BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-12
Company: Kriya Capital, LLC
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence resource management has constantly put this debt on my credit report 3-4 times when I DO NOT OWE THIS DEBT. Ive gotten it deleted every single time as well and they just keep putting It on my credit report. This is literally the third time theyve done this and its harming my credit when I do not owe them a dime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/XXXX18 I noticed a credit inquiry I do not recognize. 
I ask that the following Inquiry be deleted from my credit report : XXXX XXXX In addition I request that each CRA provide the source documentation used to verify the validity of this reporting.

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 2021-11-28
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As I called to get more information about this medical debt reported on my credit report that dropped my score XXXX points. XXXX XXXX XXXX explained that it could be issued by error on their part. The charges were made on XX/XX/2020 at XXXX XXXX XXXX and apparently it was a XXXX surgery on XXXX XXXX and the party was billed for the anesthesiologist bill was never paid. 

I have never been to this place nor have done any surgery on my XXXX, nor do i even LIVE in this area! This was incorrectly reported on my credit profile and is now hurting my credit reporting XXXX score. 

This is unfair that the medical billing and collections agency, try to put anyone responsible for others bad debts. This is affecting my ability to close on my home loan!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Westlake Services, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On or about XX/XX/2017 I took out two title loans over the internet with the company XXXX XXXX XXXX  : I was told that the interest rate would be around 40 % and when I got both title loans contracts the interest rates were 55 and 66 % on both title loans : In this year of paying these title loans down XXXX XXXX XXXX  have refinance or put the past due payments at the end of the loans : At least three to four times now : It seems like there's no end in site : My car has been falsely reposes once and they apology for it and did not charge me a pickup fee : because I had made arrangement prior to them ordering a repo of my car : but nevertheless I had to miss work and call an Uber driver to pick me up as well : The rates are to high and the balances are not going down : I was told one thing and paying another thing :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Bridgecrest Acceptance Corporation
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 XXXX for a payment arrangement d/t sickness. I did not want this to negatively impact my credit and they agreed with the payment arrangements. I have a printed copy of the arrangement they agreed to. I completed my payments and now am receiving an alert that they turned me in for being 30 days late which is a false statement. I continued to make my agreed payments. I disputed this with XXXX and they contacted XXXX and said they confirmed it was correct. They didn't even ask for a copy of the payment arrangements or proof of my payments they took their word for it and now I can't file another dispute or upload the documents because it is closed.

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 2019-03-26
Company: EQUIFAX, INC.
State: FL
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:
Your company is XXXX me the XXXX off!! What the XXXX are your doing. Why did you take off XXXX XXXX for? No XXXX reason!!! Never told you to do this!!! Read my information. Now I am getting a lawyer and suing!!! Big time I have snap shots proving XXXX XXXX   was on my XXXX XXXX credit report. I asked Equifax and XXXX to add it to my reports its still not on here after 5 years. This matter had nothing do to this your company XXXX XXXX. Wow!! You people are XXXX. It was in good standing. XXXX XXXX now have XXXX me off for the last time. No reason for this XXXX!! Read what I tell you. Read my complaint. Put back my XXXX XXXX line of credit now!! I calling police making another police report and calling. Y lawyer see your XXXX in court!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/2018 Trash creditor with usurious lending practices. Swiftly and orderly remove junk fee of {$39.00} that you're not charging new customers to same card for. Unfairly charging me for credit card add-on benefits I did not receive. 

Spoke to Capital One on XX/XX/2018 to no avail. Drone like echoed Terms & Conditions while acknowledging fee is no longer charged for same card. Contradicted self after stating that during times they run a promotion for no " membership fee '' then they'll waive fee for current customers. Do not drag feet on this. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-28
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:
on my Experian report I have paid over half on my credit card balance and my credit score has not changed. This is my second complaint on Experian and it seems as though it has become a personal vendetta -- no matter -- -do they realize how much control they hold in their..With a credit report they can make it hard for you to get futher in life -- -meaning a job -- which is your lively hood -- or a home -- which is your place of living -- -so with that being said they need to be perfect -- and yes I mean to the T..My XXXX card limit is XXXX Ihave that paid down to XXXX and they have that as 34 % paid -- I have enclosed a copy of this -- that is over 50 % paid. In my last complain they said they would update that and they would send me a copy -- that is yet to be seen -- I guess they mean next year in XX/XX/2019 -- oh well -- also I have paid off 2 accounts and still no raise of credit score. And surely it is not a such thing as they need time -- when the credit limit was maxed out -- aah I think it took one and I do mean one day to post that and to lower my score -- so I am not understanding why the wait is when I do it like they tell me. In my last complaint it was mention that it depends on the needs of the creditor -- -XXXX -- I have mention that to several creditors and they are saying they go by the numbers first -- -- the numbers the credit bureau is showing and then they consider other factors.

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: 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 status incorrect

Complaint:
I disputed the account information with EXPERIAN for account with XXXX XXXX Account # XXXX in amount of {$450.00}. This account is paid in full. This payment was made XX/XX/2020. Please delete account and reporting.

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 2018-03-21
Company: ECMC GROUP, INC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I have been trying to get this student loan off of my credit it has been handled by multiple debt collectors XXXX / XXXX XXXX lastly loan servicer is ECMC upon asking the company multiple times. After many misleading phone calls these people would tell me that the loan is for my current school. I called my loan servicer which was XXXX   and ask them if I missed any payments and they said to be careful because there was scams out there so I assumed that this was a scam. The school that I am attending which I'm current on in payments is located in XXXX Ohio. Upon me threatening to call the Attorney General because I thought this was a scam they told me it was for a school called XXXX I have never attended the school XXXX in XXXX Florida. Not only have I submitted police reports I've submitted dispute letters I've submitted even my high school diploma proving that I did not go to the school and that this loan was made before I was a high-school graduate I did not give permission for this loan. I have also informed all credit bureaus and they're saying that they leave it up to the company that's debt collecting to investigate themselves and that's how they determine whether they remove the dead or not and I am not satisfied with that I have said over and over again that I am a victim of identity theft I have the paperwork to prove 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 2020-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 paid off the balance owed and my credit card has a {$500.00} credit limit rather it going back to the credit card limit its showing the balance of {$490.00} I been paid off the balance i sent capitol one {$150.00} and then {$170.00} someone is not calculating the balance correctly because one minute its showing the balance is {$170.00} I paid the {$170.00} then the next minute its showing a balance of {$150.00} I paid the {$150.00} and then it was showing a balance of {$120.00} I paid the balance now its saying I owe {$7.00} needs to be paid some reason this balance is not being calculated correctly whatsoever I tried calling them and they're saying its too many callers I need for you all to look into this account because they are not doing right by me in regards to this credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-19
Company: Experian Information Solutions Inc.
State: PA
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:
Experian has me listed with a Birthdate in XXXX. I was born in XXXX. I have tried to contact Experian multiple times, even sending certified mail only to have it returned to me - I had no problems prior to this year as I just bought a car earlier last year.

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 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
Account was reported 30 days late XX/XX/2019 but account was paid. Creditor agreed to remove delinquent reporting with all credit bureaus but has yet to provide an update to TransUnion and XXXX. I would like the delinquent remark removed from my account and to reflect accurately on TransUnion and 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 2021-01-20
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Every American is allowed to rehabilitate their student loans one time. I do not understand why this is still being reported to my credit and counted late so many time I won't be able to obtain credit for years. I can not even apply for a store credit card, it is instantly declined. I paid them the money I owe them this should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Aldous & Associates, PLLC
State: CT
Product: Debt collection
Sub-product: Other debt
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:
Ive been getting harassed for quite some time Im getting told Im going to get sued/ arrested for something I didnt even do I even contacted a buddy who works in that company he says that what the job is doing is 100 % wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When closing on mortgage with Wells Fargo, I was given the option to pay bi-monthly. I mistakenly understood this to be an 'every two week ' option which would, to my understanding, reduce my principal more rapidly over time and allow for savings. 

In fact, selecting a bi-monthly payment plan would result in a net loss to me and a net gain to the bank by allowing them to hold half of my monthly payment in advance of applying it to my loan and thus reap the 'carry '. 

It seems predatory to offer such a payment option without providing specific counsel that it ( 1 ) has no clear advantage to the payer and ( 2 ) actually can be viewed as carrying a disadvantage.

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 2018-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 HAVE NOT REQUESTED FREE COPIES OF MY CREDIT REPORTS IN A VERY LONG TIME ( POSSIBLY 10 YEARS ). I ATTEMPTED TO SECURE MY FREE REPORTS TODAY, BUT FIRST REPORT WAS BLOCKED DUE TO MY REQUEST FOR THE REPORT IN LESS THAN 12 MONTHS. I DID NOT REQUESST MY REPORT IN A VERY LONG TIME ( POSSIBLY 10 YEARS ). 
ALL I WAS ALLOWED TO DO WAS FILE A COMPLANT WITH TRANS UNION ( THE FIRST AND ONLY AGENCY I ATTEMPTED TO SECURE REPORT FROM ).

COMPLAINT : SOMEONE HAS APPARENTLY HI-JACKED MY CREDIT REPORTS, ANE THEY HAVE FREE ACCESS TO MY REPORTS WHILE I MUST JUMP THRU A BUNCH OF LOOPS TO GET AT THE REPORT TO FIND OUT WHAT'S GOING ON. TYPICAL-PRIORITY IS IN THE WRONG PLACE TO PROTECT THEIR LOUSY {$30.00} FEE IN STEAD POF PROTECTING MY INFO, MY INFO, MY INFO. I OWN THE INFO AND IT IS ABOUT ME, BUT I CAN'T SEE IT AND ATTEMPT TO DO SOMETHING ABOUT IT BECAUSE THE GOVERNMENT WON'T PROTECT THE CONSUMER. XXXX, TRANS UNION AND XXXX  ARE THE PRIORITY. THAT'S A COMPLAINT.

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 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To CFPB, I hate to inform you as I know you are obviously busy with all the others that insist on not obeying the law. Upon checking my credit I noticed that Trans Union had something on my report from some one named XXXX XXXX XXXX, and as I searched this I noticed that this company keeps adding new charges to the balance to which I do not owe. CFPB I'm demanding that you fine Trans Union for this neglect to even check things out, this type of reporting is slanderous and we are contemplating suing them over this. As you know I have suffered tremendously with XXXX and this is adding to the stress. Take care of this CFPB!!

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 2018-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
ALL " CRA '' REFUSE TO ADD MISSING ACCOUNTS INFORMATION TO CREDIT FILE ... .. ( 3 ) CREDIT CARD ACCOUNTS : " XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX ... I HAVE SENT EACH " CRA '' NOTICES AND PROOF 4X AND ALL " CRA '' FAILURE TO COMPLY.

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 2018-02-01
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have on my credit a WV state tax that was paid.. I also have the release paper from the WV state tax that it was paid.. just want to get this off my credit. Thank you

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 2019-03-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am trying to get my free annual credit report. Equifax is the only one that wont let me access online. I have sent in my I'd and social security card in with the proper information and they always say they cant identify my info. I have tried this 4 times. They tell me to do the same thing over and over which I do. Then when i do that they say the same thing saying they cant identify me. This problem has been going on for 4 months and i am beyond frustrated and in desperate need of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01
Company: VW Credit
State: FL
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:
VW CREDIT XXXX XXXX Opened XXXX XXXX, 2016 Balance {$1200.00} I'm concerned about the quality and reliability of your latest analysis and the past due payments meant for this specific account and the way it is reporting on my credit report. Just about 45 days ago I sought after an inspection on account that I felt the item is not being recorded currently. To my shock, I have been given a document proclaiming that your evaluation was accomplished and that the item had been " validated as exact. Placed under Section 1681 ( g ) make sure you grant me with a detailed description of the method useful to confirm the account is " legitimate '' and mail me the name and addresses of persons emailed in every policy in the FCRA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a leter in the mail from Portfolio Recovery dated XX/XX/XXXX stating that they were seeking payment for an alleged credit card debt from XXXX. I have no recollection of the account. The letter states that the default date was XX/XX/XXXX. The amount of the debt is listed as {$6900.00}. The first page of the letter states, " The legal time limit ( statute of limitations ) for suing you to collect this debt has expired. However, if somebody sues you anyway to try to make you pay this debt, court rules require you to tell the court that the statute of limitations has exprired to prevent the creditor from obtaining a judgment ''. It goes on to say, " Even though the statute of limitations has expired you may choose to make payments ''. The letter then goes on to offer various payment options. This alleged debt has not been verified. This alleged debt is also YEARS beyond the statute of limitations. This company has a long and storied history of unethical business practices and I am seeking to have them cease all future contact with me and all efforts to make collection on this alleged debt. I am an XXXX XXXX XXXX widower on a minimal fixed income. The stress of having a collector write to me asking for thousands of dollars is unnerving and unforgiveable.

Company response to consumer: Closed with non-monetary relief