BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-26
Company: National Credit Systems,Inc.
State: OR
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:
Good Morning, This debt has been settled and paid multiple times. However XXXX XXXX  XXXX  XXXX continues this fraudulent behavior. I have tried contacting them, along with XXXX. These were all settled in XXXX or 2015. For {$1700.00} {$2700.00} and {$2000.00} which were negotiated and paid with XXXX XXXX XXXX in XXXX XXXX. This has caused me to go homeless because of greed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: ProCollect, Inc.
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:
I called Pro Collect Inc to dispute the balance on my account. Pro Collect Inc is located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. There phone number is XXXX. They are not my original creditor. Remove 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 2019-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
my credit is XXXX i have no credit and can't get approved for any credit because i don't have any credit so how am i supposed to build credit if i get denied for everything i apply for and the only thing that's on my record is hospital bills from when i was pregnant and i was on XXXX so XXXX should have paid for those bills but for sum reason they are still on my record i have tried to get it taken off but it aint went nowhere. i have tried and tried to build credit but cant seem to get approved for anything since i don't have any so what do i do how do i build credit if i cant get approved for anything that do i do because i cant even get a loan and im trying to buy a home and start a business but cant because i have no credit what should i do

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Monterey Financial Services LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have contacted your company to cancel a contract for item I never received. Your agent told me that I would still need to pay you XXXX off money that your seller never returned. I contacted the seller and they started you contact you to cancel. Contacted your company and you tell me to contact the seller. I am getting the run again with both companies. This need to be cancelled immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I feel like i'm taken advantage of and there are errors in my credit report that is affecting my character as a consumer. Under federal law, you are only supposed to report true and accurate information. I will have no choice but to escalate this if you do not comply with the law.

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 2022-10-15
Company: U.S. BANCORP
State: MT
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I was issued a US Bank XXXX  payroll card in XXXX of XXXX, I used the card to get paid for about 6 months. I then quit the job. I stopped using the XXXX  card. I got another checking account with US Bank and no longer needed the XXXX  card. I called in XXXX of XXXX and asked for the card to be cancelled, the CSR assured me it would be cancelled and a Check for my remaining balance sent to my address on file. The account is still visible on my US Bank app and still has a remaining balance. I want the card canceled and my balance refunded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-06
Company: AES/PHEAA
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019 my IDR repayment through XXXX was recalculated and it stated that my new monthly payment would be {$240.00} and the first payment would be due on XX/XX/2019. I made the correct payment on XX/XX/2019 and the noticed that my credit score significantly dropped ( 77 points ). This was the explanation provided on XXXX XXXX 's website : " Balance increased by {$660.00}. It looks like your student loan balance went up. This could be due to a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
Between XX/XX/2019 and XX/XX/2019, your XXXX XXXX student loan account balance increased by {$660.00} from {$260000.00} to {$260000.00}. '' When I called XXXX they stated that the reason my score dropped was because of unpaid interest. So far as I know, it is common practice for student loan amounts to go up even when making regular payments because of interest. However, I am not aware of any other person who has been negatively impacted by interest on their credit reports when making timely payments. The only solution they offered was for me to make an extra {$1300.00} payment every month or have my credit score continually drop. 

I am on the Revised Pay as you Earn Plan as well as the Public Service Loan Forgiveness program since I work for state government. I do not understand how this is not predatory lending. XXXX determined the amount I could afford each month and that is how much I pay. I should not be penalized for making timely payments that they established.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: NC
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:
Ive recently disputed inaccurate collections on my credit report only XXXX has removed the negative items, Im suffering hardship because of these negative items of collections on my report. These alleged debts/collections has not been validated at all and I have applied for a credit card and have been denied because of the improper use of my report. Im seeking these collections to be removed immediately as I have a right to privacy and accurate credit report. They all are to reflect the same information which they do not.

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 2020-06-04
Company: EQUIFAX, INC.
State: TN
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:
Equifax did not properly investigate my XXXX account. It is saying I was late. I was never late. 

Equifax did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX XXXX XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my Dept of EdXXXX. It is closed and still showing on my credit report duplicate accounts. 

Equifax did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX Account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX XXXX  account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX XXXX XXXX account. It is closed and still showing on my credit report. 

Equifax did not properly investigate my XXXX account. It is closed and still showing my credit report, Equifax did properly investigate my XXXX XXXX account. It is closed and still showing on my credit report duplicate accounts. 

Equifax did not properly investigate my collections accounts. 

Equifax did not properly investigate my XXXX account. I never had a account with them. 

Equifax did not properly investigate my Chapter XXXX account. I never had a Chapter XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Receivables Management Partners, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection agent  was abusive, unwilling to listen, and had not reviewed my email sent 17 days earlier. Agent claimed that RMP systems did not allow her access to the content. 

XXXX, XXXX, XXXX  is the medical practice in question. This practice switched billing systems to XXXX in XX/XX/XXXX and failed to record my payments. I only learned of this situation after receiving collection notices and calls from RMP. I proved the balance was paid to XXXX by sending XXXX my medical spend account statement showing the payments to their business. I discussed with this person- XXXX XXXX refused to involve a billing XXXX or provide a name, but did finally send me a statement weeks later showing my balance as {$0.00}. I also requested that XXXX pull back the collection agent, but RMP refuses to stop collections. 

I sent the {$0.00} balance statement to RMP on XX/XX/XXXX at the email address provided by their agent - XXXX RMP called today XX/XX/XXXX and I learned that my email has not been reviewed or acknowledged. Verbally abused  by the collection agent for asking if they had received and reviewed my email and was told that RMP internal systems are dis-functional and she could not review. RMP has no interest in the actual state of my account and only want to collect on the account they have paid to acquire regardless of the current state balance. 

Trying to collect on XXXX balance account that is the result of a practice billing error due to IT system switch over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: AmeriHome Mortgage Company, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage and Amerihome sent me my escrow refund and then cancelled my check in XX/XX/2020 because they claimed it was not properly endorsed. I have been trying to get a check reissued for almost a year now and they still have not done it. I have attached the stop payment notice from XXXX XXXX XXXX XXXX for the total of the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, 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:
I received 100 % Total XXXXisability rating from the VA XX/XX/2021. The following day I submitted the forms to have my student loans discharged. The student loans were discharged, but none of my credit reports were accurate. I filed disputes for all of the student loans shown on XXXX, XXXX and Equifax 's reports. XXXX shows completed, however the past due dates are still present on the credit report. XXXX and Equifax have more than 24 student loans listed for me, but most of them appear to be the same loans that were at some point transferred to another servicer. We are about to purchase a new home and accurate credit reports are vital to our family. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: ALLY FINANCIAL INC.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an auto loan with Ally Financial Auto. I was unemployed for six months and fell behind on payments. Despite making partial payments in any amount I could, they have been and continue to harass me, my wife, extended family members, and my employer with hourly calls and voicemails that are overload our phones voicemails. Additionally, despite making partial payments, they recently locked my account preventing me from making direct payments to them and forcing me to use wire transfers.

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 2019-11-07
Company: EQUIFAX, INC.
State: FL
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:
Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Stuart-Lippman and Associates, Inc
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/21 XXXX Trying to collect a debt thats not mines. 
Pursuant 15 USC 1692e. ( 2 ) ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
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 received notification of a new debt that was added to my credit report. I am not aware of the origin of this account. I contacted the credit bureau involved and the debt is still reporting to my credit report. The debt is from a company name XXXX XXXX and the original creditor is XXXX. I do not have a cell phone from nor have have I had a phone from XXXX. I would like this collection attempt to be removed from my credit report ; It does not belong to me.

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 2019-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

How is it possible that the DATE OF LAST ACTIVITY on XXXX reports XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX   XX/XX/XXXX. That's months, and year apart!!! There is no way that the same company/bank would send totally different data to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022, I retrieved a copy of my credit report and discovered inquiries that I have no knowledge of. 
I contacted the Big 3 Bureaus who placed the inquiry and asked them to remove their credit inquiry from my credit profile, but to date, there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-29
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit 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 Received a bill from XXXX Platinum Credit Card Saturday, XX/XX/XXXX via email, stating that I owed {$19.00} for the XXXX XXXX XXXX XXXX. 
I sent them a secure message via the link provided in the bills email, stating that I did not owe that, but was told it was the incorrect place to send a message and that I needed to contact Comenity Capital Bank. I thought that was who I was messaging. Very Confusing. 
I contacted XXXX XXXX and they verified that I had canceled the club membership XX/XX/XXXX ( XXXX XXXX from XXXX XXXX, verified it ) I sent a dispute letter to Comenity Capital Bank, via registered return/recieved mail, to the address they provided ; signed XX/XX/XXXX, with a stamped signature. My letter explained that I did not owe them any money along with the email verification from XXXX XXXX of my cancelation back in XXXX of XXXX by XXXX XXXX. 
I received a letter acknowledging the receipt of my dispute letter, which was dated XX/XX/XXXX. They asked me to give them 90 days to investigate my claim and that they would notify me of their findings. I have not received an answer to date. 
I received a debt collection letter from Comenity Capital Bank as a response to my cease and desist request sent via the secure message center due to collection phone calls from them, wanting to resolve the matter by having me pay 50 % of the alleged owed amount, late fees and interest. I did not owe any of the money to begin with. 
In XX/XX/XXXX, I applied to receive the new XXXX XXXX XXXX and was turned down by XXXX XXXX, due to negative information on my credit report. The negative reporting was by Comenity Bank/XXXX XXXX. They have reported me being delinquent since XX/XX/XXXX ; which was during the 90 day investigation they were supposed to be doing. 
My credit report shows only one negative account ; which is ComenityBank/XXXX. They show me delinquent from XX/XX/XXXX to present and my credit score has gone down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.

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 2019-11-07
Company: EQUIFAX, INC.
State: MO
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 a fraudulent account showing on my equifax report from a XXXX XXXX XXXX XXXX. I have never had any account from this company and I have tried working with equifax during the spring of 2018 to get this account cleared to correct my report. This account does not show on any other report of mine besides Equifax. I need this corrected, it is effecting me negatively and i have had issues being able to secure anything that requires my credit. There should not be any first financial account showing on my report because again this is not an account of mine and i did not open any accounts with this company ever.

Company response to consumer: Closed with explanation