BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-29
Company: FIRST NATIONAL BANK OF OMAHA
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by XXXX XXXX XXXX ( XXXX XXXX and XXXX XXXX ) XXXX for a debt owed to XXXX XXXX. They threatened to sue me, but would not confirm the last four of the account number, the amount owed, or provide a debt validation letter. They said they are absolutely unable to send me anything regarding this debt. The issue is that I have paid this debt, and was attempting to verify it was the same one. I only ever had one XXXX XXXX Card. I have contacted the original attorney that had the collection. I received a paid in full letter with the last four of  the account number on it. XXXX XXXX XXXX  would not confirm the account number. They would not provide a debt validation letter. They would in no way attempt to verify the amount paid. They would not give me anyone else to speak to.

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 2018-09-12
Company: ENOVA INTERNATIONAL, INC.
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I paid Cashnet usa on XX/XX/2018 in an attempt to try and pay the loan down. Cashnet USA agreed that they would lower my payments to {$30.00} a month because I requested a readjusted payment schedule because I only get paid once a month and they have my updated bank statement to validate. They refused to accept the new payment arrangement and and they keep calling me and harrassing me for the full amount when they already know that I do not have the money and they keep tacking on interest so I will never be able to pay the loan back or it will take a long time to repay the loan. They are demanding that I pay what I dont have at this time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: MCCABE, TROTTER & BEVERLY, PC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/2019 we received a letter about a debt for XXXX XXXX XXXX homeowners fees for XXXX ( collection agency McCabe Trotter, and Beverly ) and a lien on our property. The original bill is due in XX/XX/2019. We have always paid our Homeowners fees with no problem. We contacted our homeowners association to ask if they sent it to collections and they stated they did. In their letter they stated that they give people up to one year of the next year to pay these fees. They did not give us that option, they also stated this in our meeting. Some people has been out here for 2 or more years and are behind on their payments the homeowners association stated in our meeting. They did not give us this option. And they did not write us telling us they were going to sent it collections. We just received collections papers by mail. My husband is a XXXX veteran and we are in chapter XXXX bankruptcy. We are being harassed about taxes and liens about this property and we believe they are trying to foreclose and sell the home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was told that no interest was payable to a living trust by banking personnel - I later found that to be untrue. Bank failure to place funds in an appropriate account or follow up on status of account.

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 2018-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This was dismissed in a bankruptcy XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Good

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 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the fraudulent accounts reporting on my credit report. It was previously removed from my credit report but then reappear. Below I've attached the FTC report along with my Drivers license I purchase my XXXX  credit report and i can confirm that the items attached below are deleted

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 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit score dropped 113 points in one day. I have called several times to ask why and they refuse to answer me. I clicked on the see why is changed button and it said no changes found. I am trying to buy a house and this is killing my TransUnion score.

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 2019-03-29
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 was writing to inform you that there are still items are my credit report that are not mine XXXX, US Dep ED and XXXX XXXX. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . I'm doing this on my own behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-07
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Experian Information Solutions Inc.
State: IL
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:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over 710XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX XXXX spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2019-03-29
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: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX are showing the XXXX partial account number XXXX in Charge-off status for the balance amount of {$2400.00}. ( Please see page 6 of the attached credit report. ) This account does not belong to me. I never opened it and am not sure why this account is reporting 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 2020-09-01
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
i used to have my weekly paycheck direct deposited to FNB of PA approximately {$2000.00} ... from which i pay my monthly bills. In XXXX and XXXX of this year the bank paid only half of my bills and declared my account closed. returning the checks and not paying the bill was only part of the troubles ... they didnt return my money. youd think that at least with the account closed my money would be there.and not only that, all the bills nit paid charged me late fees and it dinged my credit ... please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Reference ID : XXXX my account was limited in XX/XX/2018 and I was advised funds will be released at 180 days. Funds as not been released yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I called a little over a year ago to release my cosigner. I met all the requirements needed but was still denied. I called again on Monday, XX/XX/XXXX to request a forbearance. It's been the only option they have offered me. I have used all of my forbearance allowances at the time. I make {$17000.00} a year and my payments are now $ XXXX/month. They refuse to lower my payments based on income or release my cosigner. I've made payments on time for years and they still refuse to work with me in anyway. The majority of my payment is going towards interests, with barely anything going towards the principal amount owed. They're putting me into poverty and not batting an eye.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 a victim of trans union credit inquirie issue

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 2020-11-13
Company: John C. Heath, Attorney at Law, PLLC
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
A massive number ( 2 to 5 per day ) of robocalls from a number of places claiming to do home mortgages or rent-to-own ( one fake business calls themselves " XXXX XXXX XXXX XXXX '' ) and then reads a script and tries to hotswap to Lexington Law for credit repair claiming that my credit score is preventing me from owning a home. 

I've reported it to Do Not Call but this has been going on for months and it's getting worse. It's really really annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Experian Information Solutions Inc.
State: FL
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:
For all intensive purposes, my credit report only shows positive marks. I recently closed 2 loans that were held active for a year or more.

1 loan in the amount of {$23000.00} ( XXXX at time of payment in full ) originally and another a home mortgage loan paid in full at the time {$130.00}, xxx.xx.

Approx. 1 month later the credit bureaus updated my credit score by lowering it 29 points.

My debt to income ratio sky rocketed, all account across the board saw reductions/decreased account balance ( s ).

I am disputing my credit score having a negative impact after satisfying loans that I always held in good standing.

There is clearly something wrong with the algorithm that calculates such scores. My buying power has most certainly gone up ... my credit score should have as well.

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 2018-06-22
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I work for the XXXX XXXX and have for a total of 20 years, I have been filling out paperwork for years trying to get these loans on an income based plan, which interestingly enough calculates out to zero payments every month, this is why I am ignored and it keeps showing up on my report. These student loans through navient should have been forgiven years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company calls me 2 to 3 times a day everyday and it is in the hours that I am at work so I can not answer my phone and this has been going on for about a month-and-a-half. I did end up calling this phone number back and found out that it was Diversified Consultants Inc. The lady that I spoke with and right now I can't remember her name, but she stated that she was a debt collection agency for XXXX. We ensued in a conversation and she said that I had to take care of this debt. we started to work on a way to get this debt settled however she said that they could not except the payment arrangements that I said I could do. I told her that was the only Arrangement that I could make and she said that I was being non-compliant and that she would notate the account. And then she hung up. I looked up their company name and found a bunch of complaints against them saying that they were scam artists, so I brought up my credit report to see if they were truly the ones named on my credit report for that debt and found out it was under another name. So I am going to contact the actual company on my credit report to get this debt taken care of, but people should know about this other company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29
Company: Experian Information Solutions Inc.
State: CO
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  and XXXX are reporting correctly that the XXXX XXXX XXXX partial account number XXXX reports a {$0.00} balance and {$0.00} past due. ( Please see pages 4 and 5 of the attached credit report. ) Experian, however, has not updated its records on my credit report. This incorrect reporting is harming my credit score.

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 2022-08-05
Company: Experian Information Solutions Inc.
State: SC
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:
This complaint is in reference to a previous complaint of inaccuracies on my credit file with XXXX XXXX # XXXX After receiving my Tri merged credit report, I have noticed that there are still extensive inaccuracies still not corrected on my credit file. egregious and erroneous errors on my consumer have led to me being denied being able to access credit. I now know it is my right to have inaccuracies corrected. account type detail, date opened, balance, term, past due amount, payment status, last reported, last active and last payment. All of these are vastly inaccurate, and this is after XXXX XXXX/ XXXX XXXX/ XXXX experian complaint and these still appear on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: EQUIFAX, INC.
State: NJ
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:
This was dismissed in a bankruptcy XXXX XXXX Last reported : XX/XX/2018 {$1000.00} Good

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: MIDCOUNTRY FINANCIAL CORP
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: Problem with personal statement of dispute

Complaint:
I sent a validation letter to XXXX XXXX, a Division of XXXX XXXX requesting validation for a debt that is listed as a chargeoff. The company has received this validation request on the XX/XX/2018 and has not been able to validate this debt. I have requested that they send me 1 ) Debt validation in the form of an original bill and detailed statement of procedures, 2 ) An agreement that authorizes them to collect this debt, 3 ) The agreement bearing my signature stating that I have agreed to assume the debt, 4 ) Valid copies of the debt and interest charges, if any, 5 ) Proof that the statute of limitations has not expired, 6 ) Complete payment history on this account along with an accounting of all additional charges being assessed, if any, 7 ) Proof that they are licensed to collect in my state and 8 ) The company 's license numbers and Registered Agent. The company has failed to provide me with any of the information that is listed but yet, they have responded to all three credit agencies that this debt is valid and they are continuing to report this chargeoff on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Express Recovery Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I started getting garnishment for a debt from 7 years ago that I would not remember anything about, I wish these debt lawyers would try to contact costumers before just out of the blue start garnishment especially if its a debt you dont even know you owe. I dont see it on my credit report so how would someone know. Now there garnishment with interest so now Im paying triple the amount, this should be illegal and not to mention its a pandemic so its a struggle right now just to eat. Talk about taking advantage during this pandemic that shows a lot about this company!! Shame on them

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation