BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-11
Company: CL Holdings LLC
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson capital systems appeared on my credit report XX/XX/21 which dropped it XXXX points claiming a debt that has never been mine. An amount of {$950.00}. Ive never been contacted in mail / email or phone call before this date referring to any such debt or amount from the above company or any other company. When credit scores are such a hard thing to maintain an unannounced false debt hits pretty hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
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: Account information incorrect

Complaint:
These accounts below are paid off. 


XXXX XXXX XXXXXXXX XXXX {$92.00} {$300.00} 31 % Revolving Current XX/XX/XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status No status Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Credit Limit - Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Your Statement -

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 2017-11-25
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: Account information incorrect

Complaint:
I have been notified from XXXX that my information was compromised and I am requesting that 5 credit inquiries be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXX, XXXX OH XXXX. Please remove any other address from my file they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX , XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX , XXXX , VA XXXX XXXX XXXX XXXX, XXXX , VA XXXX XXXX XXXX CT , XXXX XXXX , VA XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 opened the account in XX/XX/XXXX. I never missed a payment as they withdrew from my checking account. I paid the account in full on XXXX XXXX. As of XXXX XXXX the account still states I owe {$970.00}. XXXX has not reported accurately ( every 30 days ) according to Transunion. I have disputed this through Transunion 3 times and I am still getting the same results. In the process of disputing with Transunion, I also contacted XXXX on several occasions ( speaking with management ) asking why this has not yet been reported. They explain that the information has been submitted to Transunion correctly and in a timely manner. XXXX also stated I need to contact Transunion as they are not reporting correctly. As of XXXX XXXX I contacted both companies to see if any changes have been made. The results are still the same. Still showing I owe {$970.00}. I only received a loan for {$1000.00}. The difference is {$78.00}. So when other creditors look at my credit report, it shows I have only paid {$78.00} since XX/XX/XXXX. That is 8 months ago. I have exhausted all my options. I have contacted Transunion filed 3 disputes, I have contacted XXXX XXXX to many times to count and still the same results. I value good credit and pay my bills on time. This is very stressful knowing its paid on time, paid in full way in advance and hoping to raise credit score. As a consumer, I should not have to go this extreme when I agreed to my obligations and kept my obligation!! I bet if I would have ever been late or not paid I bet that would have been reported!! Thank you, please help this is my last resort!!!

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 2019-06-14
Company: Global Lending Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2019 at XXXX XXXX  CST, I received a phone call from phone number XXXX-XXXX-XXXX. The lady said she was with I think " Global Locating Services '' and she was looking for XXXX XXXX. I told her that I do not know a XXXX XXXX and she then said that she would " pass this information over to her fraud department as falsified credit information. '' Her tone was very rude and I feel this type of language was not necessary. I don't see the need for her comment after I said that I did not know this person. She should have just said thank you and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged {$70.00} in fees but my account never showed overdraft. I have a screenshot of the money in the account. They used trickery accounting.

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 2017-06-21
Company: Caneel Capital, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Trinity Financial Services is a company built on purchasing old debt and then threatening or proceeding with foreclosure as soon as the value of you home justifies them doing so. We attempted on several occassions to negotiate a settlement with them but their response was to file a notice of default against us and pursue a foreclosure. Even though the foreclosure would net the company less money than we were offering. Their website suggest work out programs but also touts how investors can receive amazing returns on their investments. The tactics and lack of ethics used in our case are well documented and repeated in several cases based on the number of complaints I saw on the CFPB site however they are currently in violation of Reg Z and the servicing laws designed to protect consumers. Since the notice of default was filed we provided the default amount and reinstated a HELOC that was taken out in XX/XX/XXXX ... ... yes they waited 9 years to file an NOD against us. in fact Trinity Financial did not even have the recorded assignment of the deed of trust when the NOD was filed ... which is a violation in an of itself. That said we reinstated the loan in XX/XX/XXXX and have since made two full payments on the remaining balance. to this date as of XX/XX/XXXX we have received absolutely ZERO communications from them regarding our loan balance, loan number, payment received and applied/or not applied ... ..NOTHING!!! I have sent at least 4 emails and made multiple calls with no response or direction. The fact is there is only one department ... ..loss mitigation. When you ask about loan servicing you get the same folks in loss mitigation. This organization is not equipped to service loans and at this time we believe they are violating the law with regards to providing the necessary statements and documentation of the payments received along with what the balance owed is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TekCollect Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have this company listed twice on my credit report as owing {$220.00} and {$220.00}. I have no relation with this company and have never received nor applied for credit with this company. 

1. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX Amount {$220.00} 2. Tek Collect Inc/ XXXX XXXX XXXX Amount {$220.00}

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have contacted both Experian and XXXX and I have asked both companies to remove the fraud alert from my credit file. I have sent letters to XXXX and Experian along with the written request to remove the fraud alerts totally from my credit report, and in those letters I have included my driver 's license, a bill and a copy of my social security card, with the request and neither of them have removed the fraud alert from my credit report and it has been more than 30 days and neither of them have even responded to my request, and I have sent certified correspondence to both XXXX and Experian so that I could prove they received and signed for the package including my request and they have not contacted me back after 30 days in anyway. 

The problem that I am having is that I am not being allowed to open bank accounts, credit cards that I do want because the companies state to me they will not establish these accounts until the fraud alert is removed in its entirety so this is preventing me from being able to conduct any personal financial business.

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 2018-10-24
Company: Ad Astra Recovery Services Inc
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I spoke with a representative at Ad Astra about planning to make a payment of {$50.00} a month and was told that my payment wasn't enough. The representative was really rude and disrespectful. I failed to get the name of the representative. The company call me a lot and recently when I pick up the phone they hang up in my face. I am attempting to work out a payment plan with the company however my attempts have been unsuccessful. I am not negating my responsibility- I just experienced a financial hardship which caused me to get behind on my payment. The company calls me excessively from XXXX but fails to work with me with me yet harrasses me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: United Revenue Corporation
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:
I have previously disputed with United Revenue Corp. regarding derogatory entries they inserted on my credit reports without providing me a dunning letter or any other notification that they were attempting to collect a debt. To that end, I submitted my second formal dispute to them ( see attached return receipt ). I specifically requested that United Revenue Corp validate the debt and not verification of address in my first dispute and in my second dispute I specifically requested them to provide a copy of the signature of the alleged service provider to release my medical information to them and too for them to cease any credit bureau reporting until the debt had been validated by me. I had previously respectfully requested a full detailed report of the account they were alleging a debt was owed as well as an agreement that stated they had authority to collect on the alleged debt, agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, original delinquency date, complete accounting of alleged debt, verification that this debt was assigned or sold to collector. 

United Revenue failed to provide any documentation to substantiate this debt. They have only sent a mere summary that is on their letterhead and provides nothing of substance. Sending a mere statement on their letterhead does not suffice. The charges are not itemized and provide no explanation or justification. In their letter dated XX/XX/18, ( see attached ), United Revenue states that no inaccuracies were identified as a result of their investigation. This could not be further from the truth. I have never had a contract nor any agreement with this company and they are reporting terms of 1 month on my credit report. On each bureau report, they are reporting a different payment history as well as a different opening date for this alleged account. THESE ARE INACCURACIES AND THEY CONTINUE TO REPORT THEM AS WELL AND THIS IS A VIOLATION OF MY RIGHTS. I have been very detailed and specific in my requests as well as my disputes with them. As stated in the aforementioned paragraph. These entries must be removed from my reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF INTENT TO FILE A LAWSUIT CEASE AND DESIST NOTICE OF DISPUTE AND DEMAND FOR IMMEDIATE CORRECTION Experian should demand itemize billing documentation of medical bills that I attended XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX Instead of just believing them against me. 

I do not attend XXXX XXXX XXXX and owe no bills to them or anyone. Investigation should be more than just calling XXXX XXXX, XXXX but documentation as to why derogatory medical bills were in my reports 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 2019-05-19
Company: Navient Solutions, LLC.
State: NV
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 a student loan with Sallie Mae, it was opened in XXXX. I was paying it for 5 years, but I couldn't keep paying for all my debts because on the recession and my salary was frozen for 5 years, so I was forced to file for bankruptcy chapter 13. Sallie Mae closed my account and I didn't receive any information about it for those years under my bankruptcy. When I finished paying it last year XXXX, this account show up in my credit report under a new lender Navient. Navient didn't send me any information or anything to let me know I suppose to resume my payments, I discovered when I applied for a loan. It also shows some payments, I couldn't understand who was paying for it, at the beginning I thought it was a mistake, then I decided to complaint to the credit bureau, today I have their letter saying that in fact the account is belong to me. My complaint is why Navient don't send me any letter before starting reporting to my credit report, it's not fair, and why they add more than 10,000 to the original debt. I have to add that I'm a XXXX working for more than 10 year at inner schools and low income, helping the poorest families, and a single mother. I know there is only business, but our country is still and remains under God with liberty and justice for all, this company should start saying the pledge of allegiance, and do the right thing!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: Professional Medical Management, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am presently having compliance difficulties with the company named, " Financial Recoveries   XXXX. '' The company 's contact details are, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, N.J. XXXX, with their telephone being ( XXXX ) XXXX. 

On XX/XX/XXXX at XXXX XXXX - I got a call from Financial Recoveries, however, the agent on the receiving end kept on asking me " XXXX - hello - are you there? '' I also overheard this agent commenting to an unknown co-employee, saying, " Traditional Medicaid ; I can't ever do it. '' Seemingly alluding to a computer problem on their side of things. 

The problem that I must have corrected, is the company is failing to pay the medical bill using my Fee-For-Service Medicaid. In XXXX of XXXX, I had been approved for Medicaid, and I received a retro-active benefits letters, and that letter explains that I've got coverage three months before XXXX, and proceeding to the month of XXXX - using F.F.S. Medicaid. 

The F.F.S. Medicaid number is XXXX. I have given my number to the company three times. The company is aggravating me very MUCH. They keep calling, all while failing to process my medical bill with Medicaid - and I have discovered today that they've sent my collections to my credit file, and I am not deserving of this. This should NOT be happening. I am COVERED and I am demanding this problem be FIXED 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 2020-06-23
Company: PNC Bank N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I WAS CHARGED XXXX ON A XXXX XXXX AND WAS NEVER TOLD OF THE FEES INVOLVED. THIS IS OUTRIGHT FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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/2021 I filed a complaint against Bank of America on the CFPB website about an account that I allegedly had with them that was reporting inaccurately on my credit report for all three credit bureaus. More than two months have passed and Bank Of America has failed to respond to my complaint or send a request to the credit bureaus to have the item deleted from my credit report and this is a Fair Credit violation. For example XXXX has on my credit report that the BANK OF AMERICA credit card went into a charge off status in XXXX, 2021 and this is false. XXXX and XXXX also have different charged off dates as well. I have never no knowledge of ever having an account going into a charged off status with Bank Of America. 
I was overseas in the military and when I came back and when I tried to apply for credit it denied stating that I had a charged off account with Bank Of America. I called the bank to question and disputed this. I then asked how this could be removed and the agent I spoke with told me what I had to do to get the item deleted off the account. I did that and then I called back two months later as the negative item was still been reported on my credit report. The lady that I spoke with said that she was not seeing that I owed the bank any money and that she was going to have the negative item removed from my credit report and up to this date nothing has been removed. 
I explained to the rep that I had lost my wife and a child to XXXX XXXX and it was a really traumatic time for me and my remaining members of my family and she sympathized with me. I told her that I was trying to get a comfortable place for my family but the charged off listed on my credit report by Bank Of America was preventing me from doing so. She told me that Bank Of America was a very caring bank and would do whatever possible to make my situation better during this troublesome time that I was and I am going through and she promised me that she would have the negative item removed from my credit report but to this day the negative item has not been removed from my credit report. 
So, those bank of America agents lied to me and that is quite sad. All I am asking is for Bank Of America to please send a request to the credit bureaus to delete Bank Of America from my credit report immediately please.

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