BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-18
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
consumer : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX : XXXX [ ARIZONA BANKRUPTSY COURT- XXXX XXXX ] Debt Collectors : 1. Navient-XXXX XXXX  XXXX, XXXX XXXX, Pa XXXX 2. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, Pa XXXX 3. Pioneer Credit Recovery Inc, XXXX XXXX XXXX, XXXX, NY XXXX These 3 companies continue to contact me to pay a dept that was discharged in Bankrupsy Court filed on XXXX. XXXX XXXX the court trustee specifically told me to stop paying on the student loan debt which was listed as a XXXX XXXX debt. Both Navient and XXXX added their names to the Bankrupsy filing, and at the time did not identify themselves as collectors for XXXX XXXX, infact, I am not sure who they represent as I never made any student loan payments to either company directly. 

I wrote a letter months ago asking them to verify this debt and show that XXXX XXXX had authorized them to pursue this debt. They sent me back a doctored up agreement without reflecting any dates and showing that my last payment on this debt was XXXX of XXXX. Then they jammed my credit report with the fictious amount of approx. 6k. 

1. It is against the law to report - reflect an old past due debt as new - if infact the debt was sold, but how could wells fargo sell a debt charged off in bankruptsy? 
2. Since this company has removed all dates from the one piece of paper they did send me, it is my contention that it has well been six years since this debt existed. 
3. It is against the law for a debt collector to try and get money from a debt discharged in Bankruptsy under federal law section 524 title II. 
4. This amount of XXXX is inflated from the original balance due to XXXX XXXX over six years ago 5. As a senior XXXX years old, I am on a fixed income of social security and a pension and would not have the ability to make any amount of payment, which was the whole reason to go through the humiliating act of filing bankruptsy At present I feel if you cant help me get these persistent fraudulent creditors off my agenda, I still have hope of contacting the AZ Bankruptsy Court XXXX XXXX and asking for his advice.

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 2019-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a single father and I attempted to finance a home for me and my family and I could not because of my credit. That inspired me to check my credit report and I saw a fraudulent item i did not authorize. 

Account # : XXXX XXXX XXXX XXXX XXXX-XXXX Credit Amount : {$330.00}

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 2017-11-14
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax dont want dispute UNAUTHORIZED inquiries on my credit report. keep telling me, I have to call banks and ask them to send Electronic notification to remove those inquiries ... its been a week now, I called banks but they unable to find anything in their system under my full name or ssn. So they cant send anything to equifax ... called back equifax again, explaining what banks told me, but they keep telling again same story ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I try to open a account with a Wells Fargo They said they will send a letter in 10 days letter came in no reason

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 2019-10-18
Company: ORG GC GP Buyer, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Told this company that the account was not mine. They did not respond to my letter. Earlier this year my identity was compromised. This is not my account or debt - it's a XXXX XXXX. Mind you, I currently have XXXX in my name. That is not my account. Furthermore, my letter consisted of me requesting my wet signature on a contract with XXXX XXXX according to the FCRA 609. They did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: Credit Management Services, Inc.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recieved notification from a bankruptcy/fair debt collection agency ( consumer protection ) that I was being sued in civil court. I have not recieved ANY notification of any debt that I had. I also haven't recieved a phone call of said debt ( I still have no idea the dollar amount or the nature of the collection ). I recieved a certified letter on a Saturday ( that I was not present for and my husband with the same last name was not allowed to sign for ). The only thing on the certified notification was the name of the debt collector ( credit management services out of XXXX XXXX, NE ) which was the same name was on the letter as the stated above letter from the fair debt collection consumer protection law firm. This debt has not showed up on my XXXX report or XXXX report. Whatever the debt is I would ( a ) like a certified letter explaining the debt ( b ) if it is a debt I owe like to settle it out of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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 2021-03-10
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I received a response back to my prior complaint to First National Bank of Omaha and XXXX XXXX from the office of the President at the company has clearly stated that they are not following their own policies set in place. 

1. XXXX stated the available amount for a balance transfer is {$5300.00} and I was approved for more, which means they never established the type of account I requested. They opened a regular credit account, which is not what was requested. 

2. She states they are subject to their approval. I should not have been approved on an application that was missing information. This is fraudulent account creation when all application information is not complete. 

3. She stated, " If you ask for a balance transfer and we do not approve the full amount, we may either pay only part of the amount you asked for or decline your request. '' They did neither, so again, this is a fraudulent account and should not have been created. 

I would like to know when they will be correcting my credit report for the fraudulent account that they created in my name on a partially completed balance transfer form that their agents should have declined or reached back and requested more information. 

Thank you.

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 2017-12-29
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: Personal information incorrect

Complaint:
I filed a complint against XXXX XXXX XXXX for some late reports on my credit, acct XXXX, they did resolve that with the exception of one from XX/XX/2015. I have tried disputing and contacting company but unable to obtain verification as proof the payment during that time was late and the credit bureau almost immediately reports information accurate. My other issue, upon XXXX XXXX XXXX correcting the other late charges they provided the credit bureau with addresses that I have never resided without my knowledge, consent or confirmation. I inquired with the credit bureau Trans Union how they allow for someone or any company to report unverified information on a person and they reflect it on the account. The response from the Rep. is they only document what is provided to them and they do not verify or request any verification of information reported. This act from XXXX  XXXX XXXX and Trans Union/Credit Bureaus was fraudulent, inaccurate and deceptive, specifically for others reviewing my report for credit. To report inaccurate, unverified information should not be allowed and there should be compensation. I contacted the Transunion and the information was filed, but it is unacceptable for an Credit Bureau to report any information given to them that has not been verified or even documented by the person being reported on. This is an unfair practice and intentional malice to lower or ruin someones 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
Consumer complaint received 2017-11-14
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, XXXX, a customer of ours transferred {$910.00} to our Paypal account. The same day, XXXX charged {$27.00} for this transaction. Also on the same day, I requested that the money is transferred to our XXXX checking account. Paypal would only transfer {$500.00}. Since then, we are trying to transfer the remaining {$410.00}. XXXX is coming up with excuses. SSN needs to be entered in profile, technical issue etc. None of them has fixed the problem and I still can not transfer the money as of XXXX XXXX, XXXX. As if Paypal was trying to keep it for themselves. They should be punished and forced to reimburse the high fees that they charged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX, Fri., XXXX XXXX. C.S.T. 

I am resorting to this format in order to let CFPB know of my ongoing problems with the Ocwen and PHH mortgage companies. It is my understanding that Ocwen is the parent company, and PHH is a subsidiary of Ocwen. I would have used your feedback feature but was unable access it online. 

On XX/XX/2019, I emailed Ocwen that I could no longer afford to make mortgage payments on my cabin in XXXX, Michigan. The Ocwen relationship manager chatted with me by phone and recommended I enter into a deed-in-lieu-of-foreclosure process. His description of how that property surrender would work sounded good to me, and I agreed to doing the DIL. The relationship manager told me to make no more payments and send no more bank statements. In XX/XX/XXXX, I was contacted by an Ocwen rep who told me my cabin would be given an " external evaluation '' ( a walkaround ) in a week or so, after which the DIL process could be completed. However, shortly after, I began receiving mortgage payment requests ( going back to XX/XX/XXXX ) and was told that PHH was my new mortgage company, my mortgage had a new, PHH-assigned number, and a PHH relationship manager had been assigned to my account. I wrote to that man and explained that I had entered into a DIL process with Ocwen, and also asked him if he had any paperwork from Ocwen on that matter. He did not answer back. So, I wrote to PHH 's Escalation Group, which also did not trigger a response. I additionally wrote to the PHH Office of the Ombudsman, and got no response there, either. It certainly appears to me that Ocwen now has no intention of pursuing the DIL process with me, and I have formed a very negative opinion of both Ocwen and PHH. I would greatly appreciate hearing from someone at CFPB about this whole matter. Thanks, folks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Retail Merchants Associates
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
after checking my report I found this Inaccurate information.XXXX XXXX for the amount of {$220.00} dated XX/XX/XXXX XXXX Also, Credit Bureau Dated on XX/XX/XXXX for {$5100.00} another from XXXX XXXX Hospital for {$77.00} all of those are inaccurate because I have had XXXX and XXXX XXXX XXXX please remove these Incarcerate filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: NCSPLUS INCORPORATED
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Sometime during the early to middle part of XX/XX/XXXX, I  spoke with XXXX, a manager at the XXXX XXXX XXXX, XXXX ( XXXX ) in XXXX Maryland. I was requesting to speak with the XXXX XXXX XXXX, the owner of the practice who treated me during most of XX/XX/XXXX. I was going to request XXXX XXXX if he could wave the remaining balance because my XXXX had left me unable to pay. XXXX wouldnt let me speak with XXXX XXXX telling me that XXXX XXXX will say no, but she said I could pay any amount when I can. I guess because of my insistence, XXXX suddenly cut off our phone conversation saying .Ok XXXX , Im sending you to collections. 

Then after, I managed to sort out my personal budget and on XX/XX/XXXX, I made a payment of {$35.00} towards my balance. However, I was surprised to receive a new statement with a balance of {$180.00}. When I called XXXX, I was told that a {$50.00} collection fee was added to my balance. On or about middle of XX/XX/XXXX, I did get a letter dated XX/XX/XXXX from NCS Plus Incorporated ( NCS ) but with an amount due of {$220.00}. I dont understand where this amount was based on. 

Aware that I already made a payment of {$35.00} which was accepted by XXXX, I thought nothing more of the letter. Shortly thereafter, I also received a few voice mail messages from NCS but for the same reason, I also thought there was no need for me to call back. On or about the first week of XX/XX/XXXX, I received a 2nd letter dated XX/XX/XXXX from NCS with an amount due of {$220.00}. I had just made a payment of {$10.00} on XX/XX/XXXX to XXXX, so again I didnt think any more of the letter. 
I made my 3rd payment of {$10.00} to XXXX on XX/XX/XXXX and I made sure to tell XXXX of NCSs 2 collection letters and phone messages. She assured me she will let NCS know that Im making payments toward the balance. Today, XX/XX/XXXX, I received a 3rd letter dated XX/XX/XXXX with the same amount due of {$220.00}. 

NCS is in direct violation of the Fair Debt Collection Practices Act XXXX because they are misrepresenting the amount of the debt it is attempting to collect. The amount due of {$220.00} was wrong from the start and it is absolutely wrong today! It is irresponsible for NCS to continue sending me collection letters without knowing the actual state of my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX  ACCOUNT XXXX IS REPORTING THREE TIMES ON EXPERIAN, TWICE AS IN GOOD STANDING AND ONCE AS A CHARGE OFF {$4000.00}, THIS IS ONLY REPORTING ON EXPERIAN THIS WAY INCORRECTLY NONE OF THE OTHER BUREAUS I NEED THE CHARGE OFF DELETED SINCE THIS IS BEING REPORTED INCORRECT THIS IS AFFECTING MY SCORE AND NEEDS TO BE CORRECTED 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 explanation
Consumer complaint received 2017-11-12
Company: Experian Information Solutions Inc.
State: AZ
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:
I have several credit inquiries that I did not authorize and have contacted Experian and they would not help me. I have also contacted these companies and would n't help me either XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX MO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX or XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX XXXX XX/XX/XXXX Last 4 of social XXXX. Wo n't work on next page

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 2019-04-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX {$230.00} this is not mines, XXXX # XXXX {$1000.00} never heard of this account, XXXX # XXXX this not mines {$2500.00}, XXXX XXXX XXXX # XXXX {$320.00} this not my acoount, XXXX XXXX # XXXX at XXXX XXXX XXXX not my account, XXXX XXXX XXXX # XXXX {$410.00} not my account, XXXX # XXXX XXXX XXXX {$210.00} not my account, XXXX XXXX XXXX # XXXX XXXX not my aaccount .Someone stole my identity and used my name

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
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:
XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$10000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was defective. Shortly after purchase the transmission blew out. I returned the vehicle where it was purchased and it has since been sold at auction and sold for more than the debt owed. This account needs to report a {$0.00} balance. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-06-16
Company: Commonwealth Financial Systems, Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was notified by two credit bureaus today of an alleged debt by Commonwealth Financial in the amount of {$1400.00}. I don't know who these people are or have any communication indicating what this alleged debt is about. It's pretty clear this is yet another fly by night " collection '' agency harassing an innocent citizen. 

do not release my contact information to this company. they obviously don't have it.

Company response to consumer: Closed with explanation