BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-23
Company: National Credit Adjusters, LLC
State: CA
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 have no legal binding accounts or debt with this company and no accounts with the account number of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX, I purchased a phone number from the XXXX store because my old number was disactivated but I didn't like the number I bought so I tried to change but they told me that I needed to pay a fee of XXXX $ to open a new account and get a new number so I did, I payed the XXXX $ and I bought myself a new phone number but the lady helping me out forgot to disactivate the other number so XXXX charged me for every month even though I was not using the phone number. In summary I was charged a debt of XXXX $ for a phone number ( postpaid ) I was not even using because some lady forgot to disactivate it ... I tried a hundred times to dispute the transaction, I talked with 20 or more people on the phone contacted their debt collector company called " convergent outsourcing '' and they kept refusing to give me an explanation for the debt, they didn't know why I was being charged, they even told me that they conducted an investigation and that they sent me a mail to my mailbox but I did not receive anything. They ended up offering me a discount of XXXX $ and pay XXXX $ to clear the debt. I kept arguing with XXXX and convergent on the phone in vein. I was obliged to pay the debt of XXXX $ because they would eventually charge me the debt. If I hadn't payed the debt they would have pursued 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 2021-12-16
Company: JPMORGAN CHASE & CO.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from someone claiming to be a lawyer from the XXXX XXXX XXXX XXXX When I called back a man named XXXX XXXX, claimed I owed him {$22000.00} on a chase credit card debt from 2004 He said he was coming to my house to collect the money and if I wasnt there he would be tracking me with his cell phone He demanded that I pay him in full at the moment without providing me any information I had an old debt with Chase from 2004 which was resolved maybe 15 years ago though the debt was sold off to a company called a Unifund. This person XXXX XXXX claim to be a paralegal and working for a law firm that simply does not exist He threatened me he called me a liar he told me I was unworthy that I would be punished that he would track me by my cell phone at work or at home and regardless of who was there he would demand that I pay him the money This was an incredibly disturbing interaction and this man should be stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Chime Financial Inc
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Wednesday XX/XX/XXXX I received a email from Chime stating they were closing my account stating I am not in compliance with their internal policies. This is what the email stated : After a recent review, your account was found to be not in compliance with Chime 's internal policies and your account agreement. Your account has been closed by Chime and is not eligible for a refund. For more information please review the section titled Amendment and Cancellation in the Chime Deposit Account Agreement : https : XXXX. To potentially access any remaining funds provide context and docs proving authorization of the following transaction ( s ) : XXXX XXXX XXXX {$650.00} XX/XX/2021 Kind Regards, XXXX | Chime Support I went back and forth through automated emails and finally got someone to tell me what I need to provide. So I provided a picture of my original unemployment letter, picture of my photo ID and photo of a bill with my address. Unemployment payment have been being deposited to this same account since XXXX without any issues. I can not contact anyone by phone. I did call XXXX unemployment and they have no idea why my bank is asking for additional information and will not return my funds. A deposit for my XXXX  child tax credit is what they now have holding. I can not access the exact amount of what was in the account but it was about {$450.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I just called the student loan provider because I noticed that I had forbearance on my account, he said oh that is just an administrative one because you are waiting to hear back about your IBR. I double checked to make sure that I was not being charged because I did not want to be in forbearance I just wanted to get into IBR.

He double checked with his supervisor and found out that I actually was being charged for one month of forbearance ( XXXX ) because I was behind on my payment before I applied for IBR. Which is a whole other story because they lost my application the first round inXX/XX/XXXX so when I reapplied in XX/XX/XXXX I hadnt paid the past month because on their website it said that my application was processing. When I talked to the servicer that time she just send oh just resend your paystub and I will get the application moving. Not saying a word to me about putting me into forbearance.

Now on XX/XX/XXXX I called to double check the progress of my IBR and when he cam back to the phone and let me know I was being charged I asked him if there was anything I could do because I had already had this conversation a month ago and thought it had been figured out and now I am being charge XXXX  to get to a IBR plan which was because I couldnt afford it in the first place.

He then let me know that while he definitely agrees what happened to be was wrong and how he believes me that my application was lost the first time that it was honestly an unwinnable case against the company because there is no documentation from the processing department saying they every received my first application so I would have nothing to show to say that I was wronged. He then added that it would only be XXXX  a payment in the future on my loans so is it really worth it? He also added that to continue moving my application along they were missing how often I get paid and the application would not have been able to move along had I not called. They also had never informed me of this or sent me any notification about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my credit report, which I recently obtained and found several negative items that are impacting my credit score. I would like to address these issues and request that the following items be either clarified or removed from my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX  XXXX Account Number : XXXX, XXXX. XXXX  XXXX Account Number : XXXX, and XXXX. XXXX  XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to request verification of these accounts, including the name and number associated with each account. If these accounts can not be verified, they must be removed from my credit report. 

XXXX Date of inquiry : XX/XX/XXXX and XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX - Pursuant to FCRA 605 ( a ) ( 5 ), inquiries can only remain on my credit report for up to two years from the date of inquiry. As these inquiries have reached the statute of limitations, they must be removed from my credit report. 

XXXX Account Number : XXXX and XXXX. XXXX XXXX Account Number : XXXX - Pursuant to FCRA XXXX ( a ) ( XXXX ) ( A ), I am entitled to request verification of these accounts, including the name and number associated with each account. If these accounts can not be verified, they must be removed from my credit report. 

XXXX XXXX  Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to request verification of this account, including the name and number associated with the account. If this account can not be verified, it must be removed from my credit report. 

XXXX Account Number : XXXX - Pursuant to FCRA 611 ( a ) ( 2 ), I am entitled to request an investigation to confirm that this account belongs to me. If the account can not be verified, it must be removed from my credit report. 

I request that you investigate these matters and take appropriate action to ensure that my credit report is accurate and up-to-date. Thank you for your attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2017-07-10
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
XXXX XXXX IS FAILING TO REPORT MY AUTO LOAN TO ALL BUREAUS EXCEPT XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-14
Company: EQUIFAX, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
I have received loan documents from the company in question. The documents do not contain my legal name or an address to my residence. Documents do list an IP address which I can not search. I have asked this be removed from my credit report. Company has asked me to dispute on FTC. FTC sends me here. This will therefore meet the requirements of the FTC fraud report as the links were followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Autovest, L.L.C.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 the original creditor sent me a bill made from their typing and I asked to talk to someone in the closed accounts department about my due balance and they then sent me over to another company which I didnt know they sent the account over to in first place. The man I spoke to on the phone was not able to furnish the bill of sale to my vehicle I was paying on. I explained to him that in Ohio its law that I can request that be sent to me for proof of sale so I could get that information. Instead a few days later I received another bill and it has a finance charge added as well for {$14.00} more than the original bill. Also prior to the sale of my vehicle I called the original loan company and I updated my address with them and my phone number so they could call me and let me know of the date of sale and updated my address with the USPS as well. In the first letter I received about the vehicle being sold it was not sold on the date the paper said it was to be sold on bc I called XXXX and they said the car was not sold yet that they will contact me 7 days before the sale and let me know in writing and I was not properly informed of the sale when they did sell the vehicle. In the letter it said the sale of the vehicle would start at {$500.00} being the low end of the sale of the vehicle and Id get anything left over from the sale past my due amount I owed and I could also be at the sale and have someone else bid on the vehicle also. I was not given that opportunity at all in writing. So the reason I am making the complaint is simply I feel like I was not informed correctly and my rights were completely not thought of at all on the sale of the vehicle and Id like to see proof of all this. My balance due was {$1300.00}. Now its higher by {$14.00}. And its going to keep going up even after I asked for a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: TN
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: Problem with personal statement of dispute

Complaint:
I have received loan documents from the company in question. The documents do not contain my legal name or an address to my residence. Documents do list an IP address which I can not search. I have asked this be removed from my credit report. Company has asked me to dispute on FTC. FTC sends me here. This will therefore meet the requirements of the FTC fraud report as the links were followed.

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 2023-03-14
Company: Velocity Portfolio Group
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collection agency XXXX XXXX XXXX  Has been reporting debt I don't own they with credit card terms not agreed to. Also furnish wrong amounts and terms for years with no ownership of debt and wrong amounts knowingly.

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 2022-01-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account after multiple letters and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account after multiple letters and phone calls.

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 2018-02-09
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In XX/XX/2017, I applied in-store at XXXX XXXX XXXX in XXXX, NC for an XXXX Credit Card served by XXXX XXXX. Due to a fraud alert on my XXXX report that was on my account at that time due to the XXXX  breach, the account was not approved. Later it was approved for {$250.00}. It is important to note that I have two other store accounts with XXXX XXXX   XXXX XXXX XXXX XXXX 

I later received a letter from XXXX  saying they tried to contact me using info on my credit report I have no contact info on my report. I call XXXX, and in XXXX had them remove the fraud alert from my report and applied for a credit limit increase. I received another letter from XXXX  stating the same as above we tried to contact you at the info on your report. 

I then tried applying again in XXXX same thing. I call XXXX and they informed me that XXXX is wrong. There is no fraud alert on my report, and thus no phone number. I call XXXX, and they STILL insist that there is, and I can not get to an actual person that can help only 1st and 2nd line respondents, and XXXX   has no corporate complaint facility. 

All I want is for XXXX  to process my credit limit increase WITHOUT trying to contact me based on info in my report ( XXXX informed me that NO ONE has a number on their report unless there is a fraud alert ). If XXXX has their own " fraud alert '' on my account, then they need to remove it. It would be obvious everything is on the up and up if they would simply look at the other accounts I have with them. This is a situation that is checkers, but XXXX  is going out of their way to make it chess including quoting their " policy '' as a " law '' which is just amazingly naive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Navient Solutions, LLC.
State: MS
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:
This account is on an income driven payment plan and up to date and should not be listed as adverse. Also interest rates applied to balance are inaccurate. Account exceeds 7 years of being able to be listed on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: Checkr, Inc
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX I received an email stating my application was denied for employment by XXXX. They were given a background report from Checkr and this report is inaccurate. I had my XXXX  set aside in the state of Arizona in XXXX. I contacted Checkr and they are still reporting the incorrect information regarding my criminal history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/23, I reached out to Midland Credit Manangement, LLC spoke with XXXX XXXX, in the Concern dept @ XXXX asking for an update on my Identity theft account. Midland Credit Manangement had an attorney office XXXX XXXX @ XXXX, filed for wage Garnishments without my knowledge. I was notified through my Employer. I immediately went to work with all three Credit Bureaus disputing each account. Midland Credit Manangement had XXXX accounts under my name however only XXXX of these fraud accounts were closed. The third account that went to XXXX XXXX  a Identity Fraud packet was not applied & caused the Garnishments. After several attempts contacting Midland Credit Manangement, LLC they have told me back on XX/XX/23, that they needed to recall the account from the law firm. I received a paid in full letter from the law firm & now awaiting a refund since XXXX XXXX confirmed receiving my fraud packet for the third time. Currently XXXX awaiting a refund however Midland Credit Manangement said the law firm owes me & XXXX XXXX stated Midland Credit Manangement owns the account. Please help me get a refund asap of all monies paid out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
None of these accounts belong to me. delete it from credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never had late payments with any of these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-17
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 noticed that XXXXXXXX XXXX had inaccurately reporting information monthly on my crafty report as if there is new/updates information for this account and there has not been any updates or activity on this account in about 6 years. When I brought this issue to the attention of all 3 crafty bureaus they gave me the run around a claiming they didnt understand my request. I was clear in my statement of incorrectly reporting an account which has had no activity. XXXX XXXX  continues to report just recently as XX/XX/XXXX. 2022 in this Closed account. 

They should not be reporting on a closed account that has had ABSOLUTELY NO ACTIVITY IN 6 years!!! They continue to report it as activity hence extending the 7 year expiration time which is illegal!!! 

They have been avoiding addressing this issues spitefully.

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