BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-22
Company: ACS Education Services
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested verification of a loan reflected on my credit report by ACS. The dispute results come back verified, but the letter sent from ACS states " We have received the material requesting to validate your debt. Unfortunately, Conduent Education Services does not service the education loan you referenced in your dispute. Therefore, we are unable to assist with this request. Please contact your current education loan servicer, XXXX, with the information provided ''. 

If they are unable to provide verification to me, how are they still able to report the account to the consumer reporting agency under the name and account number listed on the report and not provide verification. I have contacted XXXX and they advised me to contact ACS/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Capio Partners, LLC
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
these 3 company is violating the fair credit reporting act by listing a fraudulent account on my report that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Every time I deposit my payroll check they put a hold on my funds. Last time the put a hold of 4 days on a payroll check that I deposit twice a month the same amount. I stopped depositing the check and had to go to the other bank to cash my check with a teller and then deposit the cash in my bank. This week J tried it again and after putting the funds available I noticed they put a partial hold after the had already cleared all the funds..

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 2019-09-09
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Discover card keeps calling my parents phone number and harassing my elderly parents all hours of the morning and day. I have told them several times to stop, but the harassment keeps up and it is causing my parents severe XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery calls and have called every day for yearrs. They call from multiple numbers in 30-40 minute increments throughout the day. They never leave a message. I have asked in writing  several years ago to provide me with a copy of the stated application to ascertain if the signature is authentic. Ive been the victim of identity theft and have found serious errors on my credit report, most notably a spouse ... I have never been married. 
Below is a snippet of numbers and call received in a 4 day period : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent XXXX dollars to my friend in XXXX that I send money to often to have things done to and for my home in XXXX. When he went to get the money, with his I.D . and the ref. number and was given the run around at every place that he went to get the money from MoneyGram. Then at the last place that he went they wanted me to call a XXXX speaking MoneyGram number in XXXX. I called the number on my receipt and when I complained 2 different people started asking questions that were none of there business like do you know this person, why am I sending him money and what am I sending the money for and I told them he was taking care of things being done at my home. They continued invading my privacy to the point I told them it was none of there business and issued a refund. This company should not be allowed to have a business if they don't intend to do the service anyway. I really hope the government doesn't own this to get involved in peoples business. I really would like some kind of action against them and I would like a reply from you. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
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:
Hello on XXXX i sent out letters to each credit bureau to remove accounts and addresses that was listed on my report and they have failed to reply in 30 days

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 2018-08-07
Company: Experian Information Solutions Inc.
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:
Six months after i earned an student loan in XX/XX/XXXX my identity was stolen due to an mistake by a Texas dmv worker, these loans from the XXXX XXXX XXXX are incomplete are in accurate. I was an XXXX XXXX  who's XXXX career & education was ruined once i moved to the state of Nevada in XX/XX/XXXX. I moved to XXXX in XXXX Before XXXX my whole life was stolen.

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 2018-08-07
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter stating that my payment to XXXX XXXX XXXX XXXX account in the amount of {$560.00} was returned to my bank on XX/XX/18. I never forward a payment Because I never was aware of this account.

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 2020-11-13
Company: EQUIFAX, 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 have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
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: Was not notified of investigation status or results

Complaint:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Six months after i earned an student loan inXX/XX/XXXX my identity was stolen due to an mistake by a Texas dmv worker, these loans from the dept of education are incomplete are in accurate. I was an XXXX XXXX who's XXXX  career & education was ruined once i moved to the state of Nevada in XX/XX/XXXX. I moved to XXXX in XX/XX/XXXX. Before XX/XX/XXXX my whole life was stolen.

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 2020-06-29
Company: TD BANK US HOLDING COMPANY
State: OH
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:
TD Bank offered me a {$1400.00} offer to settle my account & it will be considered " PAID IN FULL ''. This is also a balance I took care of even though the card was opened without my knowing and they Rep said I was still liable & I sent adequate infromation on no way possibly being able to open a cosumer credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07
Company: JPMORGAN CHASE & CO.
State: IN
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:
Two JPM Chase Private Student Loans remaining on my credit report should be removed immediately. According to my credit report they were opened in XX/XX/XXXX. They were reported delinquent in XX/XX/XXXX. I know they are due off by law in less than 1 year but my family needs my credit restored now.

I disputed the legitimacy of the accounts with XXXX  on XX/XX/XXXX and XX/XX/XXXX. The dispute results are wrong. The dates reported are wrong as well as the payment history. It is my contention that it should have been reported delinquent immediately therefore my XXXX   years have passed. The first 3 months are marked OK as if I made a payment. I never made any payments or agreed to any type of forbearance. Furthermore I can not get ANY information about the accounts from Chase, XXXX, US Dept of Ed, XXXX, XXXX or any other place Ive been directed. Ive spent multiple days on the phone, sending certified letters, etc.

XXXX  mails its dispute results. On Report # XXXX dated for XX/XX/XXXX the phone number XXXX is listed as a number for JPM Chase. XXXX XXXX XXXX   in XXXX, OH is also listed. My certified letter to the XXXX XXXX received no response. All of my contact information including address, phone number and email were listed. I called the XXXX number listed, a sister company representative used my social security number to find my accountNO DATA WAS FOUND.

The link dedicated to student loans on Chases official website says all private loans were sold to XXXX Chase no longer deals in student loans. Again, my loans are now 10 YEARS OLD. Chases customer service literally had nowhere to send my call. This can all be verified easily by visiting the website.

I tried XXXX. They had no record of those two private loans. They directed me to the US DEPT OF EDUCATION. Hold time + phone time was over two hours. The US Dept of Ed has absolutely no record of these loans.

I want them both removed from my credit report immediately. No one can verify the information. No one can give me information. Each party directs me to the other parties. Its a cruel situation. Im a now XXXX  year old married father of XXXX, in career year 8. Im stable now and credit is really holding us back. They give you all the credit you want as an 18-year-old kid with no income and let you hang yourself. I want to be free from these loans that are older than my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
funds was always taking days later or weeks later causing overdraft fees.

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 2018-08-07
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I talk to the collection company about a month ago and told them I file chapter XXXX bankruptcy and it was discharged on XX/XX/2018.  But they keep harassing me. My law also contact the collect company but they still continue to harass me and threaten me. The original company is check-n-go but it's in collection I don't know the name of the collection company. Here is their telephone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield and Associates are attempting to collect a debt from me claiming that I owe {$290.00} to The XXXXXXXX XXXX XXXXXXXX XXXX. I don't owe anything to that medical facility as I've never been a patient there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have been experiencing a nightmare with my vehicle loan with XXXX. There was {$4600.00} added on my loan due to mandatory insurance although I have shown proof of insurance. My vehicle have been in storage for over a year there is no reason for me to have full coverage on my car. Due to this XXXX being added on my account my monthly payment has skyrocketed. I have late credit reportings on my credit report which is truly making this even more of a nightmare.I have sent in documents by fax which they have told me they have never received although I have a confirmation page that it was sent. I fell sick with XXXX and was hospitalized and fell behind on my payments due to the increased amounts needed, and have been getting terrible customer service. They told me to send in a hardship application with proof that I was in the hospital which I have done and now have been experiencing bad customer service from the delinquency department. Manager XXXX XXXX and one of his reps spoke to me in a very condescending tone, spoke over me, was not helpful on XX/XX/22. I just want to get this situation resolved so I can pay the correct amount and become current on my loan without the bad customer service.

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 2018-08-07
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There are items still showing up on my credit file that has been removed over 18 years ago. XXXX XXXX  credit card company just sent me a denied notice for a credit card and everything that is stated as a reason not to approve me for credit card is wrong and illegal. They stated that they have a charge-off, bankruptcy, severe delinquency, negative performance and that no credit bureau report was not used in making this determination. also, Citi Bank has done the same thing. What can be done about this wrong doing by these companies. These types of denials show not be use against me by Federal Laws under the fair credit reporting service.

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 2019-02-27
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: Investigation took more than 30 days

Complaint:
I purchased a vehicle from XXXX, the vehicle was repossessed they said they sent a delinquency letter to me within 10 days which in s the law in Georgia. They did not send a letter I submitted it to the credit bureaus they have not fully investigated the problem. There is no bill of sale where they say they sold the vehicle for {$1500.00}. They sold my account to a collection agency without my knowledge. I have a $ XXXX debt with XXXX and they can't provide me with a copy of a bill of sale that I have requested to show proof that the car was sold for the amount they are telling me it was sold for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
My problem is about XXXX  gift card with XXXX dollars stored in which is a " gift ''. I lost it and called the company to request a replacement card. 
I called them on XX/XX/XXXX at XXXX XXXX  to request a replacement card. The customer service representative got my personel information, did security check and told me that my card will be sent in 5-10 business days. 
So I waited for three weeks and called them again and this time the customer service representative recommended me to wait a little bit longer. 
After waiting ten days I called again and this time the customer service representative told me that there is no record about my replacement request and told she will be creating it. She wanted activation receipt and address proof. 
And I sent the activation receipt and address proof with an e-mail and nobady answered it. 
Then I called again and another customer representative told me that they didn't get the e-mail. 
So I sent it again ( the same e-mail to the same e-mail address ) Then I got an answer that they also need the purchase receipt even though I have the activation receipt. 
So I reached my friend which has XXXX kids and have no time and asked her to find the receipt for me with shame. She couldn't find it. 
I know that keeping the activation receipts is important for such problems so I kept it and provided it to company but they still don't answer my e-mails and not replacing my card. It has been 4 months since I lost the card. 
I think they are trying to make me get tired of requesting replacement card. So it is kind of a fraud activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: CONTRACT CALLERS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/XXXX, I ( XXXX XXXX ) contacted, Contract Callers, Inc, Ref ; XXXX regarding an account appearing on all 3 credit reports that does not below to me. The original creditor XXXX XXXX XXXX XXXX XXXX XXXX company account # XXXX, was opened by someone using my information, while I was incarcerated. They said this information will be removed. 

On XX/XX/XXXX, I check my reports again only to find that this information from Contract Callers, Inc., is still appearing on my credit reports so I call again today, XX/XX/XXXX and was told this account is closed and was sent to the credit bureaus in XX/XX/XXXX. I do not believe this because, once this information is updated I receive emails from the bureaus and never received any information regarding this alleged update or removal of inaccurate information. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
We worked with a debt settlement company to resolve credit card debt with XXXX or XXXX credit card companies. We tried to work with the card companies directly but they refused. There was never any late payments before we turned the accounts over to the settlement company beginning in XXXX. We completed the payments by XXXX. The card companies sent XXXX forms for our income taxes and we paid over {$5000.00} dollars in federal taxes to settle these accounts. The balances however remain on our credit reports. We would like these balances removed as they are no longer part of our debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
At present I have 16 student loan accounts reporting on my credit report. All 16 accounts are reporting late for months XXXX through XX/XX/2017 however this information is inaccurate. I graduated my XXXX program in XX/XX/2017 and my loans should have remained in deferment for 6 months following my graduation and then enter into repayment status. Instead, it appears my graduation date was calculated incorrectly or I did not recieve my 6 month grace period as I should have.

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