pulled my credit, now they won't give me a credit report. I did not authorize anybody to pull my credit report and if they did I want a copy of the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Experian Information Solutions Inc.
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:
XXXX ; Experian and XXXX are reporting incorrectly the XXXX XXXX/XXXX partial account number XXXX on my credit report. ( Please see pages 2 and 3 attached. ) They are reporting a balance on the card that was charged off even though they have sent it to a third party collection agency. This is illegal. I believe that someone fraudulently used my card. I have contacted the bank and they can't give me any information. I previously filed a CFPB against XXXX XXXX/XXXX XXXX on XX/XX/2019 reporting that this credit card partial account number XXXX - had been used fraudulently. This card does not belong to me and I never opened this card. I have attached the letter from XXXX of OHIO dated XX/XX/2019 XXXX Account number XXXX - referencing partial account number XXXX. This letter is simply confirming a balance on this account of {$930.00}. There is no confirmation in this letter that this account belongs to me. This incorrect reporting is harming my credit score.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent letters out in XX/XX/2023, XX/XX/2023, and sent more letters to the credit bureaus on XX/XX/2023 I am contacting you because of a on going problem with inaccurate information reporting to my credit report and its putting me in financial harm! I filed complaints with yall also and nothing happen, I am demanding these items be removed from my credit report ASAP!

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 2023-11-28
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2021-03-30
Company: Experian Information Solutions Inc.
State: SC
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 been disputing since XX/XX/XXXX inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-45 day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another dispute letter to each of the brueaus, demanding they delete the inquiries that I did not authorize. Here it is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2023-11-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 2022-12-23
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Date : XX/XX/2022 Amount : XXXX dollars ( XXXX + XXXX ) Actions : Made two appeals I made my prior appeal to the bank after first urging the " pending, '' transaction to outright be canceled, the Navy Federal worker told it was possible to do that ( Remember this fact ) but I should wait a couple of days for it to go through, get a new card and make the transaction because my story seemed true. I was given a provisional credit and after a month, I was sent an email saying my transaction was denied. I was not given a specific reason in the e-message but that it was rejected on the basis of my account history, transaction details and " discrepancies, '' between the claim and my account. Confused, I called for an explanation and they told me on the phone that it was because it was consistent with my account ( I have never sent anyone more than XXXX in the past year or even XXXX ever ), transaction details ( Addressing my facial ID, in which I told them that I willingly sent this stranger who was asking me for money XXXX, was told the money did not send then to be nice just doubled it to XXXX ) and they could not explain these " discrepancies, '' I was switched over to the fraud department and a lady told me to send pictures of all my apple transactions, proof I did not know the person and explain the token issue. I explained and she told me out of her mouth that " I should get the appeal with all the evidence I brought forth. '' I wait another month and yesterday I sent an e-message to Navy Federal that my investigation is not being taken seriously then they replied less than XXXX hours stating my appeal has been denied again without explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: FL
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:
This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 non-monetary relief
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: OR
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:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is a ground for removal they also violated my rights under : 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section2 : 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