BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT SYSTEMS INTL IN is reporting 4 accounts on my consumer credit report. I do not know who this company is. I have NEVER given written or verbal consent to anyone to pass my information along to this 3rd party company. I do not owe this company anything, I have never received any service from this company. Therefor. this company is furnishing unauthorized and inaccurate information on my credit report that would be resulting to identity theft.

The 4 accounts that are being reported : Account number : XXXX XXXX {$63.00} Account number : XXXX XX/XX/15 - {$120.00} Account number : XXXX XXXX {$250.00} Account number : XXXX XX/XX/15 - {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Dealing with Navient as my student loan servicing company has been very frustrated. I borrowed money to pay for some classes that I needed in order to complete certification requirements. I took few months off from studying and called Navient to see if I can postpone my payment because I was planning to return to my studies in less than two months. They suggested that I apply to forbearance and so I did. They granted me two months but failed to inform me that they will be reporting late payments to my credit bureau. This is inaccurate and should not be happening. My credit was drastically damaged from a score of XXXX to XXXX. I could not believe my eyes when I saw my credit score. I called Navient and no one was able to help me solve my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
They didnt do anything about 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 2018-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My Husband who was my boyfriend at the time was XXXX XXXX XXXX XXXX  and XXXX   XX/XX/2016 and had XXXX. He needed assistance for XXXX XXXX, etc and could not be left alone. I lost my job to take care of him and help him with at home therapy. After becoming behind in payments with XXXX XXXX   I informed company I was no longer employed but wanted to pay and keep vehicle. But they wouldn't wait so had no choice but to let them come and get vehicle back. They repo truck i believe XXXX, and I became employed end of XXXX maybe beginning of XXXX. I was told i only owed around {$500.00} to keep vehicle from being repo. By then I had to get another vehicle to continue working so then i could not afford rent & bills, healthcare, new car payment and etc. They wouldnt wait and {$500.00} is what got my vehicle repo now the statement on the account shows sent to collections and the amount is different. It is negatively impacting my credit and keeping me from getting a home/mortgage.

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 2018-07-10
Company: Bridgecrest Acceptance Corporation
State: MD
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:
Filed bankruptcy in XX/XX/XXXX which was eventually dismissed ; auto loan company has not reported payment history since then even though they were notified that the bankruptcy had been dismissed. Approximately XX/XX/XXXX Bridgecrest Acceptance Corporation provided a " Letter of Credit '' via email in lieu of reporting the open tradeline. The company indicated that the account was paid " 1 time 30 days late ''. On XX/XX/XXXX I received a hard copy letter that indicated the account was paid " 4 times 30 days late ''. I have sent written correspondence via email to have this corrected ; I have received no response to date with regard to that matter. However, the company still continues to make repeated, harassing calls several times of day, 4-5 messages and are relentless with requesting payment. I would like for the company to report ACCURATE information, as it is clear that their record keeping is egregious.

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 2020-07-04
Company: AXOS FINANCIAL, INC.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Through most of XXXX my XXXX  ( XXXX XXXX XXXX, registered in Delaware ) had a checking and savings account with Axos bank. The account was closed at the end of XXXX or beginning of XXXX and now I can no longer access the records online. 

I have been trying to get my XXXX, XXXX, and XXXX bank statements from Axos bank for a few months now and they wont send them. I need them for an impending financial audit which is critical to my business. 

On XXXX XXXX, I first called their customer service line ( XXXX ) and requested they send me my account statements in digital form for all of XXXX, XXXX, and XXXX for by business savings and checking accounts associated with XXXX XXXX XXXX. I was assured by their staff that it would be sent within a few business days in electronic form. I called again on XX/XX/XXXX and XXXX and both times was assured they would be sent electronically. Since then, I have also sent repeated messages via the secure message portal associated with the account. In each case I received a message assuring me the statements were on the way. In one case, someone said they had sent paper version but as I am not home and requested digital, these is of no help. 

I also sent the attached letter, which received no reply. 

To this date I have not received my statements and don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Aargon Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
mishandled, or incorrectly billed, by the doctor 's office, as acknowledged by the office later : I came in for an XXXX XXXX ( as agreed with the doctors on staff ) and intended to get the XXXX XXXX XXXX and XXXX   XXXX  that would go with such a visit ( and would be covered by my insurance as part of such a visit. ) As I found out later, the doctors/nurses on-call did not file my visit properly as my XXXX XXXX and I believe they requested a particular XXXX XXXX  that would not normally be included within the covered panel - I did not specifically request that test. I specifically requested and agreed to have my XXXX XXXX and the covered XXXX  checks. 

I got in touch with XXXX  ( and XXXX  's parent company XXXX  ) to resolve this bill as soon as I received it in the mail - there is an email record of my correspondence with them and I am searching through my phone records to find evidence of our calls as well. After looking into the situation, a XXXX  operator named XXXX XXXX confirmed with me that these billings would be resolved by XXXX   without me owing any further costs - that the visit would be properly re-filed as my XXXX XXXX and that the XXXX XXXX with XXXX XXXX had been resolved - they told me my bill was cleared. 

Now, more than a year later, I just got an alert from XXXX  of a 30pt cut to my credit score because of a past due bill with Aargon, and that is being listed as tied to XXXX XXXX. 

I tried calling Aargon and was told, first of all, that they had taken this debt on XX/XX/XXXX - but yet I had not been contacted about it or given any chance to resolve it before it was past due, damaging my credit, until I called them today, XX/XX/XXXX. Furthermore, they refused to give me any help in tracking down how this bill had been forwarded to them or who to contact about resolving it - I have never spoken to anyone from XXXX XXXX. 

If possible, I would have filed this complaint against XXXX, XXXX, AND Aargon - but I most of all want to find out how to resolve this and rectify the damage to my credit score. I have been dilligently building my credit for years now with excellent payment history against my credit cards and student debt and I am hugely perturbed to be hit with this surprise. If I had fairly incurred this expense in XXXX, I would have immediately paid it - and, frankly, if I hadn't been told that it was completely resolved, regardless of whether I'd incurred it, I probably would have just paid it before letting it do this damage to my credit score. How can these companies file these things against me without me never having received a call, an email, a bill in the mail or any opportunity even to resolve 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 2020-11-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I went in to get an oil change and they told me my XXXX  XXXX XXXX XXXX had a broken rear axle and they couldnt let me live with it because Id be liable so they offered to let me buy a new car its owe me a new car the contract fell through then they made made me sign a contract and I refuse to for two months The anti-stop doesnt work Ive been in two accidents because of it they refused to fix it they refuse to talk to me it will only talk to my ex husband thats not on the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter dated XX/XX/2021 Stating that I owe a debt of {$980.00} to a credit agency. I do not have a contractional agreement to pay Dynamic Recovery Solutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
During Covid I have never been late on any of my debt responsibilities, effectively I have decreased my monthly credit usage from 44 % to 9 % as of XX/XX/2021. Experian, XXXX, and XXXX continues to oppress my fico scores, Experian decreased my score by 1 % after I paid down my monthly debt. I submitted an dispute with XXXX over 45 days and never received any response. I feel as if Im being discriminated against by race and gender. When submitting my disputes I always send in a copy of my photo id to prove my identity. I worked extremely hard to increase my fico score, so I can obtain reasonable interest rates to purchase necessities. Also, either credit reporting agency never bothered to contact the company that determines the fico scores after my credit usage decreased to alert them of the decision to decrease my score. Credit usage makes up 35 % of my reporting fico score. Experian website says they recommend credit usage below 10 % is considered to be excellent. Im not being treated fairly with neither credit reporting agency concerning my restoration of establishing credit worthiness.

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 2020-05-13
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a letter from the debt collector, Weltman, Weinberg , & Reis Co., LPA. The letter stated that they were attempting to collect a debt for XXXX XXXX  in the amount of {$4300.00}. To dispute this false charge and account, I filed a police report, listing XXXX XXXX  and the amount owed. I was contacted by Weltman, Weinberg , & Reis Co., LPA on XX/XX/XXXX by a representative urging me that I needed to pay the amount owed. After speaking with my credit monitoring service, I then requested an identity theft packet from Weltman. Weinberg, & Reis in regards to the falsely opened XXXX XXXX   account. On XX/XX/XXXX, I spoke to another representative from Weltman, Weinberg, & Reis and inquired about the identity theft packet because it had  not yet been received. On XX/XX/XXXX, I received the identity theft packet with the following instructions : to include a police report and file an Affidavit of Fraud under the Federal Trade Commission. I mailed the identity theft packet with the appropriate documents to the address listed by Weltman, Weinberg, & Reis. On XX/XX/XXXX, I received a letter from Weltman, Weinberg , & Reis saying my claim has been deemed invalid. I then called Weltman, Weinberg , & Reis and questioned why it was deemed invalid, to which they refused to give any information. I then contacted XXXX XXXX  to find out information about the claim that had been deemed invalid, to which I have been given zero information and placed on long holds and transferred from department to department. I did not create the account for XXXX XXXX  and my goal is to get this fraudulent activity removed from my credit reports and get this fraudulent account fully closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
There are many mistakes appear in my report without my understanding.

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 2018-07-10
Company: AFNI INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do not know this company with a balance of {$130.00}. I was never notified, so therefore I do not know who this debt is with or from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXXXXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$9800.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX   XXXX XX/XX/XXXX XX/XX/XXXX {$1200.00} XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$850.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX {$1800.00}

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 2018-07-10
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX of 2018 I was issued a new American Express Corporate Card ( AmEx ). On XX/XX/18, I rented a car and the car rental company charged my Corporate Card. When the statement arrived, I paid the amount in full of {$82.00} on XX/XX/18. 
An email statement was received from American Express in mid-XXXX with a {$82.00} balance. Immediately, I called AmEx to verify payment and they informed me the payment I previously made did not post to the account. After gathering info from my bank transaction, I contacted our corporate administrator and after some research, the administrator informed me I paid the amount to my previous American Express Corporate Card account. 
On the same day, I contacted an AmEx representative, was informed AmEx could not either apply the amount from the old account to the new account, nor are they able to electronically transfer the funds back into my bank account and working with a representative, a check was going to be mailed to me for the balance of {$82.00} from the previous card. 
On XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 and XX/XX/18 I contacted AmEx because I did not receive the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
On XX/XX/2021 Infiniti of XXXX initiated an unauthorized inquiry to my consumer report on behalf of I, consumer, XXXX XXXX without permissible purpose. I have attempted to fix this issue with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I have sent disputes to the credit bureaus because of several inaccurate information from on credit report and they haven't answered

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 2021-01-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it. Yes, if it has been 30 days since the final payment resolving your account successfully posted, PRA requested the credit reporting agencies delete the PRA tradeline related to your account from your credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) This a violation to report a past due status on a collection account. 
Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.

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 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  TransUnion they would not take nothing off I gave police report identity theft report you're not paying me no attention I've been going through this the last two years

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 2018-02-09
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
You've paid off -28 % of your collection amount. 
Balance {$1500.00} Highest Balance {$1200.00} Opened XX/XX/XXXX ( 3 yrs, 11 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer  disputes this account information Medical Original Creditor Name XXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX - {$150.00} Original creditor : XXXX XXXX XXXX XXXX Overview You've paid off -27 % of your collection amount. 
Balance {$150.00} Highest Balance {$120.00} Opened XX/XX/XXXX ( 4 yrs, 5 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Medical Original Creditor Name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation