BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-24
Company: Penn Credit Corporation
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called Penn Credit Corporation on XX/XX/XXXX and spoke with someone and told the guy I want to dispute this matter the guy told me I cant which wasnt true also I let him know this account was a very old account after he couldnt even found me in there system after 5mins of  being on the phone with him Pennsylvania has a statute of limitations of six years for typical debts. If it's been more than six years since a credit card debt or contractual loan obligation became due, the creditor can no longer take collection actions for that debt. This is a standard statute of limitations and is on par with most other states. 
I call the original company and they confirm that the debt was last paid by me In XX/XX/XXXX and after that a company called XXXX paid XXXX $ which I didnt pay The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. ( 42 Pa. C.S. 5525 ( a ) ) As a practical matter, the Statute covers most types of debt, including credit cards, medical bills, personal loans, etc. 
The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. I want it removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have turned in paperwork and everything on net credit identity theft and yall still want remove other bureaus have removed also the 2 accounts in collections that shows XXXX  balance yall want remove but it has a XXXX   balance and is closed off so how is it in collection if I have a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: JPMORGAN CHASE & CO.
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:
I have an account on my credit report from Chase auto-this car was stole off the dealership while I was signed my contract. I was told that the loan would not fund and that I wasn't responsible for the car. Well, the dealership did fund the loan with Chase auto and I tried everything to get this loan undone. I filed a police report three years ago, tried to put the car through my car insurance, and I tried to help chase get the car back-but I couldn't get anything done. I had great credit and didn't want to have this account report negatively, but I didn't have a choice. I filed all of the fraud paperwork that chase told me to do and submitted it. I thought it was done, because I didn't hear anything from chase. 
I started the process to get a home and this account is showing on my credit. I once again filed a fraud aff, through the FTC fraud website, I was very specific in my filing. XXXX  and XXXX XXXX has blocked/remove this debt off my credit and all three blocked/removed it off my husbands. But XXXX  refuse to remove/block the debt off my credit report. They tell me that it's not fraud because I can't produce a police report. And I can't get a copy of the report, because XXXX pd didn't accept the complaint because the car was never in my name. And now Chase is trying to collect a debt that is Fraud!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018 I rented a car from XXXX XXXX XXXX XXXX in XXXX XXXX SC. When my plane landed I had to wait almost 2 hours to get my car and by the time I received my car I had missed the event that I flew in for. With this being said when I returned from my trip and spoke to XXXX XXXX they stated that my credit card was only going to be charged XXXX total. XXXX XXXX even emailed me the new invoiced amount. When I received my credit card statement there was a charge on it for XXXX I called XXXX XXXX and they stated that they only charged me XXXX and if there was more then that the credit card company was at fault. I called the credit card company and opened a dispute. XXXX in the dispute department called and said that she received the information from XXXX XXXX and the charge would be removed from my credit card. I have email upon email from the car rental place stating that my total charge was only XXXX and nothing more. Well low and behold 2 1/2 months later the credit card company put this back on my credit card. I have been dealing with them and it is not getting resolved. I have talked to XXXX time and time and they stated that they only charged the XXXX and the bank is at fault. With this being put back on on statement now I am over my limit, and XXXX in charges that do not belong to me along with the interest charges. I do not know what else to do at this point. I have supplied them all the emails and documents from XXXX showing the bank is in the wrong. Please help me out with this.These charges do not belong on my credit card and this is actually effecting my credit score by showing that I am over the limit.

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 2020-05-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I believe that the accounts on my credit report are not mine, they should not be a part of my credit file. The information is being reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I disputed the accuracy of the reporting of this account. Kohl 's provided me with a statement of an account. As per the FTC opinion letter from Attorney XXXX XXXX XXXX a printout of a bill does not constitute verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: FL
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:
To be clear, I am extremely grateful in the efforts of XXXX working to check the Clarity database and Providing the specifics that no consumer report or score exists for me. I am submitting this as a matter of record for me to request that the personal data I provided to Clarity, as requested to provide to me the " report ''. I am now requesting that the PII be purged from it's database. I say this because it is not a matter of if but when you are hacked.

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 2021-09-02
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I HAVE WRONG NAMES AND ADDRESSES THAT NEED TO BE CORRECTED SEE LETTER ATTACHED FOR THE DETAILS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: AES/PHEAA
State: NY
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:
I have my loans through myfed loan and am participating in federal student loan forgiveness program. I have been paying my loans for 10 years. I dont believe my count is accurate. I asked for them to recount my payments 13 months ago in XX/XX/2020. I have called 7-8 times to check on the progress and the customer service says they can provide no update but it should be completed in a year. Its been over a year. When I called in XXXX to ask if I could be in contact with whoever was doing the recount, I was told no, they would send a message and have someone contact me. There has been no contact, its been over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: EQUIFAX, INC.
State: AL
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:
MY CREDIT REPORT HAS ACCOUNTS THAT DO NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS ENDED UP ON MY CREDIT REPORT. I AM A VICTIM OF IDENDETITY THEFT. THIS IS NOT FAIR TO ME BECUASE I DIDNT AUTHORIZE ANY OF THESE ACCOUNTS OR INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I have two Certificates of Deposit dated XX/XX/XXXX totaling {$25000.00}. In XX/XX/XXXXI took them to Wells Fargo XXXX XXXX XXXX, XXXX NCXXXX to redeem them. I spoke to a customer service agent XXXX XXXX. He told me they couldn't redeem them as their records only go back seven years. I have paper records. Why can't they redeem them? I have the originals in my possession. On them it states : " Automatically renewable ''. Can you please help me get my money. I can send you copies of the CDs. Thank you. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  NC XXXX  ( as shown on the CDs ).

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 2020-05-24
Company: Nelnet, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Great Lakes student loan company reported my account to the credit bureaus ( XXXX, XXXX, and XXXX  ) as deferred. The account status should have showed on time due to covid-19. No payment no interest for six months. When it was reported wrong it allowed my credit score to drop 53 points.

Right not there are millions of others as well with the same issue with Great Lakes. This is unjustly, and has majorly affected my credit score because of their error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank In XX/XX/2020, I received a wire into my Citibank account ( {$24000.00} ). Bank froze account with no explanation and froze funds was to send a letter explaining reasons. Letter never came and I requested letter 4 times. Wire was good and I am not able to get wired funds. Bank has been very uncooperative and resistant in resolving this issue. 

another {$20000.00} was deposited with same result.

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 2017-09-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To freeze credit we are required to file a request with the 3 major companies. XXXX accepted my request. XXXX  accepted my request. Several attempts with Equifax on line and on the phone have been aborted by someone other than me after I have submitted information including SS #. The interaction is accepted for maybe two minutes and in the middle of the transaction I get message on the phone or on line saying " sorry we can not handle this transaction. '' I want Equifax to freeze my credit. I want them to recommend the safest way for me to accomplish this. If it is by mail then I need to hear that they are on top of things by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I was told this Company would decrease the rate with on time payments. 
I have made 22 payments on the car and paid over {$6000.00} and my balance has only gone down by {$2000.00} This is predatory lending. 
I want out of this loan with no damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from ERC dated XX/XX/XXXX. The letter claims that I owe XXXX {$160.00}. I paid the XXXX debt on XX/XX/XXXX. ERC has threatened to collect on the debt again. The debt is already paid but they keep threatening to collect. Please see attached credit report. Under ENHANCED RECOVERY COMPAN # XXXX it reads that the debt was paid and closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
HAVING ISSUES GETTING THE CREDIT BUREAUS TO UPDATE MY CORRECT ADDRESS AND REMOVE ADDRESSES NOT RELATED TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: EQUIFAX, 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:
Late payment showing on account on XX/XX/XXXX, and XX/XX/XXXX. Account has been closed since XX/XX/XXXX with date of last activity on XX/XX/XXXX. No late payments have ever been made on account. Payment history is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Waterfall Revenue Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
They keep calling my phone before XXXX XXXX and they keep calling and harassing me I told them to stop calling my phone and they keep doing it. I finally looked up their information and it is XXXX XXXX XXXX in New Jersey. When I called them asked them to stop they asked who was I to tell them to stop calling my phone as well as when i told them I would report them they told me they would report me for I dont know what because I told them I know the company information and i will report them oh that was the agent XXXX and XXXX and one more. I just need them to stop calling my phone and waking me up at XXXX or XXXX XXXX which is against the law according to the Federal debt collection practices act since 1978

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Experian Information Solutions Inc.
State: GA
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 been reporting to Experian, XXXX  and XXXX  for months that a third party is reporting wrong information to them about a cancelled and close account they bought off an original creditor. The third party company is XXXX XXXX I dont have no business with the third party and the account they bought was cancelled and closed due to the product being defective as a result the original account is closed. They are violating my rights by continuing to report a cancelled account as open from a third party when it is clearly closed. It was verified and they will not remove it. I dont owe any balances to this collection agency I have no business with them neither do I know who they are besides an agency trying to ruin my credibility.

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 2019-02-26
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX XXXX  XXXX XXXX, NJ XXXX I RECEIVED SEVERAL INQUIRIES XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX bank XX/XX/XXXX, XXXX XXXX XXXX nj XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX   XXXX XX/XX/XXXX that I never applied or recieved credit for please remove them from my credit file

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 2020-09-08
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:
THIS IS MY 2ND SUBMISSION FOR A COMPLAINT. I HAVE ATTACHED DOCUMENTS PROVING MY ODENTITY AMD THAT I AM THE ONE THAT IS DISPUTEING MY INFORMATION.NO OTHER PARTIES INVOLVED.I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

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 2021-02-09
Company: EQUIFAX, INC.
State: PA
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:
Hey EQUIFAX, I never gave XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) permission nor the right to report on my consumer report & the fact that these accounts are reporting on my credit report without any written permission is against the law. This is a violation as well as identity theft. Please reverse this under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Concerning the accounts listed below as a consumer I am demanding the deletion of the following accounts from my consumer report : XXXX : XXXX XXXX XXXXXXXX XXXX XXXX  Original Creditor : XXXX XXXX ) : XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Recovery One, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RECOVERY ONE is claiming that I owe them {$190.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Cawley & Bergmann, LLP
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving repeated calls from XXXX XXXX XXXX XXXX. I have asked her to quit calling me several upon several times. They've asked for my social security number. Some attempts were via another number XXXX XXXX XXXX XXXX. I've blocked their number via my cell phone but same " XXXX '' agency with different numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Oklahoma Student Loan Authority
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Oklahoma student loan authority has an account from the year of XXXX. On a private, non federal student loan. I co-signed for my husband. We filed bankruptcy in XXXX and it was also discharged on my husbands behalf from XXXX XXXX. But they keep hitting my credit saying I still owe. Theres a statute of limitations on this. 5 years in Oklahoma and 6 years where I reside. This should not be on my credit and I should not owe. Its past all those 3 reasons.

Company response to consumer: Closed with explanation