BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-26
Company: Delta Management Associates, Inc.
State: DC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Basically, a company called " Delta Management '' had been calling me saying I owed money because I had a defaulted state loan from the XXXX XXXX XXXX XXXX. They said the debt was not paid on time, so they took the loan, they said they tagged extra money onto the loan, and I need to pay it. I asked if it was a scam, because they ask me my birthday, SSN, before they say anything, and it seemed very sketchy at first. But I have been paying XXXX $ /month for years now. I saw some people review online that the company was a scam, and I just wanted to make sure I haven't been scammed. Can you please help me with this issue? I am happy to provide my information later.

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 2020-11-14
Company: Expedite Financial, 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:
This XXXX  XXXX account no. # XXXX was opened in XXXX and it was closed in XXXX by the creditor and no payments were made on it since that time. I started disputing this account in XXXX with XXXX XXXX and based on the date of activity in XXXX this account became obsolete and should have been automatically removed in XXXX. I disputed this account again in XXXX with XXXX XXXX, and XXXX  and still received no results. They keep passing this account on leaving it open.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-26
Company: EQUIFAX, INC.
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 contacted XXXX and asked to find out why my credit report was denied. I got reply saying they will contact me by mail. I told them I will send out one more request for up dated report copied sin and provincial card both front and back tones of times. All I keep getting is your request was denied. This is ticking me off. I have paid XXXX XXXX every month for XXXX XXXX and XXXX XXXX now XXXX XXXX. I got other agencies on report as well. I need to know if the XXXX and XXXX XXXX have been reported of payments since credit XXXX has allowed me on program. Thanks.XX/XX/XXXX18 sent mail out again asking for up dated request please send out asap thanks when gotten :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Werent charged overstated fees which I didnt make and they closed my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: JPMORGAN CHASE & CO.
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: COLLECTIONS UNLIMITED OF TEXAS 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: Information belongs to someone else

Complaint:
The account COLLECTIONS UNLIMITED is not my account. The account does not belong to me. This means that I was not the person which had this account with COLLECTIONS UNLIMITED. COLLECTIONS UNLIMITED has reported this account to my credit report but this account was not opened by me. I did not give authorization for anyone else to open this account. Therefore the COLLECTIONS UNLIMITED account must be deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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/XXXX, after pulling my credit report with a mortgage company, I discovered an unknown credit card account on my credit report. The alleged account name is : XXXX XXXX, allegedly opened on XX/XX/XXXX On XX/XX/XXXX, I started my dispute journey with the credit bureaus. I submitted my dispute package. 

On XX/XX/XXXX, I pulled an updated credit report to see the changes, unfortunately, XXXX & TRANSUNION have not removed it from my credit report.

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 2020-07-03
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020, i received an alert from my credit monitoring service regarding the company Receivables Performance taking action to collect an unknown debt owed. I was a victim on identity fraud in the past and have a current statement on all 3 credit agencies already. This company has refused to show proof or signature of any debt i owe to them. I have tried to dispute and reach out to them but they have been unwilling to provide any real proof of this debt to me. The amount they believe i currently owe is {$2300.00}. I have worked hard over the years to repair my credit from fraud, and refuse to let a company or debt collector tarnish my hard work. Please address the issue with said company and help me remove this fraudulent debt. Companies like this make it hard for people like myself to move forward in our financial and business endeavors. The address of the company is : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX is thier contact number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with DISCOVERBANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and DISCOVERBANK with no successful resolution. All 3 bureaus are reporting me late. There was definitely an error on their part. I was never 30 days late last XX/XX/2015.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
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: Public record information inaccurate

Complaint:
Pull Report and notice that there is Bankruptcy listed on my credit report. The United States Bankruptcy court notified me that they do not provide credit reporting to agencies. In turn, I notified XXXX, Equifax, and XXXX  of this finding, with no change to their credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
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: Information belongs to someone else

Complaint:
I have an account showing on my credit report for XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. 

New Balance {$37000.00} Minimum Payment Due {$740.00} Payment Due Date XX/XX/2020.

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 2019-03-27
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
left vm on XX/XX/19 at XXXX to call Balanced Health at XXXX. Then called again from phone # XXXX at XXXX, then phoned again at XXXX from phone # XXXX. I have never received any mail correspondence from these people and when I asked for it today I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been a US Bank valued customer since XXXX in good standing. XX/XX/XXXX I decided to close my checking account by calling US Bank customer service hotline. The customer service representative confirmed I did not have any pending transaction on my account and I can proceed with account closing. The representative also mentioned that the balance on the checking account will be mailed to me in the form of a check.

30-40 days after I successfully closed my account with US Bank and received balance amount by mail I received also a letter from US Bank stating that I owe US Bank {$92.00}.

The matter is customer service representative violated account closing policy by not verifying that there was a pending transaction. Instead, by verifying that there is a {$92.00} pending transaction I supposed have not been granted permission to close the account for up to 180 days according to the US Bank account policy and regulations till all pending credit or debit transactions are posted on my account.

Once I received the letter stating I owe {$92.00} to US Bank I called US Bank Recovery department at XXXX and paid the balance in full right away without disputing it. I thought I took care of the issue. However, on XXXX I applied for XXXX XXXX XXXX checking and savings accounts and was denied service based on the information on my XXXX report. 
I requested a copy of the report and I see that US Bank reported that I ABUSED my US Bank checking account on XX/XX/XXXX. I contacted US Bank Recovery department to get the explanation how and in what way i have ever abused my checking account. No explanation was provided. XXXX- representative, FAILED to confirm and explain I have ABUSED the account. 
Instead, they stated US Bank closed the account because the balance went negative - {$92.00} on XXXX. It does not make sense. Since I, as a consumer, requested to close my account sometime end of XX/XX/XXXX. 

The bank representatives do not treat me with fair practices. I was provided with US Bank Recovery department supervisor name and the phone number to resolve the issue. I have been calling XXXX twice a day during regular working hours for the last 5 days in a row and leaving XXXX ( supervisor - ext. XXXX ) voicemails every single time. I was not able to get hold of her and she never ever called me back after receiving of total 10 voice massages from me.

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 2020-05-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Enclosed is a copy of my Identity

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I sent this company my dispute letter on XX/XX/XXXX. The letter i sent them explained in detail all derogatory accounts that needed deletion/removal from my credit file and why? 
I attached with it all the relevant documentation as evidence/proof of what I was disputing. But to my surprise, This company continued to report all the derogatory accounts without even investigating my claims. 
This letter is a written proof of my intention to find a resolution with this company without filing a lawsuit. As a result, I am ready to file suit if this company still continues to report this erroneous accounts. 

For yet another time, the following accounts are erroneous : XXXX ACC XXXX, Date Opened XX/XX/XXXX, Balance {$570000.00} XXXX ACC XXXX - Date Opened XX/XX/XXXX, Highest Balance {$31000.00} XXXX XXXX XXXX ACC XXXX Date Opened XX/XX/XXXX, Balance {$12000.00} XXXX XXXX   XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$14000.00} XXXX XXXX XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$7200.00} XXXX XXXX XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$13000.00} XXXX XXXX XXXX ACC XXXX , Date Opened XX/XX/XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX ACC XXXX- Date Opened XX/XX/XXXX, Balance {$11000.00} I have Attached herewith the dispute letter I sent to this company on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
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:
Credit Bureau has failed to respond in a timely manner to my dispute letter. I have sent letters 3 times. No result. 

1. The wrong amount is being reported XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

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 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureaus are being bullies when I disputed the items on my credit according to the FCRA yet they keep telling me things are accurate without proof. What are my options?

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 2020-05-27
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am totally getting tired of the lies and this premature back and forth. You are responding to a federal institution, the CFPB, making absolutely false statements without providing any documents to back your fraudulent claims. 
Attached is a document that showed that the last time I did any business with CashNet was back in XXXX. Unless you can provide a contractual agreement SIGNED by me on XX/XX/XXXX, you are knowingly providing false statement to the CFPB. You are also, perhaps, knowingly re-aging an account and must I remind you that is illegal and against federal law. 
In response to complaint number XXXX, you claimed that you made no communication attempts regarding this account since XX/XX/XXXX. That too is a lie and attached is a document that proves otherwise. Contacting me during the validation phase of an allege account was illegal and showcases your total disregard of the law. 
Hence, since you have chosen to engage in illegal business practices and making false statements to the CFPB, I am bringing it to your attention that all of our communications and documents I have will be forwarded to the FTC and the office of the Attorney General of Missouri.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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: Information belongs to someone else

Complaint:
These accounts were opened without my knowledge or consent affecting my credit score and ability to rent a home, finance a car among other things affecting my day to day life!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I closed the American Express credit card after being an good customer for numerous years. They continued to charge me an annual fee of {$500.00}, interest charges, and legal fees ( approximately {$1400.00} ). 

American Express representatives harassed me, my brother, my parents, former coworkers, and friends on a daily ( and sometimes hourly basis ) even after they were told on numerous occasions not to contact people about my personal financial issues. They would tell these people they were attempting to collect a debt and leave long voicemail messages when people would not answer. 

Then, they filed a court case against me for their own administration and legal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: IN
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX   XXXX {$720.00}

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