BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-09
Company: Experian Information Solutions 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:
Unauthorized Inquiries 1XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX 2.XXXX XXXX  XXXX. 
Inquiry date : XX/XX/XXXX 3.XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 4.XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX 5.XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 6.XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX 7XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 8.XXXXXXXX XXXX XXXX   Inquiry date : XX/XX/XXXX 9.XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 11.XXXXXXXX Inquiry date : XX/XX/XXXX 12.XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX 13.XXXX XXXX Inquiry date : XX/XX/XXXX 14.XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 15.XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 16.XXXX XXXX XXXX   XXXX Inquiry date : XX/XX/XXXX 17.XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX 18.XXXX XXXX XXXX   XXXX Inquiry date : XX/XX/XXXX 19.XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 20.XXXX XXXX XXXX XXXX 
Inquiry date : XX/XX/XXXX 21.XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23
Company: EQUIFAX, 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2018-07-19
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been harassed by XXXX XXXX XXXX while at my job. They have called my place of work serval times although I have given them my cell number and requested that since it is a personal matter to contact me personally. They have called spoken with my manager asking them personal questions regarding me being able to make payments. I feel this is out of line and borders on unethical. Besides calling my workplace they called distant relative whom I really keep contact with. When asked how did they come about this information and phone numbers their response always is " We have our ways '' like some type criminal syndicate.

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 2020-09-09
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I filed a dispute with Experian due to my student loan with XXXX XXXX reflected incorrect information ( 90 - 120 days of monthly late payments from XX/XX/XXXX to XX/XX/XXXX that reflects {$11000.00}. I am not disputing the amount owed just the late payment status. I could not understand why each month reflects late for either 90 or 120 days. I disagreed with this information on my credit report. I filed an online dispute with Experian in XX/XX/XXXX. Experian immediately sent me an email stating that they received my dispute on XX/XX/XXXX. I received an email from Experian on XX/XX/XXXX stating they made progress of reviewing my dispute. On XX/XX/XXXX, I contacted Experian and explained to the representative that it has been over 30 days and Experian has not contact me or submitted me the online decision of my dispute. I kindly requested the late payment information be deleted from my student loan account. Based on the FRCA, if a credit bureau ( Experian ) do not submit an reply within 30 days. The disputed information should be deleted off my account. The representative stated that a letter was sent out to me on XX/XX/XXXX. I stated to the representative I filed an online dispute and Experian always replied the results of the dispute to me online for review under my account for completed disputes. I told him I never received a letter in the mail once my dispute had been completed. Please help me with this complaint. I am not trying to get out of paying my student loans. I just want the correct information to be shown on 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 2018-03-08
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have been dealing with the loss draft department at XXXX XXXX XXXX XXXX  and they are practicing unlawful enrichment. harassment, unethical and illegal practices in regards to money that is in a restricted escrow account paid out by my insurance company. They have held on to my money ( over 11,000 ) for over 3 months now even though I have provided all of the necessary paperwork proving I have had the work done. Including inspections etc even the the insurance company and I agreed to a monetary settlement. They give me ridiculous excuses, can't find paperwork, send the inspector with the wrong paperwork etc. I would like an investigation into these illegal practice that that have caused me pain, distress and emotional turmoil

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 2019-06-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2021-03-04
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
https : //www.shellpointllc.com/contact-us/ mortgage company refuses to pickup phone for multiple days. They took over my mortgage service and made mistakes. They refuse to correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hey Im have a problem whit the money of help of coronavirus 19 help for my family this start a XXXX toy day is XX/XX/2021 and they dont give me a solution. Im really need this money bacause Im dont working now about the situation Im trying to fix this problem whit paypal and paypal companie dont give a solution Im really need the help for my family thanks. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: WELLS FARGO & COMPANY
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I have a had XXXX XXXX XXXX since XXXX. I paid it off in XXXX and was sent the vehicle title. My wife and I moved 2 years ago and I can not locate the original title. 
I sent in the form for a replacement title to the Treasurer of XXXX County Iowa along with a check for {$25.00}. I received a letter back saying that there was an open lien with ( Wells Fargo Financial XXXX XXXX XXXX ) and they would need to release the lien. 
I tried to contact Wells Fargo and when I did I was told that Wells Fargo Financial didn't exist anymore it was now part of Wells Fargo. They Transferred me to Wells Fargo XXXX which is also being absorbed by Wells Fargo. When I supplied them with my information ie my SSN I was told they had no record of me in their system. They transferred me back to Wells Fargo customer service. No body there cold help and I was told to go into a local branch to see if someone there could assist me? I tried to set up a meeting online per their guidelines. I was given a number of drop down options as to what my meeting was about but non of them matched the topic. So I had to click on ( other ) which took me back to the same customer service number I originally called. I've gone through this several times and keep getting the same result. I don't feel like anyone at Wells Fargo is very interested in helping me resolve this issue for a 22 year old vehicle? 

No lien shows in any of my credit reports. I paid for a car history report and it shows the transfer of title to me in XXXX and no active lien on the vehicle I'm not sure what else I can do? 
I have someone who wants to purchase the vehicle, but I need a replacement title before I sell. 

I can provide the car history report if you would like to see this? The VIN on the car is : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
RE : Closed Complaint # XXXX Bank of America presented its attorney with many false information and failed t o correct several delinquencies it had created in error. As a result it changed the error delinquency previously reported as 30-day late payment XX/XX/XXXX to 30-day late payment for XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX it made several similar errors which it corrected by XX/XX/XXXX. Among its latest errors are a 30-day late payment for XX/XX/XXXX and a new missed payment reported to the credit bureaus around XX/XX/XXXX during a period when the account no longer exists. The company also denied any knowledge of the payment that I had scheduled for XXXX XX/XX/XXXX but was later advised by its Short Sale representative to cancel owing to the fact that I was not required submit a payment while awaiting closing of the sale initiated between the bank and the purchaser in XX/XX/XXXX ( see attached supporting documents ). 
Please note that the canceled checks paid to Bank of America for the XXXX and XX/XX/XXXX were recently resubmitted to Bank of America via XXXX in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Receivables Outsourcing, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receivables Outsourcing, LLC ( ROI ) frequently places robotic calls with a pre-recorded message without permission. One instance occurred on XX/XX/2018 at XXXX XXXX from XXXX. Once you call back the people are very rude and refuse to admit to breaking the law by using pre-recorded calls without being able to get a live person on the phone. They also attempted to collect a debt that was already paid to the original debtor ( a medical bill ). ROI also was attempting to collect an amount that was more than {$500.00} over what the actual amount owed was, and I verified this by checking my account on the hospital 's website. Bullying tactics and illegal calls are part of this company 's business practices. ROI 's  mailing address is XXXX XXXX XXXX XXXX, MD XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: EQUIFAX, INC.
State: AL
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 have sent numerous letters and disputes regarding two erroneous, inaccurate, and unverifuable accounts listed by XXXX XXXX XXXX. In response to the CFPB XXXX XXXX XXXX finally admitted they do not have the necessary documentation and could not get it from the so called original creditor. They stat3d they were stopping all collection activity and sent a letter they had removed it from all credit bureaus. Equifax received not only their request for deletion, but i also sent them a copy if the letter from XXXX and the CFPB reesponse showing XXXX remived it and requested they do so. Still, equifax refuses to correct this issue and instead has verified it as of XX/XX/2019 even after XXXX has requested its removal and they were provided proof of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: EQUIFAX, INC.
State: MD
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identify theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not served any court summons, I am amazed how they obtained a judgment without me being served the notice to appear.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Atlanticus Services Corporation
State: VA
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 unauthorized credit inquiry from Fortiva/XXXX dating XX/XX/2020. I did not apply for any new credit. I called the creditor and was told that they would remove, however I can not be so sure they will remove as they are the ones that report inaccurate information in the first place. I have frozen all of my I do with all 3 credit bureaus, as well as put a fraud alert on my account. I filed a dispute with XXXX as they are the only bureau as of now showing this fraudulent information. They have an estimated completion date of XX/XX/2020 but any help sooner would be appreciated as I do not want any further fraudulent activity to occur

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Chase refused to accept a wire to the account I have. They said they automatically sent it back to the sending bank. When I asked for the IMAD number they stopped responding. They said they wired it back on XX/XX/XXXX. The same day it was wired. However, the original sending bank said they never received the money. Ive tried to get information and follow up but chase will not provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
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 was paid

Complaint:
Portfolio Recovery Associates accepted payment, in the amount less than owed, in exchange for not reporting negatively on my credit. They told me it could take up to 30 days, but possibly sooner. I asked could it be sooner and was told its possible call us back after it posts. 

Here we are a week after I paid, but I am getting new updates from XXXX that they did not remove the balance but I only updated it. Extending the time they can sue and or report negatively. 

When I called and asked about a department leader to speak to, I was put on hold at XXXX in an attempt to get me to hang up. 

After almost 20 minutes, I got a new operator. Who didnt seem to know what I was talking about at all. 

I only paid to get them to leave me alone. If they arent going to leave me alone. I dont pay a collector to collect. 

How can they take my money, update the money owed, but not remove the debt which l I only paid to remove it. 

Why would I pay to retriever further payment obligations on an expiring debt? 

Exactly. 

The contract was for removal by XX/XX/XXXX. An agent of the company told me that when accepting payment. Now, agents 2 and 3, spoke to today, are stating the earlier they will even contact the credit bureau is XX/XX/XXXX. 

I paid to have it removed by XX/XX/XXXX. If portfolio cant do that, they need to give me my money back or I will just go to the bank, Monday morning, and cancel the payment and never pay them at all. 

Its yall choice. XX/XX/XXXX Im calling XXXX XXXX and never calling, answering, or attempting to pay again. Then, they hung up in my face, while I was writing this, on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: A.R.M. Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Four years ago I signed up for a subscription to the XXXX XXXX XXXX newspaper.

Money was taken out from my credit card, beginning in XX/XX/2014, to cover the upcoming 6 months by easy pay. Except they would take the money from the credit card and then bill me again. The XXXX payment crept down to becoming a XXXX payment. Every 6 months I would have to call and complain. They would tell me they would fix the problem, but it usually didn't get fixed until I sent them copies of my credit card statements, etc.

In XXXX. I cancelled the subscription. Then I called XXXX XXXX and told them not to pay because I had cancelled. I paid {$5.00} for any extra papers I received. XXXX XXXX   said they agreed to the cancellation in XXXX. I did not receive any papers from the day I cancelled. Then the day they settled, they turned me into A.R.M. collection agency asking for the full amount of the 6 month subscription which I didn't get. I had already paid them a prorated rate. I never received any communication from them after I cancelled. Then I received the collection notice.

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 2021-02-24
Company: Simon's Agency, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Simons Agency is refusing to remove the open balance on there end even though it is deleted from my credit report. It say I owe two payments which are false because I went to the XXXX XXXX XXXX in the XXXX XXXX which was a free health clinic. I should have never been charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have contacted Experian to no avail to get two addresses removed that are false. Their phone system has had issues and I was disconnected by the only two agents that were actually willing to help. After a total of four frustrating phone calls, I was told by every other agent that they have to follow policy and can not remove an address that a creditor is reporting. I advised them that I had contacted all of the creditors associated with the false addresses by phone and certified mail and they still had not updated. I had no issue with XXXX  or XXXX  with this, yet Experian still flat out refused to remove the last two INCORRECT and false addresses. They said this must come from the creditor. My first time contacting Experian about this issues was XX/XX/18 and the second time was XX/XX/2018.

I advised Experian that they should not be reporting false information- still no resolution aside from them continuing to tell me to contact the creditors which I had already done so over 60 days prior and 3 weeks prior.

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