BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfilio Recovery is placing two accounts on my credit report that im not familiar with Account # XXXX and XXXX. Each time I ask for info on debt the send me past due bill and nothing show it belongs to me. They state they are from XXXX XXXX have not had an card with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: LoanCare, LLC
State: MT
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:
Due to covid 19 I had to put my mortgage in forbearance but I was told it would show on my credit negatively

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 2020-05-12
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Submitted my annual Employment Certification Form to FedLoan, which services my federal student loans that are currently in the Public Service Loan Forgiveness program. I have done this each year with no problems ( currently on track to have loans forgiven in XX/XX/2023 ) -- after taking 2 weeks to process the very simple form ( 2 pages ) they wrote back saying that either myself or my employer failed to include the Federal Employer Identification Number ( FEIN ) so I went on the FedLoan website to reupload the form but noticed I could see what I had uploaded to them on my " upload history '' under my account on their website. I looked at the form I submitted and it was clear that the FEIN was included on the submission. I contacted customer service and they advised me to wait up to 10 business days while the account is under review. I would just normally wait, but to me this is such an easily fixable error and their response of saying " just wait 10 more business days '' to correct it, is unacceptable and, frankly, given how it is hard to comprehend how they made the error in the first place ( this is not a long or convoluted form we're talking about ) I don't trust them to get it right the second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: CITIBANK, N.A.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We used our " Best Buy/CitiBank '' credit card for purchases in XXXX, Arkansas. The remaining debt was {$230.00} as of XXXX XXXX, 2017. We went into the store to pay the debt on XXXX XXXX, 2017, but the store was having difficulties with their electronic cashier system. We paid them {$100.00} in cash, and wrote a personal check for the remainder, {$120.00}. The store cashier could not process the check electronically and could not print a receipt for the check. We submitted the check anyway and left the store, assuming the debt was paid. 
Collection calls began several months later, and come usually 2-3 times every day, often after XXXX XXXX. We have explained the situation with the collectors from CitiBank, but they seem to not understand and insist we owe upwards of {$280.00} due to interest and penalties. We have offered several times to immediately pay the {$120.00} because we have confirmed with our bank that the check has never cleared, but we refuse to pay the interest and penalties. And we have demanded that the reports to credit reporting agencies be rescinded. We have asked to speak with a supervisor, but this request has been denied. We will gladly pay the original remaining balance, but not the added interest and penalty. We have now asked that all calls cease immediately, but they have called twice today already. One agent did offer to remove {$39.00} fee, but no more.

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 2021-09-13
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
The ATM At Huntington Bank Destroyed My Check I Made A Claim They Said Wait 10 BUSINESS days I Waited They Said They Couldnt Find The Check So They Couldnt Credit Me But in my complain i clearly stated the atm jammed or something it was malfunctioning it was makin nosies I canceled the transaction it didnt even release my card I had to yank it out the atm my self and had to order a new card and everything I stated the port to the check opened but never released the check I tried to pull it out and it was ripped and destroyed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from XXXX stating this account was closed and I would be receiving a refund. The account for some reason is still being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I made a dispute with XXXX and Trans Union regarding having two open mortgages on my report for the same home loan. My loan was transferred from XXXX XXXX XXXX to XXXX XXXX in XXXX XXXX 2017. I have made numerous attempts to dispute this item and the status remains the same when the account has been closed/transferred and there 's no outstanding balance with XXXX, or its other subsidiaries.

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 2017-11-28
Company: Creditrepair.com, Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I went to credit repair.com to fix my credir. Ive been paying them for almost a year and at first they were helping and my credit was going up but suddenly my credit dropped down dramastically. I called a lawyer regarsing a different problem and she brought to my attention that creditrepair.com is not actually liscensed in the state of connecticut. Now i would like my money back for misleading me into thinking they were able to help when in fact they didnt and honestly couldnt because they are not liscensed in the state i live. The lawyer that i spoke to has tried to call credit repair and no one has responded or even picked up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: EQUIFAX, INC.
State: FL
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:
There are XXXX hard inquries from XXXX XXXX XXXX that are showing on my Equifax report. A authorized soft inquiry was done to open an account. On XXXX 2017 a authorized hard inquiry was placed on my credit report for a credit card which I was denied after asked to step inside of a local branch to provide my identity. But there are XXXX other hard inquiries received once I stepped inside of a local branch after applying. There are a total of XXXX hard inquries on my credit report and I am disputing XXXX of them. A banker is only allowed to pull credit once for a single credit card application. I was not aware of the other XXXX hard inquiries on my credit report and wasnt told that of the number pulls for a single applicarion, until viewing my Equifax report. This is damaging my credit when I have only applied/ authorized one credit pull for one credit card. I currently have an account with XXXX XXXX XXXX and was told a soft inquiry would be pulled to open a bank account and also being given a debit card along with it for that account. A few months later after opening that account. I applied for a credit card recently on XXXX. 2017 and saw that XXXX hard inquires was placed on my credit report at once.One was done twice on the same day. I am requesting for XXXX of them to be removed from my credit report. Not the one which I applied for a credit card with, that should only be XXXX hard inquiry and also a debit card that usually comes with a open checking 's account should. That should not come along with a hard inquiry.The banker did not explain this to me and I was unaware of the additional credit pulling .If I had known this I would not have taken a risk to have a total of XXXX hard inquires from one bank on my credit report, which is damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: NY
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:
Experian is reporting the same debt twice ... Once for XXXX XXXX and once for XXXX XXXX. The debt was sold from XXXX XXXX to XXXX XXXX so XXXX XXXX no longer has collection authority but the debt remains on my report under their name as well as XXXX XXXX. I have settled the debt with XXXX XXXX  and received a release letter. I have disputed this twice with Experian and they will not remove the XXXX XXXX debt.

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 2018-05-02
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here. 

This account is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient has been giving me the back and forth on loans that were with them. They told me my loans had been moved over to XXXX. However, two loans were left with Navient and the way I found out was by getting a XXXX point decrease on my credit score. 

From what I was told by Navient and the news of student loans being paused and loans being moved from under Navient to XXXX, I was under the impression that I would be paying XXXX. These payments havent started yet but Navient put a 120 day late on my credit. 

Please help. 

Attached is a copy of my account record on these accounts with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Experian Information Solutions Inc.
State: LA
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: Other problem getting your report or credit score

Complaint:
I have previously submitted disputes to all three credit bureaus in regards to inaccurate account information. The main issue is that the scores provided by XXXX XXXX from the credit bureaus do not match the scores that are provided to the lender. Examples : 1. Two years ago, I traded in my vehicle. XXXX XXXX listed my scores in the range of XXXX to XXXX. The lender 's letter stated my score was under XXXX. Of course higher interest rate. 2. I applied for a mortgage a few months ago. XXXX XXXX reports my score as XXXX. The lender states that my score needs to be at least XXXX to qualify for a mortgage. The lender declines my application because of score ; under XXXX. 3. My current scores per XXXX XXXX are XXXX and XXXX. Approved for credit with 30 % APR with score of XXXX per lender 's letter. I do not understand how this is right.

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 2018-06-07
Company: EQUIFAX, INC.
State: FL
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:
Please remove the following fraudulent inquiries from my Equifax credit report : XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX and I do not have a contract with LVNV FUNDING LLC plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My tax refund was deposited into someone else 's account, I contacted the IRS they said if the account does not have my name on it the bank is supposed to return the deposit however that was not done. IRS said the bank will need to return the deposit. Chase bank stated that my name is on the deposit however they can not return the deposit because it went into an open and active checking account. It has now been two months, Chase still says there is nothing they can do. The IRS stated they submitted a reclamation however Chase has not returned the funds. I've had a few NSF charges due to my missing deposit but Chase will not assist in any form or manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently pulled my reports and noticed you are reporting the incorrect date of last activity, and incorrect account status for account ( XXXX XXXX XXXXXXXX ). Because the date of last activity, and account status being reported by your company, XXXX and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Also in the creditor remarks you put " Account information disputed by consumer, meets FCRA requirements ''. This account is being reported with inaccurate information is actually violating my FCRA rights, which means this the information being reported should be the same across the board and be 100 % accurate or you are subject to {$1000.00} per violation. Delete this account 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 non-monetary relief
Consumer complaint received 2021-05-26
Company: Experian Information Solutions Inc.
State: KS
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 sent numerous letters to XXXX, Experian, and XXXX regrading a fraudulent XXXX XXXX XXXX account on my credit report. Account number XXXX ... This is not my account this is a result of Identity Theft. I sent all three credit reporting agencies, and the furnisher XXXX my FTC report, report # XXXX. 
XXXX, Experian, and XXXX are all in violation of the Fair and Accurate Credit Transaction Act ( FACT ) which E-Oscar guidelines state, " If a consumer submits an Identity Theft report to a furnisher and states that information maintained by the furnisher resulted from identity theft, the furnisher may not provide the information to any bureau, unless the furnisher is informed by the consumer that the information is correct ''. XXXX, Experian, and XXXX continues to report this account which is hurting my reputation to attain more credit. They keep saying the account is " verified '' as accurate without sending me information of how the account was verified : In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. i asked for The names and business addresses of each individual with whom they verified the information with above, so that I may follow up.The date they contacted the individual funishers of information.The method of communication they used to verify the information. I would also like to know if the furnisher provided you with my SSN, address or DOB. 

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against XXXX, XXXX, and Experian. I have sent 3 previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that they violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

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 2021-09-13
Company: Coinbase, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I have made a purchase to buy crypto using COINBASE I got an email saying my payment was canceled but my bank account was still charged for over {$3000.00} ( money took from my account but no funds in my coinbase account ) coinbase support do not help their customers I have made two purchases with my bank account for {$2000.00} trying to buying Litecoin using coinbase.com I also made three more purchases through XXXX {$1000.00} {$100.00} {$35.00} trying to buy $ AMP i have reached out three time and only get an automated message

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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: EQUIFAX, INC.
State: WY
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:
CREDIT FILE : XX/XX/XXXX Confirmation # XXXX Account # XXXX The results are : We have verified that this item has been reported correctly. 
XXXX XXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; Amount {$62.00} ; This is not a valid reporting. It is fraudulent. I never owed this practice money. XXXX XXXX XXXXXXXX ( see attached ) removed this fraudulent reporting within 5 business days. Equifax took over 15 business days with terrible results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Healthcare Receivables Group, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Healthcare receivables group, XXXX XXXX XXXX XXXX # XXXX XXXX TN XXXX. Was contacted about the alleged debt. Demanded validation and demanded they send me a written bill. They refused and reported it to credit reporting agencies. 

Don't know if I owe this debt since they won't validate but my credit score has dropped over 50 points because of this.

Company response to consumer: Closed with explanation