BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
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 original default date with original creditor ( XXXX ) is XX/XX/XXXX. Portfolio Recovery in response to my initial dispute presented information that represents a false picture by submitting a bill from XX/XX/XXXX as evidence of account accuracy. This is misleading and skirts the fact that this account has been in default status for over 7 years. XXXXXXXX also did not investigate to determine this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Transunion over the phone about a fraudulent inquiry, from XXXX XXXX XXXX, they refused to look into this issue. The lady over the phone was very rude and told me that I wasn't a victim of 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 2018-07-06
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was treated at XXXX XXXX Hospital ( " ER '' ) as a result of a motor vehicle accident. I received a bill for {$1600.00}. On XX/XX/18, I paid {$1600.00} online to ER and received a receipt reflecting the same. On XX/XX/18, I received a letter from AMCOL Systems ( " Debt Collector '' ) attempting to collect {$1600.00} on behalf of ER. I contacted Debt Collector via telephone but was unable to speak with a live person. On XX/XX/18, I mailed a letter to ER and Debt Collector providing a copy of my bill, receipt stating the bill was paid in full on XX/XX/18, and a copy of the collection letter sent 37 days after my bill was paid in full. I also disputed the validity of the debt and requested debt verification under the FDCPA. No response was received. Yesterday, I received notification from my credit monitoring service that this account was formally " in collection '' on my credit report and three major FICO scores dropped 58, 50, and 40 points as a direct result. I have written proof of everything that has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: WELLS FARGO & COMPANY
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an outstanding credit card debt with wells fargo ( XXXX ), and I am trying to settle ( dont have enough, nor foresee a point that I will have enough, to pay the debt in full ). I have had this debt since XX/XX/2016. 

Wells Fargo refuses to negotiate settlement terms ( must pay 60 % ). Other banks negotiate these terms, or at least offer less than 60 %. 

The degree to which settling the debt will impact my credit score is significant, such that 60 % is not worth the settlement. However, there is no way I could pay the full amount. 

The credit card ( XXXX $ limit ) was issued when I was XXXX, had no job, and was paying for college ( through wells fargo loans ). 

I feel their tactics in getting me hooked ( and forever in debt ) are predatory. I am trying to get myself on my feet again, and there is no help from wells fargo.

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 2018-02-15
Company: JPMORGAN CHASE & CO.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Monies were transferred twice, to a bank in XXXX, TX, once on XX/XX/XXXX and XX/XX/XXXX for a work visa and health insurance for the XXXX in regards to a job with XXXX XXXX XXXX. This job as it seems never existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: WELLS FARGO & COMPANY
State: GA
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:
A letter was sent for dispute which included an affidavit attached for fraudulent information reporting on my credit file. There are two accounts that are inaccurately appearing on my credit report from your company. According to FCRA 609 you all have the obligation to remove fraudulent information from my credit report. At this time more than 30 days has passed and I have yet to receive a reply or correction on my credit reports. I have contacted all 3 major credit bureaus to correct and they claim you have verified the information but have yet to send any proof of my consent to these accounts.

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 2018-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new Law effective XX/XX/2017 any public record data must include the Name, Address, SSN and DOB to legally appear on the credit file. The Credit Bureau has failed to update my credit report in accordance to the law. My credit report does not contain the information required by law to be reported as such, I am requesting the immediate removal of all and any records including the fictitious reporting of the bankruptcy. The us court has verified this debt was never validated and it is not being reported correctly.

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 XXXX with acct # XXXX is reporting incorrectly. This ongoing and continuous violation of the Fair Credit Reporting Act is causing me undue stress and is a defamation of my character.

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 2021-07-01
Company: United Collection Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Experian Information Solutions Inc.
State: NM
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 and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

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 2018-03-27
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection Agency letter from XXXX XXXX   sent to my XXXX XXXX but name incorrect. That agency is wanting money for a XXXX USA phone bill. We have never had XXXX  account therefore do not owe anything. The problem is when checking credit agency bureau, a SOFT INQUIRY into my credit shows up from XXXX  XX/XX/XXXX and another inquiry from XXXX XXXX on XX/XX/XXXX. We are concerned about damage to our credit history/score from unknown person using our address. The scammers name is listed and similar to my own, however the XXXX XXXX has been in use by me for 20 years and the Soft Inquiries appear on our XXXX credit reporting agency report. There was also a phone call to my wife 's cell phone number XX/XX/XXXX wanting 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 explanation
Consumer complaint received 2021-07-01
Company: SECURITY FINANCE CORP
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I XXXX XXXX have had a loan from contental credit for 2 years in order to build my credit score which has proven in its self a challenge. XX/XX/2021 I was told that if I paid on time that on XX/XX/2021 I would be allowed to take the maximum loan I could by re-newing my loan which was XXXX XXXX I was told this twice on XX/XX/2021 and later in the month when I called to confirm the loan was XXXX $ the woman who answered called back to XXXX the higher up loan officer who with her own words claimed yes his loan amount for renewal was XXXX. On XX/XX/2021 I called and spoke to XXXX who replied no I can not approve this loan ( REASONS ) her first remark was I don't want my BOSS to see that I raised you up 5 tiers. Now I don't know what a tier is or why it would matter I want to know why I was scammed and lied to even though I do always pay my payments on time minse the one time I was crippled and could not leave my bed and had also lost my debit card. But I paid the loan in person while in searing pain I brought them the money I owed and I was scammed and lied to!!!! Why? 
( SECOND REASON ) your XXXX and I can not loan you over a certain amount. Talk about blatantly discriminating your are XXXX so your capped at this level. That was a cruel and no dought about it illegal way to say you XXXX are a poor person and we will not give you this money. But in america the down trodden stay down trodden and companies such as this see to it .... I do not care who this offends It wrong that a company will lie to a customer that is a good customer and dose their part of the contract made. Why then am I left empty handed and have to defend myself when I'm innocent but was wronged ... this happens all to often to people In my situation we are stepped on and treated like less than. It is not right.

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 2020-07-11
Company: Experian Information Solutions 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:
FTC Violations XXXX XXXX XXXX XXXX {$2700.00} XXXX - XXXX XXXX {$5700.00} XXXX  XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX   {$940.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/17 I was in a terrible car accident after being rear ended by another vehicle. My loan company was with XXXX XXXX XXXX XXXX The person that hit my car from behind insurance company ( XXXX  ) seemed my car totaled, I also had GAP insurance. I had the car towed to a mechanic and XXXX XXXX corresponded with XXXX XXXX, I paid for the GAP insurance through XXXX XXXX as well. After the car was totaled I never saw the vehicle again. XXXX XXXX was Paid by XXXX XXXX, XXXX XXXX had all of my GAP information. This car is being reported on All three credit reports as a repossessed car. I have appealed this account through Transunion, XXXX and XXXX  and they arent even contacting XXXX XXXX XXXX XXXX because I receive updates like two days later saying investigations complete. Please help. I want XXXX XXXX XXXX XXXX reported on my credit as paid in full because two different insurance companies paid them.

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 2020-01-27
Company: FIRST NATIONAL BANK OF OMAHA
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2020-05-19
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a XXXX XXXX XXXX  XXXX veteran of the XXXX and I was approved to have all my student loans discharged through the XXXX discharge process on XX/XX/XXXX through XXXX. I had 15 loans in total, 11 loans have been discharged and reported to the credit bureaus and taken off my credit report. However, 4 of these loans have not been discharged that were included in this XXXX   process. I have called XXXX several times and they keep saying it is nothing they can do and to contact Navient the servicer on these loans. I have called Navient on XX/XX/XXXX, I spoke with XXXX and was told to check back in 7-10 business days and the loans would be discharged. That did not happen. I called Navient back on XX/XX/XXXX and was told that XXXX  the guarantor had requested information and the information requested was sent back to XXXX and they were waiting on the payment for the claim from XXXX. The loans are still waiting to be discharged. I called Navient back today XX/XX/XXXX. I spoke with XXXX a customer representative and explained the situation and she transferred me to Ms. XXXX in the claims department and I explained the situation again and she put in an expedited ticket to the process dept to find out why these loans have not been discharged. She  ( Ms. XXXX ) stated this would be the 4th time this has been sent to the process dept. XXXX, XXXX, and XXXX have these loans discharged, Navient is the only one that is not accurate and keep giving me the run around instead of having these loans discharged and reported to the credit bureaus as such. I am looking to have these loans discharged as they were approved to be discharged. This  whole process is exasperating my XXXX. The guarantor XXXX ( I spoke to XXXX ) stated that on XX/XX/XXXX 3 of the 4 outstanding loans were paid and the last loan will be paid on XX/XX/XXXX. We also placed a conference call to Navient so they can get the information firsthand from the guarantor that the loans have been discharged. I have been told that I must wait until XX/XX/XXXX to get an answer from the expedited ticket. I should not have to wait another day to get answers or the loans discharged. I have uploaded the loans in question from Navient, the payment history on the loans, and the letter from XXXX stating my student loans were approved for discharge. I am seeking help to get these loans discharged through Navient.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-30
Company: Experian Information Solutions Inc.
State: VA
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 have been submitting letters to the credit bureaus since XXXX. The last letters I sent in XXXX. XXXX  responded that the account was verified by courts which is untrue because I have letter from court stating they dont give information to credit bureaus. XXXX XXXXnd Experian has yet to respond and its been 30 days but I sent letter to them as well from the bankruptcy court asking also that the information for Bankruptcy be removed from XXXX credit report. 

XXXX XXXX XXXX XXXX XXXX GA XXXX Experian, XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXXXXX

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 2018-02-14
Company: Army and Air Force Exchange Service
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is my 2nd complaint with CFPB against XXXX XXXX. My original complaint was closed and XXXX XXXX provided the attached information in response to my complaint. The information they supplied Doesnt Belong and i have no connection to XXXX XXXX which further shows star did not research my complaint and only supplied anything to have it closed. I will escalate this issue further if i have to because it is clear XXXX XXXX does not ensure customer privacy or care about their customers. 

Below is my complaint : I have been a XXXX XXXX Customer for about 13 years. During the course of those 13 years i have gone on 7 XXXX. During the course of those XXXX to XXXX and XXXX there have been times i have had no access to computers or a store location to pay. SCRA benefits have never been applied to my account during these times.

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 2022-08-06
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act XXXX  accounts # Dispute XXXX XX/XX/XXXX XXXX Account Details Payment Status Account Number XXXX Condition Paid Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX  Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Charge account Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Account has been closed due to inactivity.| Creditor Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Phone # XXXX XXXX Between XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Account Details Payment Status Account XXXX XXXX Condition Closed Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX  Monthly Payment XXXX Last Payment XX/XX/XXXX Status OK Loan Term XXXX Loan Type Credit Card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks The following Accounts was in dispute- unresolved Creditor Information XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Best, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation