BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-30
Company: Tower Loan of Mississippi, Inc.
State: MS
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:
In XXXX, I opened an account with Tower Loan. After a year of installment payments the account was closed. Final payment was made and all debts were settled. Shortly thereafter I noticed a default payment posting onto my credit reports ; XXXX & XXXX stating a XXXX late payment. I contacted Tower Loan about the report and their response was and still is ... .. that once an item is reported, it is company policy " not to remove ". But contradiction shows otherwise. In XXXX XXXX this item was removed from my XXXX report. Thus proves '' false reporting " to this day on my XXXX  report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: RGS Financial, Inc.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 XXXX agreed to stop collection as you can see in my cfpb account. RG financial filed derogatory report on my credit account on XX/XX/XXXX and XX/XX/2019. Please help me stop it as promised. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This account placed on my chapter XXXX bankruptcy case # XXXX on XX/XX/XXXX, this bankruptcy was discharged XX/XX/XXXX. The XXXX staff appeared in court and was aware of the bankruptcy during my meeting with the creditors. They were advised by my bankruptcy trustee that the account in question is on the chapter XXXX that I filed in XXXX of XXXX. I also sent an email to the management staff on XX/XX/XXXX making them aware of my bankruptcy. I moved out of the location before XX/XX/XXXX. They placed this closed account into collections XXXX XXXX XXXX IN in XXXX, WA and is affecting my credit with Trans Union. I also submitted a dispute with Trans Union about this discharged account ( still waiting on a response ). I will be filing a complaint with the consumer finance and sending a copy if this complaint to the original creditor ( XXXX XXXX XXXX and the collection agent XXXX XXXX XXXX. Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items 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 2018-02-01
Company: LD Holdings Group, LLC
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: Information belongs to someone else

Complaint:
1. XXXX pulled my credi three times - I never gave permission to " Loan Depot '' Nor did I give verbal, written or any permission to RUN MY CREDIT!!! 

I Did not give XXXX permission to run my credit nor did I sign any documents or paper work, They are REQUIRED to remove these Hard Inquires within 30 days. I do not know them nor have I EVER spoke to anybody from XXXX, XXXX XXXX XXXX and or Loan Depot. 

Todays date is XX/XX/2018 at XXXX I request they show signed documented proof of my signing an OK or giving a AUDIO Recording of me giving them permission, This company does not have permission and I did not speak to anybody from this company. Therefore I request them to remove these inquires within 30 days. Should it go over 30 days I will seek legal action against all parties for fraud. 


Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a inquiry From XXXX XXXX in XX/XX/XXXX. 
I have a inquiry from XXXX in XX/XX/XXXX. 
I have a inquiry from XXXX XXXX XXXX In XX/XX/XXXX. 
I have a inquiry from XXXX XXXX XXXX in XX/XX/XXXX. 
I have a inquiry from XXXX XXXX XXXX XXXX In XX/XX/XXXX. 
I have a inquiry from capital one in XX/XX/XXXX. 
I have inquiries from XXXX XXXX, XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX. 
I have inquiries From XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX. 
I have a inquiry from Capital one in XX/XX/XXXX. 
I have inquiries from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Capital One Auto Finance In XX/XX/XXXX. In Which All Of The Inquires Showed Above I did not inquire about or give my information to for them to run my credit. I Called The XXXX XXXX XXXX number, in a The Customer service or Representatives Did Not Help me Out At All.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
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:
Dont recognize inquiry

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 2019-04-11
Company: JPMORGAN CHASE & CO.
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:
In XX/XX/XXXX Chase offered a XXXX pt welcome bonus for their XXXX Checking account. Here are the details : https : //accounts.chase.com/consumer/banking/online/sapphireUR? XXXX & XXXX & XXXX I applied XXXX Checking account in XX/XX/XXXX and transferred over XXXX USD cash and securities combined around XX/XX/XXXX, which satisfied their condition to get the welcome bonus. I still did not received the points until XX/XX/XXXX. 

I talked with the clerks in the branch twice. 
1st conversation happened on ( about ) XX/XX/XXXX. One of the clerks reviewed my deposits. The clerk thought what I had done satisfied all the requirements and then escalated my case. After that I found my XXXX monthly fee was returned but no points were received. 
2nd conversation happened on XX/XX/XXXX. Another clerk reviewed my case and thought I was qualified for the welcome offer. After that the clerk escalated my case again. No response was received until XX/XX/XXXX. 

Will attach the document ( XXXX info contained ) if necessary in next steps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Receivables Performance XXXX Is reporting on my credit report and I never received a notice from them. I only saw it on my credit report recently and immediately contacted them. This debt should have never even went to collections, it was sent in error. 

I am aware of my rights and I do know that collections companies have to send you a 30 day right to dispute to give you the opportunity to dispute it or take care of it and I was not notified. Because this recently showed up without notification it has affected my financing causing me to possibly lose my house. I have contacted my attorney and am prepared to take legal action.

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 2018-03-21
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have an agreement with XXXX that they would remove late payments on all closed accounts. Credit reporting agencies refuse to remove late payment information despite being provided with a letter from XXXX asking them to remove. This information gets removed and then reappears.

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 2019-04-11
Company: WELLS FARGO & COMPANY
State: LA
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:
Dont recognize inquiry

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 2019-04-15
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I've recently paid a debt owed through the credit collection service Waypoint. After paying the debt in late XXXX, i begin to contact them with hopes of speaking to a supervisor in regards to deleting/removing the collection from my credit history. The cable company the debt was owed to made notes in my file to have the collection deleted once paid ( reference # XXXX ). When calling, I was told each time that a supervisor would be in contact with me within 24 hours. In a 3 week span I've called at least 10 times and have yet received a call back. The last call i made was to a customer service agent named XXXX XXXX, who mentioned her supervisor XXXX XXXX would call me back. I also asked does my file show the other attempts made to speak with a supervisor? She stated yes, however not all attempts. Again, i am being told someone will call me back however no one is documenting my file to show my requests. Please note that this was an outstanding cable bill in collections, and the cable company has documented my file to waypoint showing they have requested it be deleted/removed. Nothing has happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Convergent Resources, Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

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 2021-05-03
Company: Byrider Franchising, LLC
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: Account status incorrect

Complaint:
I've been dealing with this issue going on 3 months now. And have not gotten a solution. I'm in the process of purchasing a home and this is hindering me. 
There's an ( Charged off ) account on my credit report from CNAC. CNAC sold this account to XXXX XXXX. I have paid and satisfied the account with XXXX. XXXX wrote me a letter stating that the account is satisfied and requesting it be removed from my report. XXXX also stats that they can't report themselves because CNAC is the original creditor and they are the company reporting to the bureaus. However, CNAC stats that they can't report because they sold the account. Both companies are saying they can't report. How can the issue be resolved. I've disputed this account multiple times. Each time it's come back as transferred by CNAC. The credit bureaus are stating that they can't do anything about it because the only company who can report is CNAC because that's who's on my report. I really need a solution asap. Im in the process of purchasing a home and this is the only issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: AMERICAN EXPRESS COMPANY
State: MD
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:
I have been denied credit because of wrong, inaccurate and false late payments on my credit file. The three credit bureau has three different information and records about me including name, address and accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
BANK OF AMERICA XXXX XX/XX/2021 XXXX Direct Deposit Funds Transfer to checking/savings $ XXXX BANK OF AMERICA XXXX XX/XX/2021 XXXX Direct Deposit Funds Transfer to checking/savings $ XXXX Totals {$0.00} $ XXXX BANK OF AMERICA XXXX XX/XX/2021 XXXX XXXX Deposit Funds Transfer to checking/savings $ XXXX BANK OF AMERICA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX Transfer Return {$5000.00} BANK OF AMERICA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX Transfer to checking/savings $ XXXX CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$1500.00} CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$1500.00} CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$1500.00} CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$1500.00} CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$1500.00} CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$1200.00} CA XXXX XXXX XXXX XX/XX/2021 XXXX ACH Load Credit {$900.00} Totals {$14000.00} $ 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 2019-04-11
Company: TCF NATIONAL BANK
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 TCF agreed to stop collection as you can see in my cfpb account. XXXX XXXX filed derogatory report on my credit account on XX/XX/XXXX and XX/XX/2019. Please help me stop it as promised. Thanks!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX Inquiry XX/XX/2017. I did authorize this Inquiry. I contacted XXXX XXXX and they are supposed to remove it

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 2019-04-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX is reporting a debt on my credit file that I do not owe. I have never had XXXX XXXX. This debt needs to remove off of my credit. This is a violation of the FCRA.

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 2017-12-01
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:
Complaint was filed with Consumer Financial Protection Bureau on XX/XX/2017. XXXX could not be sent complaint, turned over to goverment agency. XXXX XXXX responded that they are ceasing collection activity on this account. 
CFPB Complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Navient Solutions, LLC.
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:
This is a follow up from my previous complaint which led to 0 change. 

I live in XXXX. 

First, I was told by a Navient customer service representative that I would have no problem making payments from a foreign bank account. I then shifted all of my money to my account in the country where I live. I then found out that autopay is in fact impossible without a US routing number, which actually increases the amount I need to pay. Bad information fro Navient. 

More recently, I made the decision to come off of my income driven repayment plan based upon two emails I received from Navient that said quote : " On XXXX/XXXX/XXXX, your Monthly Payment for your loans enrolled in an Income-Driven Repayment ( IDR ) plan is set to increase to {$160.00}. 

This is the maximum amount you 'll be required to pay each month while you 're in an IDR plan, but you may be able to lower your Monthly Payment if you qualify for a new XXXX partial financial hardship period. '' XXXX was certainly a payment that I was able to make, so I let my IDR expire only to see that my payment was indeed quite a great deal more than XXXX. Bad information from Navient. 

Furthermore, calling Navient to actually make my payments continues to be nothing short of farcical. First, I need to call either from XXXX which is unreliable, or from a landline in XXXX which is costly. Then, each time I speak to them, I have to go through the same song and dance about the phone number they have on file ... .I mean this most recent time must have been the XXXX or XXXX time I have been asked to verify if my phone number was still one from when I lived in XXXX XXXX which I have n't lived in for nearly a decade. 

What kind of nonsense is this? What is happening to the up to date information that I have repeatedly supplied them? Why is it that they can get away with such persistent incompetence, especially given the fact that this incompetence has more than once caused me financial stress and hardship? I also ca n't help but feel that Navient 's payment system discriminates against people who no longer live in the USA, making it nigh on impossible to simply make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: Experian Information Solutions 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 REVIEWED A COPY OF MY CREDIT REPORT AND FOUND A FRAUDULENT CAR LOAN IN MY EXPERIAN REPORT. I HAVE NEVER HAD ACCOUNT WITH XXXX. I AM A VICTIM OF IDENTITY THEFT. THIS ACCOUNT IS A FRAUDULENT ACCOUNT. EXPERIAN CREDIT REPORTING AGENCY DELETED THE XXXX ACCOUNT AS OF XX/XX/2019. IN SPITE OF THAT, EXPERIAN REINSERTED THIS FRAUDULENT ACCOUNT BACK TO MY CREDIT REPORT AND MY CREDIT HISTORY WAS DAMAGED.

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