BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RC is claiming that I owe them {$1800.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Financial Management Solutions, LLC
State: MD
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 told this was a debt from a previous rental agency but the rental agency has no record of me owing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
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:
I SENT A DISPUTE TO XXXX, XXXX, AND EXPERIAN TO DISCLOSE THEIR METHOD OF VERIFICATION. IT CAME BACK VERIFIED BY XXXX XXXX. I CONTACTED XXXX XXXX DIRECTLY AND THEY SAID THE INFORMATION WAS verified BY THE COURTHOUSE. I CONTACTED THE COURT DIRECTLY AND THEY SAID THEY DO NOT REPORT ANY INFORMATION TO THE CREDIT BUREAUS. WITH THAT BEING SAID THIS INFORMATION IS unverifiable AND NEEDS TO BE DELETED 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 2021-10-21
Company: ECMC GROUP, 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:
PLEASE REMOVE 1. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

2. Identity Theft U S DEPT OF ED/XXXX Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: WELLS FARGO & COMPANY
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021, We wired money from XXXX  XXXX XXXX to Wells Fargo to XXXX XXXX XXXX XXXX in the amount of {$9800.00}. 
She was supposed to build a small container home for us that was never done. Now she is avoiding contact. I called Wells Fargo to flag her account so other people would not be scammed and they said they could not do anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: CAVALRY INVESTMENTS, LLC
State: AZ
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 have sent 3 letters, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to Cavalry Portfolio Service requesting they verify this debit. To date they have ignored my request and are still reporting this debit as collection on my credit reports. I did receive a letter when I made my first request, however, my request was completly ignored, in which I followed up with a second request and then a third. I have attached the letters I sent and the lame response that followed. Cavalry has refused to verify this debit and they have ignored my written requests to do so. Each month they report this on my credit reports they are in Violation of the Fair Credit Reporting Act by reporting inaccurate information and in Violation of the Fair Debt Collection Practices Act, continuing collection activity on a debt which has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
When I graduated from law school, I struggled to find a job. When I sought help choosing a repayment plan, I was steered into forbearance / deferment by instead of an income-based repayment plan such as REPAYE. As a result of this, I 've accumulated in excess of {$50000.00} in accrued interest. While I now have a stable job and I 'm making monthly payments, the accumulated interest has now made my ability to decrease the loan 's principal nearly impossible, keeping me in perpetual debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute with transunion regarding a credit care balance that was affecting my credit score. 
Dispute Results From TransUnion TransUnion received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 

If you 're not satisfied with these results you can go to TransUnion 's site and submit a Request for Investigation. You 'll be able to attach supporting documents to your dispute and ask TransUnion to add an explanatory statement to your credit report. 
Want to take it offline? You can print the Request for Investigation form and mail it to the address below. 

If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

This information is not correct. This is mistake on the part of transunion. Shortly after the report by transunion my credit score declined. I fell transunion retaliated against me because of my complaint.

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 2017-11-05
Company: Collection Professionals, Inc. (Macomb, IL)
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX threatened to sue me for this debt while I was attempting negotiate a settlement. XXXX had no interest in working on a settlement and I paid the entire balance, however, Collection Professionals refuse to remove this medical collection from my credit reports. Please manually delete this item from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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:
There are numerous accounts being reported on my credit file that are NOT related to any transactions done by me. This was a result of malpractice or an error.

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 2022-03-09
Company: NAVY FEDERAL CREDIT UNION
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 status incorrect

Complaint:
I have 3 negative accounts reporting with Navy Federal Credit Union. The accounts in questions will be attached to the following CFPB complaint. There are multiple payments reporting late on three different accounts. The late payments being reported was reported during a period of being on XXXX XXXX military and being XXXX. This falls under SCRA. Please review the following attachments and correct the following late accounts to paid on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To Whom it may concern, I am writing to file a complaint about Navient, the student loan servicing company. 

I have had a lot of trouble over the past few years with this company and their practices. Their incompetence and unprofessional behavior has made it difficult to properly pay off student loans without calling back again and again over months to make sure the payment is applied correctly. Consumers should not have to babysit their financial servicing company, call back every week, for weeks on end, and make sure the thousands of dollars they just spent to pay off a student loan is applied correctly to the loan. 

Navient has also made it impossible for me to sign up for an automatic payment program on my private student loan, which is eligible for a 0.50 % interest rate reduction once signed up. I have been trying to get someone to help me sign up for 2 years XXXX it does n't work with their online dashboard ). They have documentation about my attempts to sign up for this as far back as XXXX XXXX. Many ( not all ) of the customer service staff are rude, have a very poor attitude and are insulting when calling to ask for help. 

I have begun calling Navient again to get signed up for this automatic payment so I may reduce my interest rates. This morning I have spoken with 6 different people, all of whom transfer me to the next department to essentially pass me on to someone else. A previous research investigation about the .50 % interest rate reduction was closed with no result, and no contact from Navient. 

Additionally, as I attempt to pay my loans off so I do not have to deal with this company again - I am reminded at how poor their website and dashboard system is. After making a {$500.00} principal payment to a loan, I received no email confirmation. There is no record of it online in the online dashboard management or account over the phone. The response is to wait 48 hours and call back. I find this to be unacceptable in this day and age. 

Finally, the organization of this company terrible. Upon calling to service my account, I can not speak with one person about my private and federal student loans. Employees have only 1/2 of the information to help you. The endless transfer back and forth between the split office, and to the collections department for payment, is deplorable. Each office works with different software, computer systems and information and as a result can not help you in a single phone call. 

Any entity that must transfer you between 3 departments over 90 minutes of being on hold in order to set up a single automatic payment clearly has major problems. This is not the type of organization that should be servicing hundreds of billions in debt. 

Thanks for listening

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-09
Company: Block, Inc.
State: MS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a cash app bank account that was fraudulently charged multiple times by two companies. The 1st fraudulent charge was on XX/XX/XXXX XXXXXXXX XXXX  2022 and XXXX XXXX  is the company that charged me {$1.00} that did not go through. Following that charge a company called XXXX XXXX XXXX charged me for numerous amounts of transactions that drained my account. I have pictures which show a list of the fraudulent charges and their amounts. Some transactions went through and some did not. I have not lost the debit card that goes to the account or given out my information. I have contacted cash app numerous times concerning this matter and they did refund a small amount of these transactions amounting to XXXX something dollars out of the XXXX approximate dollars that were stolen. I have never spent money with any of these companies nor do I spend money that frivolously. Cash app 's website says that your money will be secure with them but that has not been my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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:
There are numerous accounts being reported on my credit file that are NOT related to any transactions done by me. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I do not know if this is the appropriate channel to report a loan offer I received in the mail. 
I am currently struggling financially due to being XXXX and high medical bills in collections. This has contributed to my less-than-perfect credit record. 
Today I received an installment loan solicitation from " Big Picture Loans ''. It says I am pre-approved. 
I researched this company and found that the yearly interest rate is 780 %. It does not state that on the letter. 
There are reviews online that state that dealing with this company is a nightmare. If one wants to pay off their balance early it is very difficult. Some reviews are 5-stars but they look fabricated to me. 
I think this is a predatory loan because they locate individuals who are down on their luck then offer this loan as a solution. No doubt there are many people who are desperate for money at this time. This company seems to be taking advantage of this situation. 
They will stretch the repayment period out for up to 44 months in order to maximize their profit. Too bad for the little guy. They probably really don't care. 
Of course, I did not apply for a loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
On or around XXXX XXXX XXXX I was reviewing my credit report and I seen several errors on my report. My XXXX XXXX XXXX XXXXas final on XXXX XXXX XXXX. There are several accounts still showing that need to be removed. I am sure it was just a misshapes that it was not properly updated correctly. I have attached a copy of my 1.PHOTO ID 2. Bankruptcy XXXX # 2:17-BK-51306 XXXX. XXXX XXXX XXXX XXXX. 
3. ATTY : XXXX XXXX XXXX 4. PHONE : XXXX. 
5. ACCOUNT TO BE REMOVED ( SEE ATTACHMENTS ) 6.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: NJ
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:
Upon reviewing my credit report I noticed several suspicious inquiries. This is a violation of the FCRA section 1681 ( c ) which constitutes as fraudulent activity and also breach of my privacy rights. Please provide A COPY of when I sent a written permissible purpose for every inquiry. This is needed in order to validate the inquiries. I did not authorize any employee by these companies to make any inquiry and view my credit report. Finally I demand an audit trail and production of my signature authorizing the inquiry. If you are unable to provide me this info in 3-7 business days, I demand you DELETE THESE DEROGATORY and Fraudulent inquiries from my consumer report in which I gave you no wet ink written consent to furnish!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Regarding a XXXX American Express XXXX : I incurred a late charge. I requested a credit/grace due to my belief of having being a good customer. While this event does not happen regularly, most companies are willing to do this. The agent explained my spending behavior/amount didn't warrant a credit. A supervisor essentially said the same thing and that the " system '' wouldn't allow it. 

There were long pauses and I believe this was a tactic recommended to get customers to give up and hang up. I was told there was no customer retention or compliance department. 

I requested the account be closed. I was read a disclosure. A few weeks later, I received a promotional email. I logged in and learned the account remained open. 

I feel the act of not closing an account is a systemic problem whether it be performance metrics AMEX holds on customer service personnel or that leadership explicitly trains as tactics. I feel deceived as a customer. 

I believe the call took place on XX/XX/30 or XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased the ticket on XXXX, itinerary XXXX, case # XXXX # XXXX. XXXX eventually told me they cant help and merchant has to be dealt with directly. 

I then contacted the merchant XXXX on XX/XX/21 ( Feedback ID XXXX ), I have not heard from them yet. 
Flight was with XXXX XXXX but I was told XXXX is the company that owns them. 

Confirmation number was XXXX Passenger was XXXX XXXX Ticket was purchased online on XXXX and was paid for with my Chase freedom Scheduled dates of travel were XX/XX/21 from XXXX to XXXX Return trip was XX/XX/21 from XXXX to XXXX We did not cancel the ticket. 
Other tickets were also purchased but had different dates to fly. 
We did not change or want to change the ticket for the passenger above. 

We were interrupted in XXXX and were told that XXXX XXXX cant continue with us. She had a valid US visa, Covid vaccine paperwork and a negative covid test. We were told it was due to new covid regulations she cant continue to us with us. We even emailed the embassy in XXXX to make sure she can travel and we were informed that XXXX  citizens can travel to US with a valid US visa. XXXX XXXX staff was shown ALL of these documents at the gate and they photographed and sent them to their superiors. Decision was still made to INVOLUNTARILY remove her from the flight and not allow her to board. As a result, my wife and daughter had to stay with her and find her a flight home that day. This caused them to miss their flight to US and spend that night sleeping at the airport terminal. Nobody told us at any point that additional authorization would be needed on top of a valid visa and all the required covid conditions which were a vaccine and a negative covid test. 

Absolutely terrible treatment by all around. XXXX  for doing this and XXXX for avoiding to help even though ticket was bought through them. I will attach email response we had from the embassy in XXXX several days before the trip. 

Nothing was disclosed to me about the travel. When the ticket was bought for this passenger, he citizenship and passport number were input and where from and where to she is traveling, yet nobody told us anything. They checked us in XXXX and then halfway around the world decided she must come back. This passenger is XXXX XXXX and has XXXX XXXX as well so leaving her to fend for herself to find a way back home was not an option. 

Two separate disputes filed with chase were both resolved in the favor of the airline. The airline rebuttal was that the visa was not valid due to covid regulations and based on that they ruled against us. Visa was valid and was issued prior to covid pandemic. Pictures were provided to the Chase credit dispute team. This traveler also had a covid vaccine and negative covid test. 

CLAIM ID : XXXX

Company response to consumer: Closed with explanation