BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-03
Company: Perfection Collection
State: TX
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 disputed information on my credit report with XXXX and XXXX XXXX XXXX beginning in XX/XX/2020. This company has failed numerous times to provide the documents required by law to validate the alleged debt in question. They have not provided any signed documents. 

XXXX XXXX XXXXPerfection Collection has flat out refused to provide proper documentation and they are reporting the debt to different bureaus under different company names. 
XXXX and XXXX has continued to state that the accounts have been verified even though I have sent notice and supporting documentation that they gave NOT be properly validated per the FCRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail with UNITED STATES POSTAL SERVICES. It is now XX/XX/18 and I've yet to hear back from EQUIFAX. The FCRA gives the company 30 days to respond, I have not gotten a response. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. This account XXXX/XXXX in the amount of {$330.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. This such debt has never been verified I have not received anything in the mail EQUIFAX is not responding to my correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
Hello, I have Money Network debit card, this card is where I get direct deposit from work, the day I received my direct deposit I got 2 notifications via email this was from Money Network, so I open the email 2 transactions for {$XXXX} each made in XXXX ATM in XXXX, CA, at thT point I was working in XXXX XXXX, CA I called right away to Money Network they canceled my card and send me a new card, they said that a dispute was filed so I was waiting to get my money back, in the end of the day Money Network sent me a dispute letter where saying that they denied my claim and my file was closed, so I didn't get my money back and there was no investigation from their side, what can I do now? {$600.00} total! I need my money back, so sad I have bills to pay, I need the money, my money that is not fair, bad company Money Network just trash company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Bronstein & Weiss Arbitration
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX consistently calling repeatedly threatening me at my home and My Job. Attempting to collecting a debt with no specific info but he specifically says hes going file detained order to lock me up and freeze my bank account. He is ruthless aggressively threatening and extremely intimidating me daily calling at least 8 times a day!!!!!! Harassment at my Job and Harrasing my Husband!

Company response to consumer: Untimely response
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: IL
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:
DEPT OF ED/XXXX Is showing up as late payments when they should in fact be up to date. Additionally, the payment dates on the loans are incorrect, and show different balances as well as dates. If the information was reported from the same company. All information Pertaining to the loans should reflect all the same information. Due to inadequate information Im asking that these items be permanently deleted from all three credit reports.

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 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
DEPT OF ED/XXXX  Is showing up as late payments when they should in fact be up to date. Additionally, the payment dates on the loans are incorrect, and show different balances as well as dates. If the information was reported from the same company. All information Pertaining to the loans should reflect all the same information. Due to inadequate information Im asking that these items be permanently deleted from all three credit reports.

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 2023-01-19
Company: FirstPoint Collection Resources
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reason to believe that XXXX and YES FIRST POINT COLLECTION RESOLUTIONS have violated my rights as a consumer and incorrect information as far as addresses

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing today in regards to my account with XXXX account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
over a year ago i paid a debt from XXXX XXXX, the debt was taken off my report after 3 months the debt was put back on my report on XXXX, experian. i sent a validation letter and a cease and diesis to the address reported on my report. i never recieved an answer back to see the address reported is not an accurate address for my letters to be returned to me. i have no way to get in contact with XXXX XXXX, so i called and was told the information will be taken off and it is still reporting i need this blocked n deleted as soonas possible.

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 2018-03-09
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-04-30
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Greetings, PayPal froze my account with {$1700.00} For no reason. I can not withdraw funds to bank. 

My account Id. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have sent a letter to Equifax requesting that personal information be removed. They have failed to do so. 

I have also written Equifax to dispute unverified and information that has NOT been properly validated, but continues to be reported on my Equifax Credit Report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 while I attended a play, money was withdrawn from my checking account by an unknown person without my knowledge or consent. I was alerted that it was happening when I tried to use my debit card to purchase tea after the play and my card was declined. I checked my account through the banking app and saw withdrawls of around {$800.00}, {$1100.00}, and {$900.00}. I immediately looked up the nearest bank location and physically ran to see a banker and stop what was happening. While I was explaining what happened to the banker, another withdrawl was made from that account at the teller window XXXX the money from that transaction has been returned to me ). I was later told by another banker that my debit card had been duplicated to make the ATM withdrawals, and that because the person used my pin number, the bank was declining to return the money stolen in those transations, and that I they were " ending the relationship '' with me as their client.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
While attending XXXX University, I petitioned for a XXXX XXXX XXXX. XXXX " forgot '' (!! ) to file the loan request and instead offered an institutional loan for the same amount and under the same terms as a Perkins Loan. 

I graduated in XXXX and began XXXX school for a XXXX XXXX in XXXX XXXX immediately. For the past five years, all of my loans have been in deferment while in school and in grace during the summer. 

This year, my institutional loan, handled by UAS since XX/XX/XXXX did *not* put my loan in grace for the summer of XXXX ( despite having correctly done so in summer XXXX. I requested a copy of my MPN which also states that following an in school deferment which this loan was in through XXXX of XXXX, the loan has a grace period of six months. 

Instead of putting it in grace, I was charged starting XX/XX/XXXX with little information about the change. This account is now considered not in good standing and it is affecting my credit score by 100 point. Meanwhile, I have contacted the company multiple times for weeks. I have forwarded them past grace notices about this loan. 

They say they have forwarded this information to an " account specialist '' several weeks ago. They will not allow me to speak to this account specialist. The account specialist has not contacted me ever. I can not contact anyone about this but the same customer service line which can not or will not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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:
I contacted Portfolio Recovery Associates, LLC to validate a mark on my credit profile that I did not have any clue about. Portfolio sends me a letter with and old bill from a XXXX XXXX account from 2013. I called the dispute department and explained that this account was settle with XXXX XXXX and asked if they could delete this from my credit. 
I was told that they did not have any record of me paying XXXX XXXX and I am responsible for a {$510.00} debt. Portfolio did offer to settle the debt for a smaller rate. I agreed to settle if the company would delete this from my credit profile. 
According to the representative this was going to happen. I did my part, but the company did not honor their portion. 
I already feel that I am paying for a debt that I took care of 5 years earlier. Now I feel that I just was robbed by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Direct Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company uses an automated dialing system with recorded messages. The message does not identify who is calling or the nature of the call but states the message is for someone I don't know and further states to hang-up if you are not that person which I did the first time they called. This did not remove me from their system as they called back several times. I called the number back to in an effort to have my number removed however the person who answered hung-up on me when asked for their business address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX Inquiry from XX/XX/XXXX 2020 XXXX XXXXXXXX  Inquiry from XX/XX/XXXX, 2020 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2020 XXXX XXXX XXXX Inquiry from XXXX XXXX 2020 XXXX Inquiry from XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed this account repeatedly and it was removed from my credit. This month it is back, with the same company. This is a violation of the FDCPA and FCRA. They removed the inaccurate item from my credit, only to reinsert it 1 month later! This has caused damage to my character, my credit, and my self esteem, please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an Amazon credit card thru Chase bank and when I log onto their website and try to make a payment I can see my list of payment sources and different amounts to pay on the card but the system does n't allow me to make a selection of either. it clearly is n't working and when I called to speak with an agent he told me the reason I ca n't make a payment is because I have not verified something about my account that was sent by email. That 's total non-sense. The website is non-functioning, Period

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an offer letter from Wells Fargo to receive a bonus under the following terms : 1. Meet with a premier banker by XX/XX/2019 to earn a {$200.00} bonus 2. Enroll in portfolio premier by opening a new portfolio checking account or converting an existing Wells Fargo consumer checking account by XX/XX/2019 3. For an additional {$1500.00} bonus open a 3-month CD by XX/XX/2019 with {$150000.00} or more in new money 4. Have {$250000.00} in qualifying relationship balances at the end of the month in which your CD matures 5. Any earned bonus will be deposited into your checking account within 45 days after the requirements are met 6. Offer XXXX I met with a premier banker and converted my checking account on XX/XX/2019. 

On XX/XX/2019 I met with the premier banker and opened a 3-month CD with the {$150000.00} of new money wired into Wells Fargo. 

XXXX XXXX Wells Fargo Bank, N.A., Nebraska ( Member FDIC ) Original value {$150000.00} Current value {$150000.00} Original issue dateXX/XX/19 Current issue date XX/XX/19 Maturity date XX/XX/19 Term 3 months On XX/XX/2019 - the end of the month in which my CD matured - I had a qualifying balance of {$400000.00}. 

I met all of the requirements and it has been 60 days and I have not received the {$1500.00} bonus.

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 2018-10-05
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: Old information reappears or never goes away

Complaint:
I have had a debt that is not accurate put back on my account three times -- after three investigations proved it wasnt valid. Transunion refuses to remove it -- in spite of having three times taken it off previously -- just because whoever bought the incorrect account before sells it on and they are not concerned with the simole task of looking at their own records. According to Transunion -- they says this is my fault somehow. 

There was a miscommunication with XXXX but it was cleared up. That did not stop XXXX from putting on my report on XX/XX/17 -- but it was removed. 

XXXX tried the same thing in XXXX -- it was removed because it isn't my debt. 

Now XXXX has put it back on. Transunion claims it meets the FCRA standards -- but they have removed it multiple times and say its not their responsibility because it is a " different creditor '' It's a different fraud -- not a different creditor. For two years my vredit has been docked as a result of their negligence. They know this is not valid but I had to contest it again and they refused to remove it from my account until it was cleared up -- a 4th time.

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 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/XXXX, TransUnion received a notice from me delivered via certified mail in which I informed that a fraudulent account and fraudulent charges were included on my report without my consent or authorization. As of today they have failed to remove this fraudulent account from my credit report. This is a violation under the FCRA. 

Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character. 

Account is the following : XXXX XXXX # XXXX. Date Opened 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 2020-05-22
Company: Experian Information Solutions Inc.
State: KY
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 informed by my lender that I was not approved for a home equity loan due to some derogatory itmes listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Pleae remove the items as soon as possible. XXXX XXXX {$130000.00} XXXX  XXXX XXXX XXXX  XXXX {$12000.00} XXXX   XXXX XXXX AR XXXX {$530.00} XXXX XXXX {$2300.00} DEPTEDXXXX XXXX {$7700.00} XXXX XXXX XXXX {$10000.00} DEPTEDXXXX   XXXX {$4200.00} XXXX  XXXX {$250.00} XXXX  XXXX {$550.00} XXXX BANKS XXXX {$2600.00} DEPTEDXXXX XXXX {$4000.00} XXXX XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX XXXX {$170.00} XXXX  XXXX {$1000.00} XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$800.00} DPTEDXXXX   XXXX {$4200.00} XXXX XXXX {$4000.00}

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 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 informed by my lender that I was not approved for a home equity loan due to some derogatory itmes listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Pleae remove the items as soon as possible. XXXX XXXX {$130000.00} XXXX XXXX XXXX XXXX  XXXX {$12000.00} XXXX   XXXX XXXX XXXX  XXXX {$530.00} XXXX  XXXX {$2300.00} DEPTEDXXXXXXXX XXXX {$7700.00} XXXX XXXX XXXX {$10000.00} DEPTEDXXXX   XXXX {$4200.00} XXXX XXXX {$250.00} XXXX  XXXX {$550.00} XXXX XXXX  XXXX {$2600.00} DEPTEDXXXX  XXXX {$4000.00} XXXX XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX XXXX {$170.00} XXXX  XXXX {$1000.00} XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX {$800.00} DPTEDXXXX   XXXX {$4200.00} XXXX XXXX {$4000.00}

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 2019-03-28
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have provided Nelnet with a certified XXXX letter asking them to provide the master promissory note to substantiate the debt. No response from debt collector. I feel as if my rights under the FCRA has been violated. Since this debt has not been verified as accurate, I demand that the accounts be removed from credit report. My next course of action will have to be litigation.

Company response to consumer: Closed with explanation