BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-21
Company: Early Warning Services, LLC
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My account with XXXX was closed without any negative reason for closing. 

After viewing my consumer report with early warnings, it was reported on XX/XX/2018 by XXXX, that the reason for closing my account was as followed : Obtaining ( or attempting to obtain ) a new banking relationship or taking over ( or attempting to take over ) an existing banking relationship using : ( a ) all or part of another individual 's identity and/or credentials ; or ( b ) a fictitious identity and/or credentials. 

Which is totally FALSE. I spoke to XXXX about this matter and they say that they didn't report this. XXXX says that XXXX XXXX made a mistake and that the ABA number on the case is not even correct. 

Contributor : XXXX XXXX - XXXX Contribution Ref # : XXXX ABA Number : XXXX Account Number : XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Phone : XXXX SSN/Tax ID # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The inquiries reported below are unauthorized I have made every attempt to resolve this matter with Transunion and need these inquiries removed/deleted from credit report asap! They are not mine. 

The following inquiry was not authorized. 
XXXX XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report. 

The following inquiry was not authorized. 
XXXX Date of inquiry : XX/XX/2019 Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have taken loans out from XX/XX/XXXX until about XX/XX/XXXX. 
I am the victim of Predatory lending practices from Navient 's deceptive practices and predatory conduct harmed student borrowers and put their own profits ahead of the interests of millions of families across our country who are struggling to repay student loans there is no way I borrowed maybe about XXXX, to about XXXX in loans and owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They keep calling me harassing me, calling both of my phone numbers and I told them several times to stop calling me and they still continue to call, they sometimes call and say nothing or call me blocked.

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 2018-02-12
Company: Lloyd & McDaniel, PLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX sold my debt to lloyd and Mcdaniels creditor law firm that then did not contact me at all before this, or if they did it never got to me and served me papers while I was at work and then forced me into an agreed judgement. I have a XXXX a month agreement but then they are trying to force me into automatic debit, which I am not comfortable with at all and do not authroize with any company and don't tell me much on filling out any forms. It was a old credit card debt from years before that I didn't even know I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2019-11-15
Company: EQUIFAX, 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:
To Whom It May Concern : I am submitting documentation regarding my student loans ; I am a XXXX   veteran with almost twenty-two years of XXXX XXXX service. My student loans were discharged XX/XX/XXXX of XXXX due to XXXX through XXXX, XXXX, The US Department of Education and XXXX XXXX. I am having issues with all US Department of Education loans starting with account number XXXX and XXXX XXXX  loans starting with XXXX reporting inaccurately to XXXX, Equifax and XXXX. 

I have disputed this several times with the credit agencies and provided all the necessary documents regarding the discharged  accounts. I have also reached out to the loan servicers and the Department of Education to get this issue resolved, however as of XX/XX/XXXX of this year they are still reporting incorrectly. I have included a copy of all documents that were sent to the credit agencies and loan servicers as well as copies of my credit reports. As you will be able to compare on my XX/XX/XXXX and the most current credit reported dated yesterday XX/XX/XXXX. 

At this time, I am requesting that you review all the documents and assist in helping to resolve this issue in a timely matter as I am not able to move forward on purchasing a home that I have a contract on and a closing date of XX/XX/XXXX and until this has been resolved. The 120 late 's that are being reported have pulled my credit score down over 100 points and with these accounts still showing open, it looks like I still have a debt that I haven't paid. Thank you for your assistant in this matter and I also give my wife XXXX XXXX XXXX permission to speak to anyone on this matter if I am not available. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Experian Information Solutions 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:
Please know that I was not late on the mentioned accounts here.. I wonder why XXXX   and Experian report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me 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 2018-03-28
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hi- I applied for a credit card at US Bank for the XXXX XXXX XXXX. 

It had a bonus award for spending XXXX within 90 days of opening the account. 

After applying I got the card about 10 days later. Then 48 hours after meeting the spend requirement for the bonus, I got a letter saying they were cancelling the card because they said the charges were suspected to be for improper purposes. 

So I called right away after receiving the letter. They also said that they could not find my company in public records. I explained it was a Nevada LLC and just because I was in California that doesn't mean it doesn't exist and they should check Nevada records.

I also explained to the credit specialist " XXXX XXXX '' that US Bank was a Delaware corporation and Much like XXXX XXXX- this is suspicious activity to churn account fees ( this has a {$95.00} fee on the card and a way to get spend without paying out the bonus ). The guy honestly made no sense on the call and it appears like they are hiring just random people to do credit work. 

he also said he thought the purchases I made were suspicious even though I verified all of them. Some of them were chair massages for employees in XXXX XXXX which is axially a very common benefit in an competitive job market and he called it a " massage parlor ''. The call was a bit insane and I've never in my life seen anything like it. 

I asked to speak to a supervisor but he refused. All my calls to the bank go back to this same specialist and he said there was no appeal.

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 2020-08-28
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, XXXX sent me a bill for {$880.00} that was not even displayed under my account. I immediately contacted XXXX and let them know of the discrepancy, but they insisted that somehow the {$880.00} was my debt despite the account number not belonging to me. The " debt '' displayed my name and address but the account number was different. I continued to receive statements for this account number and continued to call, trying to get to the bottom of this matter. In XX/XX/XXXX, I received another letter from XXXX stating that whatever balance that was in the mystery account had been transferred to my father from my step mother back into XX/XX/XXXX. As I have the title of XXXX, this was when I realized that the debt was possibly my fathers, as our first and last names are the same, and XXXX somehow missed the small differences in our names ( middle names and title ) thereby mixing up our account billing addresses and assigning the debt to me. In a follow up letter, from XXXX XXXX a XXXX executive member of the Relations team ( contact number XXXX ),  they recognized their error and issued an apology for all inconveniences and provided me with a name and number to contact for a follow up or to address any questions : XXXX XXXX at XXXX x XXXX. When I continued to received calls and bills, for the account number that had just been identified as my fathers, claiming that the debt was mine and continuing to charge me for the same debt - an issue I thought had been resolved - I proceeded to contact XXXX at the number provided. But it was to no avail as I never heard from XXXX or any other XXXX representative despite my many attempts and many voicemails. 
Present day we are in XX/XX/XXXX, and every month I am still receiving calls and statements from collection Agencies regarding this same debt for the account that has already been identified as not mine!!!! I am a very busy person and I have no extra time as it is, especially to be fooling around with these kinds of issues that have taken YEARS so far to resolve. This particular matter is especially disruptive to my personal life because two months ago I needed to acquire a loan for a new vehicle and it was then that I realized that my credit is totally destroyed from what it had been. Thus, this has gone too far and I am now taking the time to write this out because this has to stop. Trying to talk to XXXX clearly did not work, and hasn't for the past six years!!! I am asking you please to intercede in this matter because clearly XXXX has no interest addressing this issue with me alone. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Navient Solutions, LLC.
State: TX
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:
We tried for years to get repayment plans that would be based on income. The only options we were given were forbearance we owe a huge amount of money that even after payments continues to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
spent {$3000.00} in XXXX months and the customer representative extended the last day to XX/XX/2020. I made another eligible purchase of {$900.00} XXXX pay for the rent XXXX on XX/XX/2020 which met the spending {$3000.00} offer. Actually, I asked their customer service and they confirmed I can get the XXXX American airline bonus if I made the XXXX purchase on XX/XX/2020. However, the Citi bank refused to give me the XXXX XXXX XXXX miles offer and tried to contact their customer service many times. Their customer service just cut the connection almost every time. Personally, I would not open any cards from Citi bank.

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 2021-02-21
Company: American Credit Acceptance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have two accounts with American Credit Acceptance. One was for a XXXX XXXX that was involved in an accident and there was a total loss claim. There was no GAP insurance on the car. However, I was able to get another car, a XXXX XXXX XXXX with the same company. While the other was a total loss claim, I secured the new car and made payments. However, the company in question has been applying my car payments to the XXXX instead of the XXXX. They have been contacted on numerous occasions about this issue and it has yet to be resolved. I now face additional credit reporting issues and past due payment contact that is also affecting my wife as she is a co-signer on the XXXX. A company representative named XXXX, advised that they apply the payment to the first car that shows in their system. In this case it would be the XXXX. However, on XX/XX/XXXX, I called again to get this issue resolved and was advised by another rep that the XXXX account was sold to XXXX XXXX XXXX XXXX, who can be contacted at the number XXXX. However, if the account was sold to another collection agency, then American Credit Acceptance should not be applying my payments on my XXXX to the XXXX. In addition, The XXXX XXXX XXXX has never provided me with a debt validation letter with regards to the XXXX. In fact, I just found this was referred to a third party collection agency.

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 2017-08-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a call on XX/XX/XXXX from XXXX XXXX XXXX representative, " XXXX '', who declined to provide his last name. XXXX informed me that they were in the process of taking legal action by filing motions in various counties, contacting my employers, family members, and any affiliated parties. I was left a voicemail stating that I would be arrested if I did not resolve the matter immediately. He states that I owed a debt in the amount of {$1000.00}, and that I was being sued by HSBC via XXXX. He refused to provide a case number, only the last four digits of the credit card. He also refused to provide information about where the debt was acquired from, and could not prove that I had ownership over the debt. He provided only general year dates of the debt ( XX/XX/XXXX and XX/XX/XXXX ), but could not provide further information. Furthermore, at no point did XXXX state that the phone call was an attempt to collect a debt or that he was a debt collector. He was misleading in his representation of the company XXXX. Additionally, once I informed him that I had filed for bankruptcy in XX/XX/XXXX, which had subsequently been discharged, he hung up the phone without further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Experian Information Solutions Inc.
State: MA
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 received a Credit Score report from XXXX  ( Credit Card company ) on XX/XX/20. I noticed in the score that the US Small Business Administration ODA had conducted a credit check that I had not requested or authorized. I immediately called XXXX and spoke with them and filed a claim that someone may be trying to utilize my identity/information to secure a loan from the SBA.

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 2020-12-03
Company: United We Collect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I took the action to dispute the amount of {$650.00} from United we collect inc. I have no idea this account was being placed into collections, I received no letter of that 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 2020-05-16
Company: EQUIFAX, 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 was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my Driving Licenses and Social Security Card for your reference. All other addresses are not accurate. Please  REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Aargon continues to report a debt that I informed them that was not my account. They requested a police report that was filed and submitted to them on two occasion via fax as they requested and they continue to claim they have not received the fax. 

I'm attaching the police report for your office to forward to them. Failure to remove immediately I will file a lawsuit for providing false information 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 2020-11-21
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
Under Inquires on my credit report " XXXX XXXX XXXX '' did not have my permission to pull my credit report twice on XX/XX/XXXX. 2019. 

They only had authorization for one hard credit check not two.

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