BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have ask for the removing of accounts that is listed as my accounts on my credit profile

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 2018-12-15
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HELVEY & ASSOCIATES IN XXXX XXXX XXXX XX/XX/2018 {$540.00} I HAVE NO KNOWLEDGE OF THIS DEBT / IT IS NOT MINE. I DISPUTE THE VALIDITY OF THIS DEBT COLLECTION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
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: Information belongs to someone else

Complaint:
XX/XX/2018 To whom it may concern : I have just reviewed my credit report and noticed there are several inaccurate items on my report as follows : My only address is the one ending in zip code : XXXX. Please remove all other addresses that I was never associated with. 

FRAUDULENT INQUIRIES 1. XXXX/XXXX  XXXX XXXX XXXX 2. XXXX XXXX XXXX I never authorized any of the accounts or inquiries and when i requested proof from the creditor, they were unable to provide me with any original contract proof otherwise ; therefore it is the credit bureaus responsibility to remove them immediately and permanently according to FCRA sections 609.

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 2018-12-15
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NATIONAL CREDIT SYSTEM XXXX XXXX XXXX   XXXX XXXX XX/XX/2018 {$1500.00} XXXX XXXX  XXXX  XXXX  XXXX, GA XXXX ( XXXX ) XXXX PROPERTY MANAGEMENT COMPANY CLAIMS EX-TENANT ( consumer ) LEFT RENTAL UNIT IN DISREPAIR AND IS EXTORTING CONSUMER OWES THE ABOVE AMOUNT OF {$1500.00}. 

CONSUMER IS DISPUTING THE VALIDITY OF THIS CLAIM AND CONSIDERS THIS TO BE EXTORTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Since XX/XX/XXXX I have been attempting to connect with MOHELA education servicer for direct loans. I keep getting informational messages for extended periods of time. They also do not not answer and say they cant locate my information but I am calling to discuss something else. When speaking with agents they give false information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract or any contract with Enhanced Recovery company.I have never done business with this company.I am not liable for the debt from XXXX.I am not responsible for this debt from enhanced Recovery company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: NAVY FEDERAL CREDIT UNION
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:
XXXX has been non-compliant with removing the unverified account NAVY FCU Opened Date XX/XX/2015 which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that NAVY FCU was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
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: Account status incorrect

Complaint:
XXXX XXXX reports rolling late payments from XX/XX/XXXX - XX/XX/XXXX in error after this loan was closed in early XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I wrote Portfolio Recovery trying to obtain more information on an alleged debt. I sent them a letter asking for more information and they simply sent me a billing statement from them ( PRA ) not the original company who said debt is valid. I am asking that this be removed from my credit report unless they can prove it is my debt. This debt is from XXXX 2012 in the amount of {$550.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  XXXX is showing that I am 30 day late for XXXX. 
My credit report is reflecting the late payments as seen below. These accounts are in error because they were paid on time. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days.

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 2018-12-15
Company: Commonwealth Financial Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Today, XX/XX/2018, I received a notice from XXXX  about a new collections account being posted. 

There were two collections accounts posted on XX/XX/2018. I have received no written or phone notifications from the debt collector that they held the debt, nor have I received any information regarding my rights to verify the debt. 

I have the actual debt from the creditor in my hand and it is a different amount than posted, also the dates do not match with the original, itemized bill. 

I HAVE been receiving calls from unknown numbers who either hang up or say nothing, I'm concerned this may be a scam or this company is intending to commit fraud against me. 

I have not taken any actions yet out of fear of retaliation from the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: EQUIFAX, INC.
State: MO
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 am writing to dispute the following information in my file. I recently received a copy of my XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX 
XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX G Inquiry from XX/XX/XXXX XXXX XXXX XXXX 
XXXX Inquiry from XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XXXX  XXXX, XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX accounts # XXXX and # XXXX are paid off and are still reporting a balance on my credit. These were charged off but have been paid and it should no longer be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the accuracy of collections account, XXXX, Account # XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX continuously reporting I owe {$310.00}. I requested proof that I owe this balance such as a contract with my signature, but the bureaus keep responding that " this account belongs to me, '' without providing the proof as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  XXXX is showing that I am 30 day late for XXXX. 
My credit report is reflecting the late payments as seen below. These accounts are in error because they were paid on time. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: CB1, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am XXXX. 
Faxed letters dated XX/XX/XXXX, XXXX, and XX/XX/XXXX informing CB1 Collections to cease and desist all contact and that I would only work with the creditor. I have received repeated phone calls have been made to me on XXXX, XX/XX/XXXX, XXXX, and again today on XX/XX/XXXX. The individual who called me today said his name but I had to ask him who he worked for. After he told me CB1 Collections, I hung up. I attempted to fax CB1 Collections another letter after they called me this a.m. However, I received an unsuccessful fax transmission notice ... CB1 Collections should be fined for violating the FCRA and noticed to stop calling/contacting me, period ... I have made repeated attempts to contact the creditor via fax, email, and mail without any response from them regarding settling the debt too ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
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: Their investigation did not fix an error on your report

Complaint:
Hello! My name is XXXX XXXX. On XX/XX/2018, because of a misunderstanding and non-professionalism of an employee at XXXX XXXX store in XXXX, XXXX XXXX XXXX, an unauthorized credit check was conducted on my report. Immediately after that happened, I contacted XXXX XXXX and XXXX XXXX, as well as I, opened two disputes at Equifax ( First : XXXX, Second : XXXX, there were even third and fourth ... ).

Later, on XX/XX/2018, after a proper investigation conducted by XXXX XXXX specialists, THE BANK HAS AGREED THAT IT WAS A MISTAKE and the bank has AGREED TO REMOVE that credit query from my history ( to change the status of it from hard inquiry to a soft inquiry ). They are supposed to contact Equifax with all information. In addition, they already sent 3 letters to me confirming this decision ( Letter from XX/XX/XXXX, Letter from XX/XX/XXXX, Letter from XX/XX/XXXX ). The bank specialist told me that it could take up to 6 weeks for a credit check to be removed from my history. I waited more then a months after each letter. I do monitor my credit history regularly, and surprisingly the hard check is still in my account. I even requested 2 copies of my annual credit report from Equifax.

Very upset about that situation and I feel like there is no other way like contact you and ask for a help. This inquiry reflected only in Equifax account. Other reporting agencies already removed everything, pretty quickly. Equifax claims that XXXX didn't send them any request about this change. However, XXXX   and XXXX received everything and removed wrong information.

Thank you. I hope you would be able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX and XXXX XXXX XXXX XXXX have reported all these tax liens on credit, which negatively affects my credit rating. It was passed that not liens should be on credit reports in XXXX of this year. Please address and have all these reported correctly and accurately on my credit report. Secondly, these balances should have been paid by Bank of America prior to the close of sale on XXXX XXXX XXXX, XXXX NC This was in litigation and claimed to be collected prior to the sale of this property. Please address with Bank of America and refer to the agreement.

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 2018-03-13
Company: MORGAN STANLEY & CO. LLC
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
This is to report an apparent illegal foreclosure. The CFPB has received a number of complaints about mortgage servicing issues. I was unable to reply to the loan servicer 's evasive response because it asked for information related to charges on monthly statements the loan servicer refused to ever send through the entire term of the home equity line. How does someone reply to thin air? 

I have received word indirectly that the loan servicer only used that response to sneak through a foreclosure for which I again, was served no legal notice! I have repeatedly sought to resolve this through the loan servicers, always at the risk left hand not knowing what the right hand is doing. 

The people the loan servicers have made no one available to discuss the financing of the property, both the primary home and equity line made and owned by the same lender on the same date by Morgan Stanley. The loans servicer 's customer handlers at call centers have blocked every effort to reach anyone in authority as the servicing company or at Morgan Stanley who could discuss other options relating to a new income source that allows me pay down balances but not all at one time, attaching or factoring inherited assets pending two estate settlements, a possible sale by owner at the property 's fair market value nearing three times the debt on the property, and additional Social Security income I will likely choose to begin receiving in 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 2018-05-17
Company: CL Holdings LLC
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:
As I was monitoring my credit, I simply saw an account pop up from a supposed debt collection agency called XXXX XXXX XXXX. It is a small amount ( {$140.00} ) and I had no idea where it was from or what it was for. They blatantly violated my rights as a consumer and a citizen in that I was never notified of the alleged debt in writing. Furthermore, this exact alleged account was removed from my credit report prior, as it is a totally false, and inaccurate bogus bill from an original utility company ( ( XXXX XXXX ). I was a long standing customer of theirs and NEVER even had a late payment. My credit report shows 100 % on time payment history for every bill Ive ever had. I am no going to have to strongly dispute this negative remark on my XXXX and XXXX credit reports. Lastly, this debt was never verified and I am directly filing a complaint against XXXX XXXX XXXX. I do not even know who they are, as I have NEVER received correspondence from them prior. I did contact them directly once when I saw their name pop up on my credit report. I demanded that they remove this unverified amount from my credit report immediately, stating that they never gave me the 30 day legal time frame to dispute any debt. This was to no avail and they proceeded to threaten me. I am asking for the help of the CFPB to discipline and deal with their corrupt business practices. I am well versed in this area of law and know my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have on several dates, XX/XX/20, XX/XX/20, & XX/XX/20, sent letters to Portfolio Recovery asking for the company to verify the debt they claim I owe. To no avail has the company provided any contracts that I have/had with them. This debt is unverifiable and has no validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Information is being inaccurately reported on my credit reports. The information is being reported by XXXX. I previously tried disputing information with the credit bureaus. Each bureau came back indicating that the account was either verified/updated. My last attempt was trying to clear the matter up with XXXX. On XX/XX/XXXX I faxed a dispute to XXXX advising that information was being reported incorrectly and that I would like for the 12 accounts of which they are reporting to be removed. I called XXXX on XX/XX/XXXX just to confirm receipt of my dispute. I was advised that a decision was made on XX/XX/XXXX and the request was denied. I have not received any correspondence advising of the denial at this time. I don't understand how a complete investigation can be done in a day 's time. I do not believe that XXXX has done its due diligence in investigating my dispute. These accounts are reporting under XXXX on my credit reports. These accounts have been closed and transferred so I really can't understand why XXXX is refusing to remove the accounts considering they are reporting inaccurately. It appears that they keep updating my payment status which is somehow prolonging the length of time for them to report. The attachment provided clearly shows that they are reporting my account current and then the following month with 90 days late. How can you be 90 days late without being 30 or 60 days late?

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 2021-06-07
Company: Chime Financial Inc
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was told from unemployment of NJ that they accept Chime prepaid cards I just have to go on the website and provide them with the other routing number Come to find out from Chime that the routing number XXXX provided belong to one of there partnering banks but not my bank that I use with Chime They have not transferred the money to my account/bank nor did they return 2 deposits sent to them by the NJDOL This has been an ongoing issue since XX/XX/XXXX I have missed 3 car note payments and I have not been able to pay my life insurance for XXXX PLEASE HELP

Company response to consumer: Closed with explanation