BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/21 I called Bank of America to seek assistance with fees that had been improperly charged to my account multiple times. I spoke with a representative named XXXX who was very rude to me and sought to chastise me instead of treating me with the proper respect. I also spoke with a Manager on XX/XX/21 named XXXX who also did the same. It was shocking to see such extreme rudeness and a general lack of willingness to help a client that has been with the bank for years. The lack of care from these individuals has not only caused me financial distress but has precipitated my unwillingness to want to continue to do business with Bank of America.

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 2020-08-25
Company: TRANSWORLD SYSTEMS INC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is with regard to medical from 2 years ago. These calls from TransWorld Systems , Inc. are unceasing. They have been notified we are on DO NOT Call registry, but they don't care. The ID Code is XXXX. I want this stopped. If they need to contact me they have my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Experian Information Solutions Inc.
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:
I recently challenged the validity of these accounts thats being reported on my most recent credit report. Upon challenging this, XXXX XXXX XXXX deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified these same accounts. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE these accounts from my credit report 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 explanation
Consumer complaint received 2018-10-14
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX is not responding to my inquiries regarding Public Service Loan Forgiveness. I have twice submitted documentation regarding my public service employment via upload on their website. I waited for several months to hear something, requested a response, and was told I needed to wait some more. Meanwhile, qualifying payments are not being credited to my account, delaying my ultimate loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: WHEELS FINANCIAL GROUP, LLC.
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:
XXXX credit bureau has not properly used my identity theft packet to remove or block information reporting on my credit file due to fraud and identity theft. 

I have sent them my law enforcement report, all of my proper identifying documentation, as well as a victim statement and request to remove the account that is reporting due to fraud. 

They have done nothing but send a message to the creditor. 

XXXX states : " the creditor says all information including your name and address are reporting accurately. '' Of course it is! The identity thief used my real information! 

The other bureaus promptly blocked and removed the fraud. XXXX refuses to properly investigate and tells me there is nothing they can do with my identity theft report from the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: OUT TECH, INC.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bureau of Account Management is attempting to collect a medical debt ( {$85.00} - XXXX 2015 ) that is not mine and have failed to provide any legitimate documentation on the false debt. Not only is Bureau of Account Management fraudulently attempting to collect an erroneous debt, but they have falsely reported this to all 3 credit agencies causing a significant decrease in my overall credit score. This predatory collection agency has violated the Fair Debt Collection Practices Act on all levels and I would like this resolved ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-31
Company: Experian Information Solutions Inc.
State: TX
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:
Applied for a credit card with XXXX XXXX XXXX on XX/XX/XXXX and was denied. A few days ago I sent an email to the executive office asking for my application to be reconsidered. Today I received a call from a gentleman called XXXX. He said they would review my application again. I was asked to verified some of the financial information I had provided during the application and I did. XXXX said to hold for a few minutes while he took a look at the application. Immediately I received an alert from Experian that my credit file had been accessed. Once XXXX came back to the line I asked why he pulled my Experian report and his response was " because once it has been more than 30 days from the original application we need a new report. '' Neither him or XXXX XXXX XXXX had my consent to access my report. I was never asked for permission and I never verbally agreed to it. Application ID 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 2018-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following accounts should be removed from my credit report due to the fact that I do not have, nor ever had a contract with any of the following and according to the FCRA law these accounts should be removed ..No Contract .... ( 1 ) XXXX XXXX XXXX {$920.00}, {$510.00}, ( 2 ) XXXX XXXX XXXX   {$480.00}, ( 3 ) XXXX XXXX XXXX {$160.00}, {$140.00}

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 2018-06-29
Company: Phoenix Financial Services LLC
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:
Phoenix Financial Service is inaccurate because I have never received any documentation for this bill. I have contacted the XXXX Tx XXXX XXXX, the original creditor, and am told there is no balance. I have contacted Phoenix Financial Service and was refused proper documentation to validate the debt. I am requesting this item be removed from my file to correct the information. {$1100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I called XXXX XXXX XXXX of XXXX, NY in order to gain information regarding an allegedly defaulted student loan account in my name. 

I was put in touch with a XXXX XXXX, who insisted that I owed a total of {$1100.00}. This was in stark contrast with the amount listed on my Federal Student Aid account, which listed a due principal of {$820.00} with {$0.00} interest due. 

When I presented this information to XXXX XXXX, he became agitated and hostile, insisting that I owed an additional {$350.00} in interest charges. 

I pointed out to XXXX XXXX that I could not possibly owe Security Credit Systems that much, as this loan was serviced by another credit agency before XX/XX/XXXX, before being transferred to XXXX XXXX XXXX after that date by my original loan provider, XXXX XXXX, as disclosed to me with XXXX XXXX business office in a conversation which took place on XX/XX/XXXX. XXXX XXXX XXXX has serviced this loan for less than two weeks, and yet they are claiming I owe roughly 45 % of my principal balance in interest charges, to quote XXXX XXXX. 

XXXX XXXX then vacillated between claims that these interest charges were imposed by XXXX XXXX XXXX and, alternatively, the federal government. When I stated that these interest charges couldnt possibly be imposed by the federal government, as the Federal Student Aid website currently lists due interest charges for this loan at {$0.00}, XXXX XXXX again grew angry and demanded that I pay the requested amount immediately. 

It is clear to me, based on the very short length of time XXXX XXXX XXXX has serviced this debt and the significant discrepancy between XXXX . XXXX claims and the official amount listed as due on the Federal Student Aid website, that this is an attempt to charge an exorbitant and potentially usurious amount of money that I do not owe. These actions are in clear violation and, at the time, render me unable to pay my proper debts. 

XXXX XXXX XXXX is making wildly fraudulent demands, and should be appropriately reprimanded for their unethical, predatory, and potentially illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: CT
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, I contacted Transunion to dispute inquires on my credit report. I have not authorized these inquires and I have received little to no cooperation from both the credit bureau and the creditors to remove the following inquiries.

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX- Inquiry from XX/XX/XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from NXX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX   Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/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 2018-10-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have no idea why they are calling me. I do not owe anyone any past due amount. They call every day ( sometimes multiple times each day. I do not talk to them, but when a human voice answered when I  picked up once, I told them I don't know what they want but I wanted the calls STOPPED and hung up on them. They continued to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-14
Company: AES/PHEAA
State: MI
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:
XX/XX/2018, XXXX XXXX changed the way that they report Student Loan debt to the credit Agencies. Instead of it being reported, as in the past, like Mortgage debt, it now displaying the interest that is accuring monthly. It's as if the interest has been capitalized! It has not been. 
My mortgage debt does not do that. It is an installment loan. My credit has took a major hit of at least 50 points! I tried speaking to them to get a better explanation, but no one was clear on how this happened! They just apologized! My credit will never be able to heal because of the way that they are now reporting this installment loan. How can this be fixed?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Experian Information Solutions Inc.
State: GA
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:
The following account needs to be deleted and blocked from my Experian credit report because it is fraudulent. 

XXXX  XXXX XXXX Account # 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 2020-05-20
Company: EQUIFAX, INC.
State: LA
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 lost my wallet years ago and recently looked at my credit report someone has accounts in my name.please help me get this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company : Credit Collection Services Original Lender : XXXX XXXX XXXX XXXX collecting on behalf of progressive for a total of {$140.00}. I did not receive any document to verify the debt and a proof that it was mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Since XX/XX/XXXX and XX/XX/XXXX, several times via USPS certified mail, I made timely and proper disputes for the removal of several inquiries on my credit file that I did not authorized. The  bureau immediately told me that Inquiries are generally a matter of fact and that under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. In writing and by telephone, I let the bureau agent know that I did not authorize these inquiries and that the FCRA requires that all inquiries reported by the bureau must be or have been authorized by me. The bureau did not remove the inquiries and informed me that all of the disputed inquiries will remain on the credit report for a year or two and that they " should not '' hurt my credit score. These inquiries have and are still hurting me and my credit score because they are neither factual nor authorized by me. 

The disputed inaccurate and unauthorized inquiries are : 1.  XXXX XXXX ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 2.  XXXX XXXX CC # XXXX ... ... ..Inquiry : XX/XX/XXXX 3. XXXX XXXX CC ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 4.  XXXX XXXX/XXXX ... ..Inquiry : XX/XX/XXXX 5. XXXX XXXX ... ... ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 6. XXXX XXXX XXXX, XXXX ... ... ... .Inquiry : XX/XX/XXXX 7. XXXX/XXXX ... ... ... ... ... ... ... ... ... ... ... Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
In XX/XX/XXXX, Equifax announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to equifax, transunion, and experian but not haven't got a response. I moved to my new home XXXX XXXX XXXX XXXX XXXX, IL XXXX and I am still being bothered by collection agencies and still have discrepancies on my credit profile. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the Equifax Data Breach Settlement given to me by Equifax credit bureaus. Please take off inquires, collection item, closed accounts, and previous addresses. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2019 I received a following message from Chase ( my  bank ) : " Chase QuickPay Team XXXX To : XXXX XX/XX/2019 at XXXX XXXX  You received a payment XXXX XXXX sent you money through Chase QuickPay with XXXX. Your sender is registered with a XXXX member bank that supports payments in real time. You'll usually get their payment in a few minutes. 
Payment details : Amount : {$120.00} ( USD ) Memo : For claim number XXXX To learn more, sign in to chase.com/QP. 
Have questions? Please call Chase Customer Service at XXXX. 
Sincerely, Chase QuickPay with XXXX team '' I was expecting this payment. However, this amount was NEVER CREDITED to my account by Chase Bank. Numerous communications with various Chase representatives did not lead to any resolution. The last was on XX/XX/XXXX, XXXX XXXX from the executive office, XXXX, ext XXXX who called me once and never returned my calls afterward. I need Bank to credit my account for the amount that they apparently lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Resurgent Capital Services L.P.
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:
sent ftc violation and all the documents that proof of the violation to have it deleted XX/XX/2019 Source XXXX Date Submitted XX/XX/2019 Estimated Resolution Date XX/XX/2019 Report Number XXXX Account Number XXXX Company LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XXXX XXXX XXXX mc XXXX Open Date XX/XX/2019 XX/XX/2019 XX/XX/2019 Balance {$4400.00} {$4400.00} {$4400.00} Collection Debt {$4400.00} {$4400.00}

Company response to consumer: Closed with explanation