BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-22
Company: Experian Information Solutions Inc.
State: LA
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:
Collection company fraudulently reporting inaccurate information to keep account open. I never opened any accounts in the year or month these companies are saying that I opened these accounts. Each company failed to send me any information containing my application with signature saying I agreed to open these accounts.

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 2019-06-27
Company: National Credit Adjusters, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I demand under FCRA and FCDPA LAWS, VERIFICATION OF VALIDATION OF PAYMENT HISTORY DOCUMENTATION AND DATES & NOTORIZED DOCUMENTS OF RIGHTFUL OWNERSHIP OF NATIONAL CREDIT ADJUSTERS OF ALLEGED ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/XXXX-XX/XX/XXXX I had a employee steal Me from my class to sign papers threatening me If I didn't take out more loans I would be kicked out. I was gullible and naive not to read the fine print. The quality for education wasn't worthy of the loans plus interest. This school is a scam. The school is responsible for me taking out both loans. Also my credits didn't transfer to grossemont

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
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:
I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name, Thank you in advances for you quick responses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I need a copy of my statements from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They never sent them to me and refuse to allow me access to my closed account to view them myself. On XX/XX/XXXX, at XXXX PDT, I spoke with a very unprofessional and abrasive agent named XXXX XXXX. She was combative and abusive on the phone call, used profanity and insults and hung up on me. 

I need a copy of these statements, since they were never mailed to me, or to regain access to my account to view them. 

It is illegal to deny me access to my own statements, of my own financial history. It is my legal right to view my financial statements and you can not deny me access to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, 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:
Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is an account that is unknown to me reporting on my credit file. This is not mine nor have I ever been sent anything regarding this matter. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio Recovery Associates keeps insisting that they have properly verified debt. After 5 months I still have not received anything verifying my signature or social security number for this debt. 

Billing statements are not accurate validation of debt and this is all I have received. 

Additionally, the original creditor attempted to obtain a judgement and the case was dropped. 

This needs off my credit report until a validating signature and full social security number are provided to prove this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SPS did not tell me ( written or verbally ) that my house was put in foreclosure. I did not recieve any certified letters or anytging. SPS took it upon themselves to notify XXXX XXXX XXXX XXXX an attorney and counselor at law to put my house in foreclosure. I have an attached letter stating that XXXX XXXX sent dated the foreclosure letter for XXXX XXXX2017. I called SPS and they told me they did not know why XXXX XXXX sent the foreclosure letter without their approval or before they informed me of the foreclosure date. I am in a predatory loan and at new law was passed that protects homeowneemrs against predatory lending and any interest rate over 5.5 % is considered predatory. I have a 8 % loan SPS should be informed that it I am a victim of predatory lending I can sue the bank. Please, stop the foreclosure and give me a modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: IQOR US INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe no money. This company ( Allied ) XXXX is trying collect on a debt by looking for information about an individual not known to me. They will not stop calling. I have blocked their number, but they call daily over the past month of XX/XX/XXXX and nowXX/XX/XXXX. They call and receive no answer, but they continue to call. They called also inthe past several months ago. When you call them to complain, they do not seem to know what you are talking about. It is harassment for a debt that is not mine. This is not acceptable.

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 2017-11-03
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Nationwide Recovery Systems ( NRS ) ( XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone XXXX 

This company is fraudulently trying to collect debt that his been paid. 

I 've sent them a copy of the receipt which reads the original account number issued by the medical provider. However, NRS claims this is not the account because it does n't match the account number issued by their agency. 

The amount they are fraudulently trying to collect is {$930.00} which is the exact amount on the receipt I sent. The medical provider is the same, the amount is the same, and the date of service is the same. Yet, they claim it is a different account with the same exact amount on the same exact date with the same provider. 

I 've checked with the provider and the account paid is the only account they have. There is no second account on the same date for the same exact amount. 

I need for the harassment to stop. I paid my debt and do n't want to be extorted into paying it again. 

I appreciate you looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
They are not in compliance with continuing to report fraudulent, incomplete, and inaccurate information to my credit report. I have sent them multiple dispute letters and they have failed to perform a proper investigation as per FCRA guidelines! 
The below information needs to be removed from my credit report immediately! 
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 explanation
Consumer complaint received 2021-09-10
Company: Santander Consumer USA Holdings Inc.
State: CT
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:
My previous Credit Score with all agencies was between XXXX and XXXX. 

On XX/XX/XXXX, XXXX reported that I paid my last payment to them late and since then my Credit Score has declined to between XXXX and XXXX. 

I have disputed the negative claim by Chrysler because according to my records this should not have been reported as a negative. Here are the details : I had a 36 month lease with Chrsyler Capital with an automatic payment. The lease was set to expire on XX/XX/2021 so I asked for a 1 month extension to decide my options of buying the vehicle. Chrysler was able to extend the lease online to XX/XX/2021. 
Before the end of the lease, I called Chrysler to provide the payoff amount and mailed a bank check that was cashed by Chrysler on XX/XX/XXXX ( This included the last payment ). Chrysler never told me that I had to make the last payment manually and on XX/XX/XXXX, they reported a negative credit issue to report that a late payment was made on the account. 
It is probably embedded into the 1 month extension that I was supposed to make the last payment manually but it is unfair to have reported it as negative after 36 +ve payments. And this after I spoke to them multiple times for the lease extension as well as the purchase. 
I have had no other negative issue on my account for as far back as I remember. I am asking that this negative be removed.

I started a dispute with both Chrsyler and reported it also to XXXX but my score has kept moving downwards in the last 2 months from a high of around XXXX to XXXX. This is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

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 2020-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Transunion DIES NOT have the right to do ANY investigations AFTER XX/XX/XXXX. THEY HAD 30 DYAS, THAT IS ALL THEY GET. BECUASE THEY DID NOT INVESTIGATE IN THE 30 DAYS, THEY MUST BY LAW DELETE ALL ITEMS. THAT IS THE FAIR TRADE CREDIT REPORTING ACT.

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 2017-11-03
Company: Bread Financial Holdings, Inc.
State: PA
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:
There are inquiries on my credit report that I did not authorize nor do I have any knowledge of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
Wells Fargo HM Mortgage # XXXX has lates that I should not have. I started bill pay with XXXX XXXX to pay my mortgage and I did not know that they were taking 7 days to send it. On the XX/XX/XXXXlate I went into the bank and paid it Wells Fargo processed it like a cashier 's check which charged my bank an extra {$50.00}. All my efforts to get these lates removed have done nothing.

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 2021-04-18
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
The XXXX XXXX XXXX account is not past due. The account is under investigation pursuant to The Fair Credit Billing Act ( FCBA ) which lays out consumers ' rights to dispute credit card issuers ' charges : Consumers have 60 days from the time they receive their credit card bill to dispute a charge with a card issuer. Charges must be over {$50.00} to be eligible for dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My XXXX card XXXX is not being reported on my transunion 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 2017-11-03
Company: Commonwealth Financial Systems, Inc.
State: TN
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:
This collections that are appearing on my account are invalid. I sent the previous collection company that held these accounts a debt verification letter on XXXX XXXX, 2017. The previous company was unable to valid the debt and they deleted these accounts from my credit report. Recently, these accounts have reappeared on my credit report under a new collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a trial modification program with Ocwen for XXXX t the first payment due onXX/XX/XXXXwhich I paid onXX/XX/XXXXok I have the modification papers alll is good onXX/XX/XXXX I noticed the payment was shot bu XXXX dollars called them and notified that on XX/XX/XXXXthat I would submit the difference of XXXX dollars to be exact o me that by y .The XXXX XXXX confirmed XXXXandI actually paid total of XXXX dollars em is st systs was paid by XXXX yet there system still shows or reflects no payment made I need help please help me as I a single father with XXXX XXXX children loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Aargon Agency, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My Consumer rights and protections have been violated according to title 15 USC 1692. My privacy has been invaded along with the privacy act has a consumer has a right to privacy and not a privelige. According to title 15 USC 1692b a debt collector can not state that a consumer owes a debt.AARGON agency has been reporting a fraudulent debt to XXXX which has been very damaging to me and my family in our pursuit to purchase consumer goods, They have been contacting me a federally protected consumer about an alleged debt without my consent. AARGON AGENCY INC has been reporting a fraudulent debt that was a result of an identity theft on my consumer report which has been very damaging to my reputation and has hindered my ability to extend credit and enjoy the pursuit of happiness. Under title 15 USC 1681 an inaccurate and unfair credit report directly impairs the efficiency of the banking system and undermines the public confidence which is essential to the continued function of the banking system. I REQUIRE THE 2 FRAUDULENT accounts on my consumer report from AARGON AGENCY INC one in the amount of XXXX $ and one in the amount of {$110.00} be deleted immediately. A debt collector can not use false and deceptive means in connection with a debt such as the false representation of or the character amount or legal status of any debt.

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 2017-10-14
Company: Experian Information Solutions Inc.
State: PA
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:
Identity theft XXXX DATE UNKNOWN ANOUNT UNKNOWN

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 2018-01-16
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was not late with my XXXX XXXX XXXX account # XXXX I was not lat on my payments on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I was late on XX/XX/XXXX but that was because I was hit with hurricane Irma I have paid and made up for that payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was sued by a company name complain was from XXXX companies- then name change to XXXX XXXX, a few years back, I did not know anything about it, until they garnished the money I had in my saving and checking account ( XX/XX/XXXX ) it seems my debt was from a few years back approximately XX/XX/XXXX-XX/XX/XXXX, since my money was taken from the bank account, I had being in communication with Nelson & Kennard at attorney at Law, I had being making payments, after a few years making monthly payments ( {$25.00} ) the amount it seems to keep going up instead going down, also they informed me the money that was taken out it was only use for the court, so I have to pay my debt, which I do not know what is for, even do I had try to speak with some one at nelson & Kennard and requested an statement about all payments to the account, original amount and why is not going down instead is going up, I get the run around, My English is not perfect, so is hard to communicate with them, until today no one has being able to help me, until I had to reach out a tv station in my area, and they gave me your information, I asked my daughter to place my complain on line, I am attaching all the information I have through the years of payment and only letter received from this company, if you have any question you can contact XXXX XXXX ( XXXX ) XXXX ( If is possible I would like a Spanish peaking representative

Company response to consumer: Closed with explanation