BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-17
Company: Harvard Collections, LLC
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:
XX/XX/XXXX I mailed a dispute letter to XXXX XXXX XXXX and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 200 complaints on BBB they also have over 100 complaints with the CFPB! 

THERE IS TWO DIFFERENT ACCOUNTS BALANCES WITH THE SAME EXACT ACCOUNT NUMBER BUT DIFFERENT OPEN DATES, HOW IS THIS OBVIOUS INACCURACY POSSIBLE? PLEASE DELETE ALL 3 ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Persolve, LLC - Legal - Series 2
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Persolve , LLC has failed to provide proper verification that an account belongs to me, and furthermore it has been noticed that they are illegally charging some type of additional fees/interest to this account on a month basis. After dispute, they not only failed to prove that the account was mine but also how they can substantiate a balance that they are reporting as a higher balance by hundreds of dollars on a monthly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello This complaint is against the three credit reporting companies. XXXX, Trans Union and XXXX. I noticed some discrepencies on my credit report so I put a credit freeze with XXXX.on XX/XX/2019. I then notified the three credit agencies previously stated with a writtent letter dated XX/XX/2019 requesting them to verifiy certain accounts showing on my report They were a Bankruptcy and a bank account from XXXX XXXX XXXX. 
The response from XXXX and XXXX  was that it was verified through their third partner XXXX. That can not be correct because I have a Freeze on my XXXX XXXX account since XX/XX/XXXX. which no one can obtain my report for anything until I unfreeze it. 
I wrote XXXX and XXXX a second letter and mailed them on XX/XX/2019 telling them that they have lied when they said that they verified the two accounts in question using XXXX because I have a freeze on my account and when I called XXXX on XX/XX/2019 they stated that no one has requested or attempted access to my account this year. I told them that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. Only XXXX wrote back a letter dated XX/XX/2019 stating that XXXX verified the accounts and that I should talk to them if I have a complaint. 

Trans Union never responded to my letter dated XX/XX/2019 to verifiy the two accounts in question since and the 30 plus days to investigate my claim has been expired. When I Checked my Credit report with TransUnion, It states that they too uses XXXX to verify the two accounts in question. I also wrote them a second letter and mailed it on XX/XX/2019 stating that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. 

Please investigate these compnaies because what they are doing is wrong. They are using a third party that gives wrong information and attach it to your account and then tell you to fight them to get it corrected. No I dont have to fight because XXXX, XXXX and Trans union all lied and said that XXXX verified and account which is impossible because my account with them is FROZEN and no one can access it but I. I demand that these items on my account that was not verified be removed from my account because they are in violation of my rights and not to mention, Trans union did not even respond to my investigation request.

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 2021-03-05
Company: EQUIFAX, 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:
The Mortgage lates on my credit report should not be on there. 

I contacted the creditor due to COVID and they told me they would not report this on my credit report due to an agreement and being on unemployment from COVID. 


This makes me very unhappy, as I'm trying to re-finance my house to get a cheaper payment and this is making it very hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: EOS Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got a money order in the amount of {$110.00} for an amount that was stated on my credit report that I owed to this collection agency for an old XXXX XXXX bill. When I called the collection agency to follow up in making sure the payment was received so that the collection amount would show paid on my credit reports I was told that the amount I sent in was deficient by XXXX, therefore it would not be removed until the XXXX was sent in. This was infuriating as I checked my credit report prior to getting the money order and was never notified that the amount owed had increased by XXXX by the collection agency. 
I mailed in the XXXX, however I felt verbally harassed by the collection agency employee taunting me about this XXXX as Im trying to remove this negative information from my credit report so that I can obtain housing. I dont know when or how the total went from {$110.00} to {$110.00}, or what kind of interest is being accrued for the amount to change by XXXX but it felt like harassment. The amount shown had been {$110.00} on the day I mailed the order and that should have been taken into account. As that amount had been on the account all month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
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: Information belongs to someone else

Complaint:
XX/XX/2013 while traveling at the XXXX XXXX XXXX XXXX my luggage and my purse were stolen from the airport. My purse contained my personal information and documents such as my driver license, social security card, bank cards, cell phone, and credit cards inside. The police were contacted at that time. I am now discovering fraudulent accounts on my credit report that were not opened by me.

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 2019-07-08
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: Old information reappears or never goes away

Complaint:
XXXX XXXX, also notated as XXXX was deleted from my TransUnion report. It was reinserted and I was not notified by any parties. The credit bureaus must notify you within 5 days of the re-insert date. If a previously negative item is reinserted, the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. 

XXXX XXXX has failed to report my challenges as " disputed '' to all 3 credit bureaus, including TransUnion, for several months. A fine can be sought for each month and each bureaus for which XXXX XXXX was and is in violation.

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 2022-10-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX is reporting to three credit bureaus Experian, XXXX, and XXXX that I owe them a balance of {$590.00} the car was paid off. XX/XX/2018 ( 4 yrs, 7 mos The account was opened XXXX XXXX  and XXXX XXXX paid the car off. The car was totaled. The car was paid off in full by XXXX XXXX. There saying Im three years late on payments. XXXX took it off my credit report. They refuse to show where the car was paid off by XXXX XXXX. The {$590.00} they say I owe is fraudulent and not accurate. Theyre trying to take money that I dont owe and wrongfully reporting it to the credit bureaus. Ive never made a late payment. The impact this account is having on my credit report is tremendous is a negative way. I need intervention to remove this from 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 2019-07-08
Company: Experian Information Solutions Inc.
State: AE
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 was taking a look at my credit so I can begin to start looking for a home once back in the XXXX and There are some things on there that are not mine. I have reached out to the FTC and reached out to my local police department, and I am doing this on my own behalf. I will be retiring from the military was trying to get things together. Please remove XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, 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 2019-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE
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 was taking a look at my credit so I can begin to start looking for a home once back in the US and There are some things on there that are not mine. I have reached out to the FTC and reached out to my local police department, and I am doing this on my own behalf. I will be retiring from the military was trying to get things together. Please remove XXXX XXXX XXXX. XXXX/XXXX, XXXX XXXX, XXXX, XXXX, XXXX, 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 2018-01-25
Company: U.S. BANCORP
State: TN
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:
US Bank advertises that consumers using their credit card will not be charged for fraudulent charges or accounts. They back this promise up with a guarantee. I was a victim of identity theft and had multiple fraudulent charges on one account and a fraudulent account opened in my name. I tried to work with the US Bank Fraud Operations Department by providing them with an indentirty theft report from the Federal Trade Commission and also a police report. Despite this, the denied the fraud claim and held me liable for thousands of dollars in 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 2018-01-25
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was opened in XXXX XXXX, 2017. I dont have XXXX XXXX XXXX ... .I had XXXX. This was opened by someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08
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:
will state the facts as it appear on my credit report, on XX/XX/2019 a collection account from XXXX XXXX for {$1500.00} was removed from my report per the collector without any change to my score which was at XXXX and on XX/XX/XXXX my score dropped 77 to XXXX for no reason. I believe my score was suppose to go up 77 point to XXXX after the account removal by XXXX XXXX, you can check my score trend to validate my contention

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: John C. Heath, Attorney at Law, PLLC
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 status incorrect

Complaint:
I paid Lexington law firm to repair credit monthly and disputed all with all credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
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 information incorrect

Complaint:
My Equifax report name is incorrect. My correct name is listed under " Other Names Used ''. I downloaded a report on XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Conduent Incorporated
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On or about XX/XX/19, I noticed two transactions I did not authorized in total amount of {$720.00}. I was checking my transaction history on the website and noticed these charges. I immediately called the company. It was very difficult trying to get a live representative on the line. I made my dispute with the card company and told them that i didnt know where the card was at. I do not carry the card with me all the time as it is a child support card that child support is loaded onto. I was driving at the time of the call and wanted to make sure the card was not at my home. I was unsure if I had lost it, or misplaced it. I dont use the card often and didnt want to make a mistake. My main concern was that I just had {$700.00} stolen and charged to my account. I saved that money for my daughter. I am requested that someone look into this situation and maybe come to a resolution. I did not authorized those transactions. I am no longer able to access the website transaction history as well. Hopefully, California XXXX and Mastercard can make this right. 

Sincerely, XXXX XXXX XXXX Cell

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ON XX/XX/2018 i contacted XXXX XXXX ( AFNI, INC ) in regards to a total amount of {XXXX} debt stating I owed to company. I have explained to company this debt is falsely verified and is not mines. Company insisted rudely that i pay this debt. I do not have a contract with XXXX XXXX, and i am not liable for NO debt with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Experian Information Solutions 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:
There are several accounts reporting on my credit file that does not belong to me. I have many attempts to get this matter resolved. 

The following accounts are not mine : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of Education Please remove these accounts from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08
Company: EQUIFAX, 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:
There are several accounts reporting on my credit file that does not belong to me. I have many attempts to get this matter resolved. 

The following accounts are not mine : Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of Education Please remove these accounts from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08
Company: URS Holding, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe around {$10000.00} to XXXX, and am in a debt resolution program with XXXX XXXX XXXX. I provided XXXX the number to XXXX XXXX XXXX, and was told not to have any further contact with XXXX representatives, as XXXX representatives would handle it. As of Friday, XX/XX/XXXX I have been receiving calls from XXXX XXXX, formerly known as XXXX XXXX XXXX. They are a credit collections company used by XXXX. On Friday I received 2 calls, on both XXXX and XXXX I received one call, and today on XXXX I have received three calls. One of these calls was a call to my office asking to speak to me, however I was in a meeting. The man who called was very aggressive to my boss who answered. I checked with a lawyer and learned that repeated calls on the same day and calling my work are illegal practices. Calling my place of work puts my job at risk. As stated before, I have provided the number for XXXX XXXX XXXX, whom they are supposed to be working with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I closed my chase checking account XXXX because my account security was not respected. I set up a personal password which chase had to verify every time I called in. Needless to say many times the password was not asked and I believe my account was accessed by non authorized persons who knew my social and address. Time and time again Chas lied. I have a case open with them and they wont tell me if Im entitled to the findings in writing. The wont answer the question and keep lying. Please investigate. These are questions that i a entitled to pose and they are required to know, yet they simply say they dont know. I have spoken with the executive team and they are negligent and incompetent. I was told last month that all my calls would be listened to, however, they only listed XXXX XXXX. They keep lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX I contacted TransUnion and spoke with US representative, XXXX, to resolve unauthorized inquiries showing on my credit report. I 've recently checked my credit report and noticed many inquiries that were removed during a breach in XX/XX/XXXX and XX/XX/XXXX reinserted. I DID NOT receive a written 5 day notice informing me about the breach or TransUnion reinserting the inquiries. This is a violation of the FCRA. TransUnion can not continue to violate my rights.

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 2021-08-17
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them.

Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via UCC-1 with the Secretary of State. 
This is my last warning before I proceed to bringing legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: Navient Solutions, LLC.
State: HI
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:
Navient is my loan provider, I had them directly take payments out of my XXXX account every month, however sometime in XXXX I guess they had a change in policy that they never made me aware of that they would stop sending me monthly invoices in the mail, and that the only communication from then on would be through email which I never check, so I stopped receiving invoices in the mail and something happened with the billing and I got XXXX notices of my late payment, I found out checking my credit score that went down XXXX XXXX for XXXX of their late payments, I feel this is very unfair, had I not checked my credit report id still be delinquent, I want them two remove the XXXX late payments on my credit report, I explained my situation too them but they were very rude and told me to just deal with it, also the school I attended, XXXX XXXX charged me for a whole term after I took just a few credits and said I couldn't get my money back, it all seems like a big scheme to me.

Company response to consumer: Closed with explanation