BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-09
Company: Consumer Portfolio Services, Inc.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
There was not a accurate selection for me to pick on my complaint. Reason for my complaint is for harassments being aloud by consumer portfolio financial. I have had this company with mine and my sons car loan for a little over a year now. my son was starting off with no credit, I didn't have bad credit, but used up all credit I had. which led us into no choice from what we were told to accept this loan for one year the to refinance. Well what they are really doing to people. Not knowing we were going to go into a pandemic and stress and financial struggle, we have still made all payments on time, or should I say within the 30 day mark at least the past couple months due to some temporary hardship due to the pandemic. well people like us can not refinance after raising credit score because they added to much to our loans> Never marked late payment on credit report> I always make sure. which means I'm not behind. I assume right. 
Well to this date i am only four days behind, ok. this company will call your phone everyday if you are a day past due by one day and everyday on. if you are 2 weeks behind but not 30 days behind they will call all your references everyday there forward. ok well today I received a phone call call from my sons father XXXX XXXX XXXX stating him and his wife both received phone calls separately from a very disrespectful demanding information on my son XXXX XXXX and myself XXXX XXXX. Now here 's the thing. due to very various and personal reasons my son has not spoken to his father in years nor talks to his wife at all. myself only keeps things minimal in the past year but absolutely no contact with wife. Which means there was absolutely none of there names nor contact information written on my contract at all, nor did any of our references had any way to have contact information on them to give due to legal reasons and when I say there is absolutely no way they were giving information on him or his wife through my references> absolutely impossibly ... 

with this said I have asked for a copy of contract today and will be looking into everything and seeing how these financial company 's are bein aloud to get away with extra fees and harassment 's calls and etc. specially on people who are trying to make a start or a new start> that shouldn't be a trap and made for people to fail. the pain and stress people are going through, terrible. 





XX/XX/2020 p.s. as of today XXXX is paid and XXXX bill is 4 days past due

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: PDQ Services, Inc.
State: GA
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:
On XX/XX/2018, I found a debt on my credit for XXXX XXXX XXXX XXXX. The debt was deceptively added and I had no idea it was there. The company that added it did so unlawfully. I called PDQ services ( http : //www.pdqservices.net/ ), asked the rep what the debt was for and she could not tell me. She said they would do an investigation on it. The next day, XX/XX/2018, I called again and the rep told me the debt will be removed and they would be notifying the credit bureaus. I asked again what the debt was for and she could not tell me. I asked for something in writing regarding the debt and the request for removal. She transferred me to a supervisor named XXXX who rudely told me not to callback, she said they will not be sending me anything in writing and hung up on me. I am reporting PDQ servdices for violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX {$1300.00} {$820.00} CHARGE-OFF XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX Previous Address : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX Previous Address : XXXX XXXX XXXX APT XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, XX/XX/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 2023-10-21
Company: Experian Information Solutions Inc.
State: VT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There is an account on my credit report that says I owe them money for something. I've never done business with them I have no idea who they are. Experien just keeps saying " oh they verified, '' how the XXXX would they do that when I've never done business with them. This is the second time I've disputed the validity of this report and twice now they've just blown me off automatically siding with whoever this company is. 
This is costing me money by hurting my credit score with no option for recourse without spending a ridiculous amount of time and money. 
But hey this is how you keep poor people poor and the rich, rich I guess. 
Just another scam working against consumers.

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 2023-07-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I got a notification from XXXX that my credit score went down significantly. Then noticed that there was a JP Morgan Chase credit card listed in my credit score that was opened in XX/XX/2022, that was not me. I only have an XXXX XXXX and a XXXX XXXX  XXXX debit card. I have never had an account with JP Morgan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23
Company: Amsher Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have Appealed this debt with my insurance and am waiting for the appeal process to complete. this creditor calls up to 12 times a day, even though I have asked for paperwork and paper billing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Avant Credit Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/2020 @ XXXXXX/XX/XXXXeastern time. I have made my 3rd attempt to contact AVANT Credit card customer service to be sent a final bill so I can pay the account in full. I was told for the 3rd time that they would submit a ticket and see what they can do. I was told that it could take up to 14 calendar days for a response. I have gone through this 3 times and have not received anything from them. In the mean time the late fees and interest continue to add up. They also continue to report to all 3 credit bureaus and now again my credit score has dropped another 30 points. All I wanted was the bill to make the payment. I have just returned to work after being off for 13 weeks I am struggling like many other people during the pandemic. I am trying to do the right thing and just pay my bills. After months of trying to settle this account I have come to a point I don't know what way to go. Is there anything you can do to help me resolve this matter. They are going to continue to destroy my credit with their late payments and charge off. All I want is the Bill to pay them. I don't think what they are doing should be legal. They are avoiding the final bill to accumulate late fees and interest no matter the amount when it is done to thousands of people it adds up. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2019-01-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My consolidation was denied even though Iv been paying my loan for six years without missing a payment.

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 2018-09-03
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
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 have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and NAVIENT with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed with XXXX XXXX, XXXX and Transunion about this account several times. I have a collection reporting on my account as an open account, which is incorrect, the account was paid off as a pay for a delete account. XXXX deleted this account on XX/XX/2020 and XXXX and Transunion refuse to investigate the accuracy of the account. Transunion sent me a letter after several attempts to get this item removed, stating they applaud my efforts in trying to fix my credit, but have yet to do a proper investigation. This collection appearing on my credit profile is hindering me from securing 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 non-monetary relief
Consumer complaint received 2018-09-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hi, My Name is XXXX XXXX, i have unauthorized hard inquires on my credit and i have now fraud on my report someone applied for credit benefits and i did complaint already to XXXX  and removed all of them, but now equifax and XXXX don't removed so i contact each creditor who made this hard inquires and effect my credit and no answer from them and have now fraud alert 90 days at 3 agencies bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon checking my credit report on XX/XX/XXXX, it has come to my attention that XXXX XXXX XXXX has reported to all the credit reporting agencies such as XXXX, XXXX & XXXX that I'm not making any payments where in, Portfolio Recovery Associates, XXXX has forwarded my account to Collections which is XXXX XXXX XXXX amounting to {$5900.00}. Thereafter, the account was settled in the amount of {$2900.00} around XX/XX/XXXX. Settlement agreement stated that Portfolio Recovery Associates accepted the settlement amount less than in full account balance as long as the payments were made in accordance with the negotiated terms. As of present I never been late and still continue to pay XXXX XXXX XXXX {$170.00} every end of the month which comply to the payment agreement. From XX/XX/XXXX to XX/XX/XXXX, the total payments made was {$1500.00} and the remaining balance should be {$1300.00}. Portfolio Recovery Associates, XXXX should update their records in regular basis & correct all the discrepancy that reflects on my credit report. Original Creditor Is XXXX XXXX. 
On XX/XX/XXXX, I have contacted the XXXX XXXX XXXX to bring this problem and was told to contact Portfolio Recovery Associates since they are the XXXX responsible in reporting the account to the credit reporting agencies. I did call Portfolio Recovery Associates but they have declined to help me and told me to cal XXXX XXXX XXXX instead because they are the ones who negotiated the account. I feel like a ping pong ball that time, people pass me through the other & the other pass me through another person. In the end I got no help. On the same day I have contacted all the credit reporting agencies such as XXXX, XXXXXXXX  & XXXX  to report the discrepancy on my account and advised me to submit requirements together with a formal complaint letter which I did the same day. 
I am requesting that the discrepancy stated above be thoroughly investigated and be corrected as soon as possible. I also request that Portfolio send me a notice in writing that they have already fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: LEXISNEXIS
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: Was not notified of investigation status or results

Complaint:
I wrote a letter to Court house and received their response regarding the Bankruptcy Chapter XXXX I have on file stating that they don't report any Bankruptcy to credit bureaus as well as I also received the response from LEXINEXIS for XXXX that this Bankruptcy should be remove, delete to my credit report ASAP Chapter XXXX Bankruptcy Reference # : XXXX & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Factor Trust
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Factortrust occurred on XXXX XXXX and XXXX XXXX. I got two inquiries that needs to be removed immediately ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-20
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting 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 2021-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I attempted to use a balance transfer to another Credit Card while i'm in an accelerated graduate school program for one year working part time. Instead of Bank of America processing the amount I requested, they processed a repeating payment of an amount I did not agree to my XXXX XXXX resulting in repeated cash advance fees. The repeating transfers were fraudulent and incorrect amount and I lost my promotional APR balance transfer on my new XXXX XXXX. Bank of America also closed my credit card account, negatively impacting my credit score. I tried to call and correct this with them and they hung up on me and did not return my call and proceeded to close my credit card 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 explanation
Consumer complaint received 2018-07-31
Company: Diversified Consultants, 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:
After pulling my credit report I noticed there was an account from Diversified Consulta I called the company explained that it did not belong to me and they explained I needed to file a fraud acct which I did after filing it I called back and they told me I had to wait 90 days before it would be resolved. They are just giving me the hardest time trying to get this matter cleared up I have a mortgage pending and 90 days is not acceptable I called back and ask if I could get any information about the account showing that I have filed fraud charges and they told me no I just needed to wait. I spoke with XXXX XXXX XXXX and filed a fraud claim for them as well and they have are telling me the same thing. According to XXXX XXXX XXXX this account was open at a different address than mines for the amount of {$890.00} also the dates is XX/XX/2016 to XX/XX/2016 and I was under a lease at my current address at that time I want this deleted and removed from my credit immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-13
Company: Accelerated Financial Solutions, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Approximately 5 months ago, I disputed this item with all 3 credit reporting agencies as the item not belonging to me. Upon completion of the investigation, it was determined that the account did not belong to me and the item was deleted from my credit file at all 3 agencies. On XX/XX/2018, this item was reinserted on my XXXX credit report. This item has been disputed 3 times now, with results proving the item does not belong to me, yet it continues to be deleted and reinserted. Also, in accordance with the requirements of the FCRA, the consumer reporting agency should notify the consumer of the reinsertion 5 days prior to reinsertion. I did not receive said notice, therefore, this is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not owe this debt, it was paid months ago and it is still listed on my credit file that I owe even me disputing it stating I do not owe and nothing. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My student loans were forgiven under TEPSLF program. I was never late and never delinquent. My original balance was {$34000.00} in 2004 and around $ 16K was the amount forgiven. I recently noticed my FICO score had dropped 100 points! 

Transunion was reporting that I had a $ XXXX balance within the past year, that I was over 90 days delinquent, and that the loans were written off as a bad debt. All of this is wrong and I disputed it. They corrected the bad debt part, which so far has changed nothing about my credit score. 

Transunion still lists me as 90 days delinquent. They also show the $ XXXX as a recent high balance. XXXX, the student loan servicer, does not show these errors. 

XXXX  dinged my FICO score with similar errors to Transunion. However, they have corrected my credit report and are no longer reporting a false delinquency. 

I have now spent hours online, on hold, on the phone trying merely to introduce written proof that this is information is erroneous. The phone person refers me to the web page, the web page tells me I have to use the mail. It's all set up to make a dispute impossible.

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