BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-28
Company: The CBE Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a final incorrect invoice from XXXX, dated XX/XX/XXXX after cancelling my service with them and returning all of their equipment on XX/XX/XXXX. Upon receiving the invoice I tried unsuccessfully to get the balance corrected by phone but eventually ( XX/XX/XXXX ) had to go in person to one of their offices with all my paper work, which proved that the service had been terminated and their equipment returned on the dates I had claimed they were. One of their agents reviewed my account and the paperwork I had brought in, decided I was correct and put in for a credit to remove the overcharges. Two days later ( XX/XX/XXXX ) I received an email from XXXX acknowledging that I had received a credit for {$93.00} which would be reflected on my next invoice, leaving a balance due of {$0.00} on my account. When I did not receive a next invoice, I went online and printed out the final invoice which did show the both that the credit was issued, and applied to my account and that the balance due was now {$0.00}. Despite this I was contacted a short time later ( XX/XX/XXXX ) by a debt collector, ( XXXX XXXX XXXX XXXX   XXXX, XXXX. ) hired by XXXX requesting payment on the original amount. After sending all my paperwork to them they dropped collection efforts. Three months later I received a new collection letter from a new collection agency, CBE Group, dated XX/XX/XXXX for the same {$93.00}, XXXX 's billing error, which they had corrected on XX/XX/XXXX. On XX/XX/XXXX I sent in all the same paperwork, proving that there was no debt with a letter explaining the situation to CBE, however instead of dropping the matter they have continued sending me collection letters for the original amount the latest one dated XX/XX/XXXX. 
The debt collector trying to collect the fictitious debt is : THE CBE GROUP , INC . 
XXXX XXXX XXXX XXXX XXXX, IA. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
Incorrect address and information listed on my consumer 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 2019-07-16
Company: Westlake Services, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I thought I had paid off my truck loan on the XX/XX/2019. The company sent me a bill that stated my payoff was {$47.00} by the XX/XX/XXXX, so I paid that day the XX/XX/XXXX by debit card for {$47.00}. I checked my bank account and it stated pending transaction, I had over {$5000.00} in the account. I received a phone call yesterday XX/XX/XXXX stating I owed a past due amount of {$160.00} with no late fees!? I called and stated that I had paid off the loan on the XXXX for {$47.00}, but when I went to get the proof of the payoff from my account there was no transaction on my statement. Now they say I have to pay the {$160.00}, what if anything can I do in this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXXBalance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: STERLING JEWELERS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Me and my husband both have Jared the Galleria of Jewler accounts we had been paying accounts and some confusion happened and payments were accidentally made to the wrong accounts. We are trying to close on a house and were made aware of this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I really dont remember the date but it was around maybe XXXX or XX/XX/2020 and I took out a loan and I came the following month and pay the entire lawn and I thought that was it a month later I get a call and the lady from the California check cashing Place in XXXX California told me I still owe {$32.00} and I was just blown away because Ive never had to deal with anything or anyone like this and now Im being harassed by whoever they turned it over to creditors I was a disrespected Im just not understanding whats going on here they act like gangsters predators

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I was contacted by this company informing me I had a debt from Fifth Third Bank in the amount of {$920.00}. The collector immediately started threatening to file in court if I did not immediately settle the debt. I do not believe this debt is valid and the company is not allowing any opportunity to dispute the debt. The only information they are willing to provide is an account number they claim is a fifth third account. However upon contacting Fifth Third, on XX/XX/2022 I found this number is not a valid account number with Fifth Third. I also received a letter today again stating that this debt would be filed in court. Upon calling the company I was told they dont have to provide any validation of the debt and if it wasnt paid immediately it would be filed in court. I have attached a copy of the letter received for information. 

I did have an account with Fifth Third many years ago, but if there was any outstanding balance on it, it would have been included and discharged in bankruptcy approximately 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ON MY EXPERIAN AND XXXX CREDIT REPORTS : I have a fraudulent account, original creditor XXXX XXXX acct no XXXX. 
I have never ordered any product or service from this company.This account should be deleted for error of the creditor or someone has misused my information.I have NEVER received any merchandise from this company.

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 2020-04-23
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XXXX of XX/XX/2020, I went deposit {$900.00} to my checking account ( TD Bank ) there were few people inside of the bank but did not allow anyone inside of the bank, I was using the Atm to do the deposit the Atm took the {$900.00} plus the Atm card i knock at the door for someone to come and help me they don't want to come out, after 5 minutes one of them open just to hear what i have to say, i explained to her, said she can't help me they can only file a claim for me but she can't do it cause it Saturday, she went to check if she can get the atm card, came back say she didn't find the card went for a 2nd time came with my atm card i asked about the money said she does not have access to open the Atm machine, ok i call Td bank did the claim, they told me it's will take 5 to 10 business days to get the money back on the XXXX of XXXX they only deposit {$440.00} to my account, when I called them said that's the only money they can give me, so they did an other claim on the XXXX of XXXX I received a mail on XXXX of XXXX said the claim is dined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reference : Acc XXXX XXXX XXXX XXXX XXXX Disputes Department XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX is in violation of the Texas finance code Sec. 392.101 this  company does not have an active surety bond to collect a debt in the great state of texas and Section 392.101 of the Texas Finance Code clearly prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
This number keeps calling me about my prequalified status to change the qualifications for forgiveness or loan discharge. I have not made consistent payments for the last XXXX years so I do believe this is a scam. 

XX/XX/XXXX XXXX PM XXXX XXXX XXXX XXXX XXXX, left message for me to return call at XXXX XX/XX/XXXX XXXX AM XXXX XXXX XXXX left message for me to return call at XXXX XX/XX/XXXX XXXX PM XXXX XXXX XXXX left message for me to return call at XXXX XX/XX/XXXX XXXX PM XXXX XXXX XXXX left message for me to return call at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: SCA Collections, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sca Collections Inc - Not my account, never received anything verifying this is a debt or its relation to me. This is a strict violation of FDCPA and FCRA.

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 2019-08-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 non-monetary relief
Consumer complaint received 2017-07-10
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
They want me to pay over {$100.00} a month for loans but I 'm barely making it out in the real world. I went to school for   XXXX   XXXX   but not working in my field because they say I did have enough experience so I had to take a finance job because could no longer find work as a   XXXX   XXXX   because lack experience

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Equifax has removed a collection from my account a year ago & just recently it has been reinserted without sending a notification within ( 5 ) days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: CA
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:
The company is Equifax Information Services LLC, in XXXX, GA. I tried to get my credit report through their website. Unfortunately, when I got to the segment where they gave a confirmation/registration number to continue, I had to close out of the ( Equifax ) XXXX in order to open my email to get the number, since I only had one window open. Please be advised, on their program it stated that I had up to XXXX minutes to input the confirmation/ registration number. 

When I went back to the Equifax program, it would not allow me to continue ; instead it gave me the number XXXX to call. When I called this number, I could not move forward because when I responded to the instructions, the machine kept repeating the same question. Please be aware, I tried this on several different occasions to make sure that it wasn't my problem. 

I am desperate to get a copy of my credit report from Equifax, since I found some major mistakes on my report from XXXX ( which they are working on ) that have negatively affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
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 recently had a consumer support notice that I had not paid a bill. In researching my credit report on XXXX XXXX I found a closed account through XXXX under the name of XXXX XXXX for approx {$810.00}, in contacting this creditor I was told that this account was associated with my social and my address but this is not my name. They stated that the account had been opened with XXXX and that they would send me a statement that I have recently received. the statement clearly shows the account was opened under XXXX XXXX  and I have never used this name, my only names ever used are XXXX XXXX ( XXXX Name ) and XXXX XXXX ( Married name ) which can easily be seen on my credit history. 

This account was open for only 3 months and then closed in XXXX and has never had a payment made on it. I let this credit company know that this was not my account and they stated that everything but the name matched so they would not assist me. 

I have since opened several disputes with Transunion and XXXX in which they updated incorrect information such as an address associated with me in XXXX Arizona that is not an address or a state I have ever lived. They refuse to remove this account from my credit history and claim that it is mine but it is not my account. I have had a strong credit history for years now and this is damaging it and I do not want to pay money for an account that is fraudulent and was never applied by me. The fact that the last name is a name I have never used should be a telling sign that this is not my account along with the fact that I have not been late on any payments with any CC companies for years now even through the COVID shut down. 

I have since put a year-long credit fraud alert on my account but I am not sure how to remove this fraudulent charge but I do not feel that it is right that I should be hit with the damage from someone committing fraud against XXXX when they approved a card that does not match both my first and last name.

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 2022-04-28
Company: Experian Information Solutions Inc.
State: MI
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 sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INCORRECT INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance Owed : {$440.00}

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 non-monetary relief
Consumer complaint received 2022-04-28
Company: TOWNEBANK
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My bank accounts were hacked by a scammer for XXXX dollars on XX/XX/2021. The scammer instructed me to purchase gift cards and give him the information on the back in orde to have my accounts refunded. He also wrote 3 checks for XXXX dollars to people I didn't know. He got into my phone to set up an online banking account and moved money from my savings account and transferred it into my checking account to have the money available for me to use my debit card to purchase the gift cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: AL
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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: Old information reappears or never goes away

Complaint:
Experian is reporting an item from XXXX that should have been legally removed after 7 years. Delinquency date is XX/XX/XXXX. Every time I dispute they recertify the debt. Please see attachment from Experian. They don't even list accurate information just says 180 days past due as of XX/XX/XXXX. This debt has been past due since XX/XX/XXXX. XXXX and XXXX have removed this item from my credit reports.

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