BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: Nationwide Recovery Systems, Ltd
State: OH
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 complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Nelnet, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The medical debts are not in timely manner for collection purpose. My insurance is a market place. I have a right to ask financial aids accordingly. Even I am not more than four months being a member of medical inssurance. This is just running to mess my credit score illegally. Any ways I have arranged to be paid by my XXXX XXXX. It should be removed from my account. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: GREAT LAKES
State: ME
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 supposed to pay {$230.00} per month on my federal loans to Great Lakes. I have been paying {$250.00} or more and have the excess go towards the highest interest rate ( XXXX % ). I called at XX/XX/XXXX to pay off the loan. On that date it was {$690.00}. I asked about transferring the excess to the next highest loan ( XXXX % ) and was a told to do that now because the XXXX would have a {$0.00}. So I did. A week later ( I checked my account daily ) I received a message from Great Lakes telling me they deducted the {$230.00} payment 1st ( even though not due till XX/XX/XXXX ) and then the remaining amount on my loan where I wanted the excess to go ... .they put the on the XXXX % because I was told to change as soon as I got off the phone on XX/XX/XXXX. I called XX/XX/XXXX and told them the {$690.00} went on the wrong account. They told me the {$230.00} had to come off 1st ( even though I am paid ahead ) and they would credit the other loan. They did not tell me this on XX/XX/XXXX. More than 48 hours have passed and they still not have corrected the payment. I called them again XX/XX/XXXX and they said there was a request in but it had not gone thru yet. I was told the only way to have the payments done correctly is if they do it on the day the loan is due ... .however ... they do not apply the payments that day so they don't even know what is due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Block, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
" Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Cash App for taking {$50.00} from my account without my knowledge or consent. When I contacted Cash App support to inquire about the transaction, they informed me that it was for a purchase that I had already fully paid for. 

I did not authorize this transaction, nor was I informed that any additional charges would be applied to my account. I have attempted to resolve this issue with Cash App support, but have not received a satisfactory response. 

I am requesting that Cash App refund the full amount of {$50.00} to my account immediately. I am also concerned that this may be a widespread issue affecting other Cash App users, and I urge the CFPB to investigate this matter further. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance : {$940.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
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: Information belongs to someone else

Complaint:
I am requesting Equifax to do a complete due diligence into the telephone security questions provided for XXXX XXXX. The current security questions do not belong to XXXX XXXX. I have reviewed them and even tape recorded the security questions, all of them are false.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I don't recognize this accounts. I never applied for it, I don't have any contracts or agreements with this companies.

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 2023-03-29
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These account was open when I was n the XXXX and I never used or apply for this credit card. The company refuse to accept that it was identity theft.. I file a FTC report they refuse to remove the item XXXX XXXX Account number XXXX .... 
Recent balance {$1500.00} as of XX/XX/XXXX Date opened US BANK Account number XXXX .... 
Recent balance {$2600.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$2500.00} written off. {$2600.00} past due as of 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 non-monetary relief
Consumer complaint received 2019-03-06
Company: Experian Information Solutions 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:
Since XXXX I have been writing Experian asking them to remove a false entry from my credit report and they REFUSE. I was sued in XXXX due to claims I owed money. My rights were violated under FDCPA. I hired an attorney and won my case in US District Court XXXX District of NY in XXXX. Why should Experian be allowed to keep telling the world through my credit report that I still owe the money when a Federal Judge has ruled that I do not owe the money? Reporting false credit information is an FDCPA violation. Experian is violating me under FCRA.

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 2018-05-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft. There are over 20 collections for things I have no clue where they are from. I have contacted the company to dispute it but they are saying they can not remove anything without payment, which I know is not true. 

This really isn't fair, is there anything anyone can 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 2019-03-06
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX case number wfhm loan XXXX tried to follow up with my case person named XXXX XXXX ( I am not sure if this is correct spelling, this is provided to me in a voicemail from last year. ) XXXX XXXX XXXX XXXX XXXX I have messages on my phone from her as my go to contact for all case topics I called her XX/XX/19 XX/XX/19 and again today XX/XX/19 left messages telling her I had 2 more questions and she will never call back spoke to XXXX oper id XXXX  XXXX  XXXX today and he claims she no longer is there and no one is responding to my voice mails I am leaving for follow up so, HOW do I get a representative to ring me back and provide final outstanding answers to the case? 

thank you 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 2023-07-03
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX  SS 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2022-03-18
Company: Opportunity Fund
State: MI
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:
My identity was stolen. Please report accurate information. I have no knowledge of the accounts listed on the files below. It has damaged my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Navient Solutions, LLC.
State: MA
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 have contacted Navient several times, they still have not resolved my PAST dues even thou8gh I have PAID well over the amount due and now they are charging me a fee, and they refuse to RESOLVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Gold Star Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
The loan company that I have a loan with has contacted me numerous times during the day atleast 5 times and left me several voicemails. They need to stop calling me constantly I already told them to send it to collections and to stop calling me constantly but they keep doing it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
Any time I apply for any type of credit card I am always told I have insufficient activity and I am denied So their for I have never been able to get one When looking at purchasing a home with my husband of 25 plus years they said I had no history, but I purchased a vehicle, and to apply with card company that helps to establish credit, I WAS DENIED BY 5 card companies and still havent received any reason as to why

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 2018-05-14
Company: Weinberg Mediation Group LLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was contacted three separate time by the Weinberg Mediation Group about a debt that was to be collected. The first phone call was on XX/XX/XXXX ( XX/XX/XXXX ) and stated that there were documents in their office and that I would need to communicate with them in order for them not to report my non-compliance. I felt like I was in actual legal trouble at this point until I researched this company and found out that they are a shady debt collection company. Then two ( 2 ) weeks later on XX/XX/XXXX ( XX/XX/XXXX ) I received another phone call from the same phone number stating that this would be the final courtesy call and that I should contact them so that they will not report my non-compliance in the issue and stating that they will report the non-compliance to the proper jurisdiction. I again ignored this message. And then again last Wednesday XX/XX/XXXX ( XX/XX/XXXX ) I received the same phone call from the same number stating that, again, this would be my final courtesy call before my non-compliance is reported to the proper jurisdiction. These phone calls are very inconsiderate. Many other people may fall victim to these threats because they are vague enough to imply the that are either going to take civil or criminal action against you. They also never revealed that they are a debt collection company. I have included all 3 voicemails left on my phone with dates and time that the messages were left. I have also included the actual messages that have been left by the Weinberg Mediaton Group with a rough transcript of what all was said in the voicemails. All voicemails were received from the same phone number ( XXXX ) XXXX which also shows up on my phone as a New Mexico phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Rosebud Economic Development Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have received numerous calls from this company, I asked for proof of debt as I have no knowledge of this company, I was told they would send information of the debt via email, that never happened, when contacted again, I asked for this information and was referred to their website. i have no knowledge of this debt or this company, I informed them that I had been a victim of identity theft, case number XXXX. To date, I have not been provided with the documentation.

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 2019-06-04
Company: American Coradius International LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill from American Coradius International LLC for XXXX to an address that I don't live at for a bill that I do not owe or know anything about. The bill is {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted my mortgage servicing company shortly after I received notice from the county assessor 's office that our XXXX real estate taxes have not been paid. I emailed them the information that they requested and waited for about a week before checking back in. There had been notes made on our account as to the problem, that the information needed was received, etc., but no payment had been sent yet. I waited a few more days and again checked back and again, notes made, but no payment had been sent for our real estate taxes. I emailed them again and demanded that they pay our taxes and I did not get a response this time at all. 

Our real estate taxes are around {$7400.00} per year. Their failure to pay our taxes by the due date of XX/XX/XXXX has now created a tax consequence where we have missed out on a tax deduction and consequently could owe more tax than we should have if our taxes had been paid. 

Please advise us as to what recourse we have and how to get our taxes paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: DISCOVER BANK
State: MA
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 contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter dated XX/XX/2020 in regards to a debt that was already removed from my credit report. When I tried calling the number provided, I was directed to a scam phone service using the number XXXX. The debt was originally from XXXX XXXX and it has already been removed from my credit report. I refuse to pay credence excellence beyond belief as they have me a wrong amount due ( it should be {$0.00} ) and a fake number to reach them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 XXXX/XXXX, XXXX, XXXX XXXX did a hard inquiry on my credit even though I don't know them and I am not applying for any credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation