BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: Remitly, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
1. I made international money transfer transaction through https : //www.remitly.com/ 2. There was an error in Account number which did not match the recipient name. 
3. The recipient bank rejected the transaction & sent confirmation to recipient that the transaction was rejected. ( {$500.00} ) 4. Remitly showed transaction was completed. While recipient never got the money. 
5. Contacted customer care the voice service is just a Voice message box. 
6. chatted with customer service online. They said money is delivered correctly to recipient. 
7. After providing them all evidence that recipient bank rejected the transaction and no money was delivered. 
8. They told me their system ( remitly ) shows they have refunded me the money. 
9. I shared my bank statement, showing nothing was refunded to my bank. 
10. Since then they have blocked me from contacting customer service, not sure even if its legal to block a customer from contacting customer service. 
11. can't do anything, feel helpless 12. TERRIBLE CUSTOMER SERVICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: The Receivable Management Services LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Contacted XXXX XXXX company around XXXX2017 getting more information on the debt they say I owe. According to their records the account is no longer in their system. I then received a letter from The Receivable Management on XXXX XXXX XXXX XXXX, PA XXXX after I requested the debt to be verify. I show they are requesting payment but are not licensed in the state of Florida.

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 2020-10-10
Company: PENTAGON FEDERAL CREDIT UNION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XXXX, I deposited a check for {$92000.00} to my XXXX XXXX XXXX account via a XXXX XXXX XXXX  ATM. 

On various calls XX/XX/XXXX - XXXX, the bank has told me : - conflicting reasons for the check being rejected - that the check was being returned to the issuing bank, not to me - that I would need to ask the check writer to talk to the bank to figure out why the check bounced. 

My account has had various fees and two checks marked as bounced which created a headache for me. On Friday the account was marked as having a very negative amount of funds available ( -180k or  so ). 

On XXXX I was charged a {$5.00} chargeback item fee. 
On XXXX I was charged two uncollected funds fees of {$10.00} each. These have since been refunded at my phone request. 

I reached out by phone to XXXX who is responsible for this check and : - The check was valid - The account had a balance large enough to cover the check - Her account with the bank has no record of that check attempting to be cashed

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 2021-02-22
Company: Millco Management
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
These scam artists are attempting to collect {$150.00} they are not entitled to because the original creditor that this bill originates from was informed that all statements are involved in malpractice litigation. The reps who have contacted me about this bill are rude and blatantly racist. I also informed the agency that this bill is part of litigation and they hang up, make threats, or are aggressive. They reported it to my XXXX  report and it needs to be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Receivables Performance Management, LLC
State: GA
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:
I have no idea who Receivable Performance Management is or  who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Receivable Performance Management is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Receivable Performance Management as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ XXXX XXXX } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to Receivable Performance Management, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

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 2018-08-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
inaccurate information no knowledge of accounts filed with FTC and PO report, in violation of consumer rights, lending act and HIPPA

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 2018-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
TransUnion credit reporting agency has not removed negative public record from credit report. XXXX   has removed information and has increased credit score to the excellent category.

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 2018-06-06
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Nationwide Recovery Systems On a recent review of my credit report I noticed 1 collection amount in the amount of {$650.00} for a medical collection from  Nationwide Recovery Systems. 

On XX/XX/XXXX i sent a debt validation and hipaa authorization validation to the address listed on my credit reprt ( view attached image for address ) On XX/XX/XXXX the letter was refused.

Upon calling the number listed on my credit report on JXX/XX/XXXX the  representative informed me I have multiple accounts with them and that he would not send any validation, he also stated I had the wrong address though the one I have is listed on the collection. He would not give me the correct address and refused to update the account with the credit bureaus with the correct address. On the attachment below you can see only 1 account listed on my credit report so I do not believe the validity of any of these accounts he speaks of. 

He also refused to tell me all the accounts in a manner I could understand, he was speaking way too fast. He told me that they would be reporting all accounts to credit bureaus. I informed him that doing so without letting me validate or accepting my decision request could be a violation of the FDCPA, and the fair credit reporting act. He stated he didn't care, one way or another they'd get their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. BK OF AMER Inquired on XX/XX/2019, XXXX/XXXX Inquired on XX/XX/2019,. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2021-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Experian Information Solutions Inc.
State: NJ
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: Problem with personal statement of dispute

Complaint:
I have tried to dispute the chase account on my Experian credit report and they have not taken it off my credit report when this account has already been determined by the FTC and a few other federal investigation bureaus as a fraudulent account. I don't understand why experian is taking this long nor do I understand why they have not erased it. However my other two credit reporting bureaus have already taken it off and blocked it.

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 2019-01-30
Company: GLA Collection Company, Inc.
State: KY
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 have paid this debt off and this company still reported it to the credit companies as unpaid account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
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 erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: EQUIFAX, INC.
State: NC
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 have submitted a dispute with the credit reporting agency in regards to a bankruptcy showing on my credit report the bankruptcy doesnt belong to me I have contact the source for which the bureau state to have received the information the source report they have no file on me and that my file were suppressed due to s previous Id theft several years ago The new public records law requires personal information to match in this case the information being reported for bankruptcy doesnt match my personal information the name is incorrect alone with the address the FCRA requires this information to match or be deleted the credit bureau has refused to delete information the new law also states information must be updated every 6 months this also hasnt been done Im requesting physical proof of such bankruptcy filing bearing my signature ASAP or the actual documents provided to the credit bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Complain to FTC XXXX XXXX XXXX XXXX XXXX. ap XXXX XXXX XXXX, IL Date : XXXX XX/XX/XXXX Dear Federal Trade Commission, I have written to Experian on several occasions disputing the fact that the items listed below are incorrect. The credit bureau has either refused to respond, sent a frivolous letter, sent a working with a credit repair company letter, or continues to state that they have verified the debt. Let this be a formal complaint against the ( name of the credit bureau here ). The following accounts are the items the credit bureau has refused to investigate. 
Account : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Sincerely, 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 2019-08-24
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I logged in to make my mortgage payment, however, their website was non working when I would hit the make a payment option. I would show up as loading for long periods of time and wouldn't go anywhere. When it finally took my payment, it was minutes after XXXX XXXX. 

I made the payment before midnight, but they still marked my payment as a 30-day late. The payment was submitted before XXXX. 
I contacted them and explained the situation and the trouble I had with their page while making my payment, but they said that they couldn't do anything about it, and that I would have a late payment reported to 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 2021-08-21
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I went ONLINE to XXXX to request an Equifax credit report BUT Equifax tells me I entered invalid answers to their questions when verifying me. Attached is a screen print of the refusal by Equifax. 
I also I CALLED Equifax at XXXX which also asked me questions over the phone and again I was refused. I also called XXXX and XXXX and it was the same Interactive Voice Response. I could NOT get past to a human being! 

I DON'T RECOGNIZE THE ANSWERS THEY PROVIDE FOR ME TO CHOOSE! I am a senior and my credit history goes back XXXX years. 
1 ) I don't remember my phone numbers from 20 years ago. 
2 ) Large companies have different names from the advertised names of loans or credit cards that I know them by. 

I have been notified by XXXX that my PERSONAL DATA WAS HACKED including my SSN. I have an XXXX FICO score and am concerned about IDENTITY THEFT. 
I tried Equifax.com and myEquifax.com and they don't recognize me either. I have a security Freeze on my reports but am told it won't affect getting my report at XXXX I pulled my last Equifax report on XXXX a year ago. I want to review my current Equifax credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: Conn's, 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: Account information incorrect

Complaint:
On XXXX XXXX I signed up with an agent of Conns home plus for a settlement of my account in the amount of {$2700.00}. First payment was XXXX XXXX of {$900.00}. Then a monthly payment of XXXX was due from XX/XX/XXXX until XX/XX/2021. The every month conn report to the credit bureau that I owe a higher balance of XXXX and decrease it by a XXXX XXXX dollars. I disputed the balance online and they never updated but never updated to the correct balance. I called and talked to a representative who couldnt tell me anything. How, why, or who I would have to talk to directly to get it fixed. Ive been making on time payments since Ive agreed to the loan terms of the settlement and want to get it fixed. This was a last resort.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I mailed my XXXX XXXX XXXX XXXX, OMB No.XXXX to Navient. I was very distressed that when I called to check on the application they said it had not been received. For an entire year I have waited for them to process and I asked them to check the files. I did not receive any answer. In hope of resolving this I went on their website and saw a tab for their Consumer Advocate that was supposed to provide support but it was inoperable. I wrote them a letter on XX/XX/XXXX expressing my frustration at the handling of my case and stated that I would be reporting this to the proper consumer agency. It was my understanding that once the application was received that my payments would be suspended. I have continued to pay {$96.00} for 12 going on 13 months for a total of {$1200.00}. In the meantime I have tried to obtain a copy of the signed form and my school administration did not retain a copy, so I have submitted another request from them. Please help me with this problem. My loan number is XXXX and my maiden name is XXXX which is still on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

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