BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: OneMain Finance Corporation
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 information incorrect

Complaint:
The company is reporting an account on my XXXX report with 2 different account numbers and 2 different last activity dates. Also one account show delinquent and the other shows paid as agreed. I have called this company several times about this issue and I have also disputed this with XXXX. XXXX is not cooperating either. Its is against the credit reporting laws to reports duplicate accounts. The attached documents are marked with the incorrect information being reporting to XXXX. I will seek legal credit reporting assistance if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received numerous robocalls and telephone calls on my cell phone from XXXX XXXX XXXX and its collection agency Credence Resource Management LLC for {$78.00}. I had switched internet service to XXXX and terminated this account as of XX/XX/XXXX, but they still demanded payment for XXXX service for two cycles from XX/XX/XXXX through XX/XX/XXXX, after their service had been terminated. 

XXXX XXXX XXXX has an answering service which will not respond with a live operator unless the amount is paid. I refused to pay the amount and XXXX XXXX XXXX made a number of robo-calls on a daily basis during work hours. XXXX XXXX XXXX eventually called through a live operator, and I told him that the amount is disputed ( despite the fact that they had already received their leased equipment back ). They next submitted their claim to Credence Resource Management LLC whose employee called me on my cell phone during work hours, threatening to sue and blackball my credit unless it is paid. Again, I told this person also that this amount is in dispute. Notwithstanding, Credence sent me a letter of collections demanding payment.

This is a small amount and it is much easier for me to just pay it. But I am so incensed by XXXX XXXX XXXX and the threatening tone of Credence that I felt it was necessary to point this out to CFPB and to the public. When I went to the XXXX XXXX to send back the leased equipment to XXXX XXXX XXXX, there was a line of people all waiting to do the same, and they had gone through similar experience of XXXX XXXX XXXX 's wilful disregard for consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: AMERICAN EXPRESS COMPANY
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: Report provided to employer without your written authorization

Complaint:
Organization I work for has had a credit card account with American Express for over XXXX years. When the account " owner '' passed away, AMEX said we had to transfer the account to another officer or board member. I have had personal credit issues and inquired multiple times what would happen if the transfer was denied because of my personal credit. And I was told multiple times that any denial would be sent to my home address and not to someone else at my place of employment. 

AMEX sent an explanation of denial to my work so others became aware. 

I spoke with XXXX, a supervisor at XXXX, on multiple occasions in late XX/XX/2021. XXXX acknowledged I asked multiple times and was told multiple times that any of my personal financial history would not be shared with my employer. And XXXX acknowledged that it was done. 

I asked for four things to help fix the matter : 1 : send a replacement letter to my employer, telling them the letter was sent in error ; 2 : a letter to me with an apology for their acknowledged error ; 3 : a copy of the call transcripts ; 4 ; some financial recourse for the damage AMEX did to me XXXX said no to all four requests even though he said, " I agree. We made an error. '' All he told me over and over was " I'm really sorry. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
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:
Portfolio Recovery is reporting two different collections accounts as something different. They are listing themselves as a factoring company on one account and listed the account as open on another. They also stated that a payment was made in XX/XX/XXXX and a payment was NEVER made to this company. This is after I disputed the information with the credit bureas and they said every thing is correct. They continually change dates and remove accounts and put them back on a few months later. Now they are listing as factoring company and open accounts and they are both collection accounts.

XXXX XXXX XXXX XXXX SSN : XXX-XX-XXXX PORTFOLIO RECOV ASSOC XXXX XXXX Account Number XXXX  XXXX Account Type Factoring Company Collection Account Account Status Closed Open Payment Status Derogatory Account Balance {$570.00} {$570.00} Balance Date XX/XX/XXXXXX/XX/XXXX High Balance Business Type N/A N/A Classification Factoring Company Collection Account Company Sold to N/A N/A Date Opened XX/XX/XXXX XX/XX/XXXX Limit {$0.00} $ 0 Monthly Payment {$0.00} {$0.00} Percentage of Credit Used Terms N/A N/A Amount Past Due {$570.00} {$0.00} Responsibility Individual Individual Original Amount $ - - Original Creditor N/A N/A Date Last Reported XX/XX/XXXXXX/XX/XXXX Date of Last Payment XX/XX/XXXXXX/XX/XXXX Date Last Active XX/XX/XXXXXX/XX/XXXX Comments Seriously past due Dispute resolved ; date / assigned to customer disagrees attorney, collection agency, or credit grantor 's internal collection department Remarks Subscriber reports dispute resolved - consumer disagrees POR TFOLIO R ECOVER Y A XXXX Account Number XXXX -XXXXXXXXXXXXXX Account Type Open Account Account Status Unknown Payment Status Unknown Account Balance {$570.00} Balance DateXX/XX/XXXX High Balance {$570.00} Business Type N/A Classification Open Account Company Sold to N/A Date Opened XX/XX/XXXXLimit $ 0 Monthly Payment {$0.00} Percentage of Credit Used Terms N/A Amount Past Due {$570.00} Responsibility Individual Original Amount - - - Original Creditor N/A Date Last Reported XX/XX/XXXX Date of Last Payment XX/XX/XXXX Date Last Active XX/XX/XXXX Comments Remarks COLLECTION ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
After finding out that Equifax had a hack into their system I tried to get their XXXX service with a credit report. I signed up on XX/XX/XXXX, but as of XX/XX/XXXX am still not able to sign in to my XXXX account. I have called 5 times, each call taking at least 30 minutes of customer service. Each time I am told that the system is busy and the technical team can not handle all the requests coming in, but in a few days my password should work. I have waited over 21 days but they still can not get me into my account, and it is NOT on my part. I have followed all their directions but they wo n't give me my Credit Report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
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: Account information incorrect

Complaint:
This can not be correct. I've already paid this debt with another collection agency, and when I was close to paying it off completely, my debt went to another collection agency, and now the balance is {$1300.00}. My credit score has dropped XXXX points! I've worked really hard to increase my credit score over the last two years, and for this happen is appalling. 

XXXX XXXX XXXX XXXX XXXX Account # 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 2019-07-11
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  and Experian are incorrectly reporting the XXXX XXXX XXXX   partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated,  however I have not been successful. This incorrect reporting is harming my credit score. Please update to report accurately 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 2018-03-26
Company: Experian Information Solutions Inc.
State: TX
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:
The FCRA states that the ONLY permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) court order. 
The following inquires are related to none of the aforementioned permissible purposes. 
XXXX/XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/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 2019-07-11
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
We are consistently being charged with overdraft fees, even when there are deposits being made to the account before the overdraft fees can be assessed to our account. This has been happening for years, and when we ask for waivers of the fees because of this matter we get told that we are only allowed one waiver for the year, which is absolutely ridiculous to me, cause no other bank we bank with does that but Chase Bank. This has been a problem for us for years since we have had this account and I'm tired of trying t deal with it, with Chase directly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-11
Company: Medical Data Systems, 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: Investigation took more than 30 days

Complaint:
Medical Data Systems is reporting a debt of {$200.00} in my name which I know nothing about. I have sent a validation letter which was received by the company on XX/XX/2019 and signed by XXXX XXXX. As of today XX/XX/2019 I still have not heard anything from the company which is more than the 30 days and no verification or validation that this so called debt is mine. 
Under the HIPAA I am allowed to protect my medical privacy and I am very concerned that this company is reporting something that can not be validated or verified.

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 2019-07-11
Company: EQUIFAX, INC.
State: MO
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:
Equifax ; XXXX and XXXX  are incorrectly reporting the XXXX account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated, however I have not been successful. This incorrect reporting is harming my credit score. Please update to report accurately on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
ORIGINAL COMPLAINT XXXX AS STATED THIS IS FOR WF CREDIT CARD ACCOUNT XXXX. THIS IS NOT FOR MY MORTGAGE. THIS IS FOR A WELLS FARGO CREDIT CARD THAT HAS BEEN CLOSED FOR YEARS AND YOU ARE ADDING REMARKS TO IT WHEN IT IS CLOSED. FURTHERMORE XXXX AND XXXX CONTINUE TO ADD REMARKS ON THIS ACCOUNT & HAVE NOT REMOVED ANYTHING. CLEAN UP THE MESS YOU MADE ON MY CREDIT FILE. 

I demand XXXX REMOVE ALL COMMENTS AND STOP ADDING NEW ONES : " and dispute investigation completed, consum ; CLOSED '' The only thing this account should say are the ORIGINAL COMMENTS : CLOSED PER CONSUMER. CLOSED AND PAID. 

I demand XXXX REMOVE ALL COMMENTS AND STOP ADDING NEW ONES : Consumer Disputes- Reinvestigation in Process Consumer Disputes After Resolution The only thing this account should say are the ORIGINAL COMMENTS : CLOSED PER CONSUMER. CLOSED AND PAID. IDK why XXXX WF or any of these credit bureaus put notes on an account I NEVER disputed and that has been archived for years. These people just like to make people 's lives XXXX & disrupt their livelihood.

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 2021-12-01
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results. Please remove this ASAP.

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 2020-10-08
Company: Experian Information Solutions Inc.
State: TN
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:
Public records the court itself did not furnish any of this information to the credit bureaus. But what I do know is that the bureaus get public records information from companies ( a.k.a. Data miners ) like XXXX, or sometimes PACER. These data miners are for-profit companies that are in the information-selling business. They regularly collect public records information into their database and then they sell it to the main 3 credit bureaus., because it is a violation of the Fair Credit Reporting Act to report false information. Date contact XXXX XXXX and 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 2019-05-14
Company: EQUIFAX, 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:
I have a credit card with XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 120 days late payments. There was an error on their part. I was never 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2019, I mailed a letter to the United States Bankruptcy Court XXXX District of Florida and requested then procedure for verifying records with the credit reporting agencies. I received a letter dated XX/XX/2019 from the Bankruptcy Court stating, The Bankruptcy Court has no jurisdiction over credit reporting agencies. The Fair Credit Reporting Act, 6 U.S.C. paragraph 605, is the law that controls credit-reporting agencies. You may contact the Federal Trade Commission, Bureau of Consumer Protection ... ..

The Bankruptcy Court records are public records ; therefore, the court does not report any filings to the credit reporting agencies. Subsequently, I forwarded the letter from the Bankruptcy Court on XX/XX/2019 to XXXX XXXX, XXXX and XXXX. I requested that they re-investigate the Bankruptcy that they were reporting on my credit file. Letter read, please validate this information with United States Bankruptcy Court XXXX District of Florida and provide me with copies of any documentation associated with this record. In the absence of being able to verify this record, I formally request this information be deleted from my credit file you maintain under my Social Security number. The response I received from XXXX, dated XX/XX/2019, stating the Results of Our Reinvestigation, public records XXXX   obtained is from local, state and federal courts through a third party vendor, XXXX. I find XXXX explanation for reinvestigating with the Bankruptcy Court lacking honesty, accuracy and fairness, especially since I placed a freeze with XXXX on XX/XX/2019. Additionally, I placed a freeze with XXXX, XXXX and XXXX, all for profit information-selling businesses.

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 2017-12-05
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Navient is working my case I am been playing my loans from long time. Couples of years ago they discounted my taxes return to pay my loans and til now I am continue paying the same amount. The only thing that I want is a full investigation. 
Thank you {$30000.00} and I never took a long like that

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/21 I was buying a new router on the XXXX store and it offered split payments. There was no indication from Synchrony that I would be applying for a credit card at any stage of the process, and it appeared to be more in line with XXXX or XXXX. 

However, I immediately got several emails and notifications alerting me to a credit check, and was then shown a screen that I had been approved for a card. I immediately called the number from Synchrony asking if this had been me to try and get this fixed, they were rudely adamant that there was nothing they could do

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 2020-10-08
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX contracted with Pacific Credit Services to collect from me several unpaid bills for services rendered in XXXX through XXXX. When contacted by phone and asked to settle the debts owed, payment was not an option due to financial hardship. 

Unknown to me until recently, Pacific Credit Services assessed monthly compounded interest to each of the XXXX accounts. The XXXX accounts are currently listed with the three major credit bureaus and updated monthly to reflect the increased balances caused by the calculated interest charges. 

In XX/XX/XXXX, I contacted the accounting department of XXXX XXXX XXXX. I learned XXXX ' accounting policy is not to assess interest charges to unpaid accounts. 

" Debt collectors may collect interest, fees, charges, or other expenses to your debt only if they are expressly authorized by the agreement creating the debt or are otherwise permitted by law. If you ask, the debt collector must tell you how much it is charging you and why. '' In early XXXX, I spoke with a Pacific Credit Services supervisor. When I asked why interest is assessed to the XXXX accounts when the original creditor does not, I did not receive a clear answer. Over the following months, I settled two of the XXXX accounts, at which time PCS  waived the interest charge on those accounts. However, the waiving of those interest charges does not grant the right to add interest. 

In a letter dated XX/XX/XXXX, I requested Pacific Credit Services explain why interest charges are routinely added to the XXXX Ambulance accounts? I informed Pacific Credit Services that XXXX XXXX XXXX does not consider interest charges on unpaid accounts. 

As of this writing, I have not received a response from Pacific Credit Services.

Company response to consumer: Closed with explanation