BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: Procollect Services LLC
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed my debt and per their paperwork it says they must send a verification of debt. I never received verification letter. I have received a summons for it without the verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
my information has been stolen and this is fraud.

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2018-02-06
Company: Universal Recovery Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
2013 This account is not mine. My wallet was lost and someone used my identity. Can you please remove this from my credit report is is affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2023-09-11
Company: Jon Barry and Associates, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Paragon Revenue Group DBA Jon Barry & Associates , Inc. 
XXXX XXXX sent mail to my house asking for money this is a result of identity theft and mail Frauds. Elements of Mail Fraud 18 U.S. Code 1341 - Frauds and swindles intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer ... ... ... ... ... ... ... ... ... ..... I XXXX XXXX had NO transactions completed between me and Paragon Revenue Group DBA Jon Barry & Associates, Inc.I do not know them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: ENOVA INTERNATIONAL, INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2022 I applied for a loan and on XX/XX/2022 they said my loan was ready it had been matched with a offer. On XXXX XXXX they emailed me to add income verification which I sent in. However on XXXX XXXX they denied my application due to credit denial or termination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Navient Solutions, LLC.
State: TN
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:
I had to borrow money thru a private loan to complete my XXXX XXXX XXXX at XXXX University. I borrowed XXXX on XX/XX/XXXX and {$8000.00} on XX/XX/XXXX. Navient has my student loans. I started paying those loans back in XX/XX/XXXX. I pay around {$170.00} each month on the total loans combined. As of right now, I still owe {$6800.00} on the {$8000.00} loan and {$4600.00} on the {$4500.00} loan. How is this possible? I called back last year to see about a different type of payment or lower interest rate. They said they couldn't do that, but I could get a deferment which I used two separate times for a total of 6 months last year. I had been bit by a cat and had XXXX in my right hand. I missed a lot of work ( I'm a teacher ) and I had a lot of copays and doctor bills that I had to pay, in which I am still paying on. I just feel like paying off this loan is a loosing battle. I mean how can I still owe so much on these original balance or even owe more on the {$4500.00} loan than I even borrowed to begin with? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.XX/XX/XXXX Balance Owed : {$540.00} ; XX/XX/XXXX Balance Owed : {$4000.00} ; XX/XX/XXXXBalance Owed : {$1800.00} ; XX/XX/XXXXBalance Owed : {$0.00} ; XX/XX/XXXX XX/XX/XXXX Balance Owed : {$1800.00} ; XX/XX/XXXX XX/XX/XXXX Balance Owed : {$3300.00} ;XX/XX/XXXX XX/XX/XXXX Balance Owed : {$1800.00} ;XX/XX/XXXX Balance Owed : {$3200.00} ; XX/XX/XXXX Balance Owed : {$1700.00} XX/XX/XXXX Balance Owed : {$3300.00} ; XX/XX/XXXXBalance Owed : {$2500.00} ; XX/XX/XXXXBalance Owed : {$1800.00} ; XX/XX/XXXXBalance Owed : {$2500.00} ;XX/XX/XXXX Balance Owed : {$1800.00} ; XX/XX/XXXX Balance Owed : {$2500.00} ; XX/XX/XXXXBalance Owed : {$4200.00} ;XX/XX/XXXX Balance Owed : {$2500.00} ; XX/XX/XXXXBalance Owed : {$4200.00} ;XX/XX/XXXX XX/XX/XXXX Balance Owed : {$3200.00} ; XX/XX/XXXX XX/XX/XXXXBalance Owed : {$1800.00} ; XX/XX/XXXX XX/XX/XXXX Balance Owed : {$1800.00} ; XX/XX/XXXX XX/XX/XXXX Balance Owed : {$3300.00} ; XX/XX/XXXX XX/XX/XXXX Balance Owed : {$2500.00} ; XX/XX/XXXX XX/XX/XXXX Balance Owed : {$1800.00} ;XX/XX/XXXX XX/XX/XXXX Balance Owed : {$2500.00} ;XX/XX/XXXX XX/XX/XXXX Balance Owed : {$4200.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: AES/PHEAA
State: DE
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:
Credit report shows late on both XXXX and XXXX. Requested to be fixed by Fed Loan and they refused. I was informed by credit bureaus that it isnt their job to make sure its correct. It needs to be corrected because it is keeping me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
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: Information belongs to someone else

Complaint:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2023-09-11
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Auditor from tower loan called inquiring about a check cashed in my name at XXXX XXXXXXXX that I didnt cash

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
I sent letters out to all XXXX credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase sent me a letter dated XX/XX/XXXX that they were closing my credit card account " because continuing the relationship creates possible reputational risk to our company ''. 
I called the number on the letter " if you have any questions '' and when I spoke with a supervisor, he refused to give me any explanation on why they were doing this. My financial record is spotless and my credit score is XXXX but will drop significantly when they close this account on XX/XX/XXXX. I have one XXXX NON-FINANCIAL XXXX conviction on my record. What would this have to do with closing my account and hurting my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX, XXXX has sent numerous collectors to my residence ( one banging on my front door viewed via my Ring doorbell camera ). To my knowledge I received a bill and after that their agents came to my house. I emailed them a cease and desist letter to their email address XXXX on XX/XX/2019. They continue to send correspondence dated XX/XX/2019. 
They claim I owe {$4700.00}. I was never given an opportunity to dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions 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 status incorrect

Complaint:
At this time these reporting companies are in violation of 15 U.S. Code 1681a. Section 2 ( A ) The code states as follows. 

( 2 ) Exclusions the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
This states any collection account or accounts bearing late payments on my report is transactional in fact and also are a reflection of an experience shared with the the creditor then forwarded to you without my knowledge I haven't given any consent to disclose this information on my report. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Wolf River Development Company
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed {$300.00} tried to payoff the amount of {$450.00} still high in 90 days. However they are charging my {$82.00} biweekly for a year, which equals to {$1900.00} quadruple what i borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: WA
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 is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is a formal request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. The error on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. If I receive another response that stalls the correcting of the errors on my credit report, I will be forced to take additional actions to ensure my rights are honored. Please DELETE this account form my file : Original creditor : XXXX Date opened XX/XX/2021 XXXX $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: TX
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:
FCRA state that all information on credit report must be accurate, I was looking over my credit report & found three fraudulent derogatory marked accounts, this have left me in a state of XXXX! XXXX XXXX XXXX was the original creditor this debt was sold which is illegal & now these fraudulent accounts are on my name, I wish to have these accounts removed from my account at your earliest convenience!! 

XXXX XXXX XXXX XX/XX/2019 Open Balance : {$1200.00} XXXX XXXX XXXX XX/XX/2019 Open Balance : {$680.00} XXXX XXXX XXXX XX/XX/2019 Open Balance : {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a CITI Checking and Savings account in order to receive a stated {$500.00} bonus into my account after completing activities. Promotion code was XXXX. I opened the account on XX/XX/2019. However, after account opening there was a delay in receiving my debit card and pin number, which I contacted CITI about. They told me the delay won't affect my bonus as I will have some additional time to complete requirements. I rushed to deposit the {$15000.00} as soon as possible, and set up my direct deposit as well, which was the second requirement. After waiting over a month, I contacted CITI again to ensure everything was okay and that I was on track to receive the {$500.00} bonus. I spoke with XXXX over chat, which I have attached, on XX/XX/2019. They stated that I have completed all activities as discussed, and only need to wait the additional time with the money in my account. I wait almost another month and a half, and do not see the bonus. I contact CITI again in order to receive the bonus, and they file a claim with which I received a letter after three months stating that I did not apparently meet the requirements, even though I had discussed this with CITI multiple times that an error on their end delayed my account opening and funding.

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 monetary relief
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-02-09
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: Investigation took more than 30 days

Complaint:
Today, I filed Complaint # XXXX involving XXXX  with Consumer Financial Protection Bureau ( CFPB ). XXXX deemed the complaint quickly as duplicate by end of day. I was submitting XXXX NOTARIZED Identity Theft Victim Affidavit that was notarized just earlier in the morning prior to submitting. I left a message few days ago for XXXX at the Card Executive Office to see how to submit. When I didnt hear back from him ( which is not unusual ) I submitted the affidavit with CFPB. I get more done with submitting with the CFPB instead of trying to contact companies direct. Plus after 4 years, I am ready to be heard, have the fraud and theft recognized, and regain my credit.

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 2023-10-03
Company: National Credit Systems,Inc.
State: OR
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I was hospitalized due to severe illness. Since then, I have been in and out of hospitals and on long-term XXXX from work. Upon move-out from The XXXX XXXX in XXXX, we were never asked for a forwarding address. As such, they notice of our move-out costs was sent to the address they had on file, which was the same address at XXXX XXXX. Essentially, they mailed the notice to our previous address with them. We called XXXX XXXXXXXX and they confirmed this over the phone, and confirmed they do not have our new address and to expect a callback once they spoke to management. We never received a callback. 

The first notice of the debt received was from National Credit Systems , Inc. and due to being on Long Term XXXX, I am receiving care out of state. So I was first made aware of the " Debt '' from my credit report. We have never had an issue with a past landlord as per our history, and it is clearly evident that The XXXX failed to properly notify us of our move-out fees by failing to acquire our updated address. It is evident that National Credit Systems , Inc. was only able to locate our new address using their capabilities as a debt collection agency. 

Due to the nature of my XXXX, I contacted National Credit Systems , Inc. via email to no response and thus have come to CFPB for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: PA
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 is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}

Company response to consumer: Closed with explanation