BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-22
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ally financial has repeatedly contacted my cell number even tthough I contacted them and demanded they stop calling, they continue to call my cell number. 
Each time I called to demand they stop calling I was rudely treated being laughed at and hung up on.

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 2020-10-09
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX I looked at my credit report from XXXX, XXXX  & XXXX  & I noticed two medical collection for XXXX XXXX XXXX being collected by Transworld Systems Inc. One in the amount of {$270.00} & the other of {$420.00}. I do not deny that this debt is mine, but I also do not recall owing anything as well. That same day XXXX I sent a simple debt validation to TSI/ Transworld Inc in order to verify this belongs to me. I also sent a letter on the same date to XXXX, XXXX, XXXX  asking them to verify this is truly  mine. I patiently waited and after over a month I have not received any response. I sent the same letters again asking for my right to know. At this point it has been well over two months & I have not recived a response from either the collection company Transworld Systems or the credit reporting agencies. I have nowhere to turn with this injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
TransUnion continues to report inaccurate information on my report. They reported that I was no longer an authorized user on a XXXX XXXX account, however, this account had been closed years ago. They are reporting my debt as high for my student loan as having missed payments. This is incorrect, as my payments don't begin until after I complete my degree which will be 2023. They also did not remove a collections account after I submitted documented proof that it was incorrect. They are a complete scam and I will take legal action.

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 2015-10-29
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I currently have a defaulted PRIVATE student loan that originated with XXXX XXXX XXXX. The loan was generated around 2003. After completing XXXX semester of school, I decided to join the military in support of XXXX. I am now XXXX retired and am XXXX. I am in the process of trying to purchase a home. After meeting with the mortgage company, it was brought to my attention that this debt is preventing me from an approval for a VA loan to purchase a home. The defaulted loan is reporting to only XXXX credit reorting agency. I was also informed that the loan has since been sold to Navient ( whom this complaint is being filed against ) but is being serviced by XXXX XXXX. I contacted XXXX XXXX to set up a payment plan and was told that they could not accept the terms I brought forward to them and would be unwiling to work with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-06
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/18 : at XXXX I contacted my bank to let them know that I was wiring money to family. At or around XXXX XXXX, I returned a call from a Western Union representative. I was told that the transaction was confirmed and that the receiving party could go pick up the funds which Western Union advertises as " Money in minutes ''. I have the emails showing that transaction was confirmed, only to receive a cancellation, without warning, while receiver had to wait 12 hours at a Western Union waiting to pick up the money. I wasted hours of my life, calling Western Union, answering the same questions, over and over again. On that particular transaction XX/XX/18 I was given a confirmation number XXXX. The money never made it to the receiving end. I was told, 1 hour later, that the transaction was cancelled due to security issues. Lies, lies, and more lies. Nobody knew where my US {$1000.00} went, my family member waited 12 hours at the receiving Western Union end, only to be told another unsubstantiated story. Each time I called, it was a different story. They finally conceded they had my money but it was going to take up to 7 days to get my US {$1000.00} back. Their suggestion? " Mam you need to do a new transaction ( while they had my my $ US {$1000.00} ). I asked them to either credit my money immediately as I don't have another US {$1000.00} sitting around at home. In spite numerous phone calls ( from XX/XX/18 to XX/XX/18 ), the issue was not resolved. Nobody could give me a reasonable answer. Every time I called, I was given absurd and different reasons as to why the transaction was either cancelled or delayed. Problem still unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: Experian Information Solutions Inc.
State: NJ
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 opened a dispute with EXPERIAN on around XX/XX/XXXX in regards to some late payments on my student loans back in XXXX. On XX/XX/XXXX, I received an email from EXPERIAN stating my dispute was complete. When i try reviewing my dispute final desicion on their website it gives no information on what was the update on the dispute. On XX/XX/XXXX, I call EXPERIAN directely to get an answer and all they said was for me to contact XXXX. If experian would have done their job and contacted XXXX like they were supposed to do, they would of found out that I was never late on XX/XX/XXXX ; I was on a FORBEARANCE at the time in question. Also, EXPERIAN is reporting incorrect information on my EXPERIAN report. They are stating that on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX my account was ON-TIME and than on XX/XX/XXXX my account was 90 days LATE. Which makes absolutely no sence as how can i be 90 days late in XX/XX/XXXX and be on time on XXXX, XXXX & XX/XX/XXXX. Enclosed, please find my account statement from XXXX were it very clearly states I WAS ON A FORBEARANCE meaning I couldn't be late in XXXX, nor XXXX nor XX/XX/XXXX like EXPERIAN report is stating. I will like my report to be updated immediately reflecting correct account information.

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 2017-10-26
Company: Integrated Recovery Services
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
He calls me at the morning XXXX in the morning he tells me that I 'm worthless what kind of drugs am i smoking and I have no dignity for myself that I 'm worth nothing and he wants to leave these on my voicemail so I have proof and the company 's name and XXXX XXXX and the guys name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
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:
Transunion, XXXX  and XXXX refuses to contact XXXX XXXX to obtain a new report which shows they have deleted the bankruptcy from my consumer report. XXXX XXXX even sent a dispute on my behalf which they all refuse to reply to and delete the erroneous information. Documentation has been included.

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 2019-05-15
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 information incorrect

Complaint:
Experian lists a negative item on my credit report stating that I failed to pay money due to the City of XXXX XXXX. I have never lived in or owned anything in XXXX XXXX. I contacted the Treasury Department at XXXX XXXX using the information on the Experian report and the City of XXXX XXXX said that I do not owe them anything and that they had not reported that I did or do. 

I disputed with Experian online and they have not removed the item. I have tried to call their phone # and after numerous menus and hold times I get staff that are not helpful and refuse to connect me with someone who can help. I have told them I am trying to complete a financing transaction and that this error is causing me to pay significantly higher rates if it is not corrected immediately yet they have not acted other than to note the item as disputed. It took me one phone call to the City of XXXX XXXX to verify this is not my debt. 

I am XXXX XXXX XXXX, I sign documents etc as XXXX XXXX. The Experian report list the name XXXX XXXX XXXX XXXX, I am not XXXX XXXX XXXX XXXX nor have I ever done business or used that name. The report also inaccurately reports some prior addresses that I have tried to dispute. 

Experian is profiting by selling inaccurate information while committing slander and costing me ( I am sure others ) money, not only do they make errors but worse they make it incredibly difficult to get the errors they make fixed.

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 2019-10-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
SPS Select Portfolio Servicing of XXXX XXXX XXXX, UT appears to be a debt collection agency, who started a systematic harassment by mail debt collection campaign against wife, XXXX XXXX. 

This harassment following a failed foreclosure attempt over the past 2 years ( XXXX-XXXX ) by XXXX XXXX XXXX and their attorneys ( XXXX ) over a 2nd Mortgage default loan by XXXX, approximately 10 Years ago. 

During XXXX-XXXX time period of XXXX/XXXX ( attempt to foreclose on our residence, XXXX XXXX XXXX, XXXX, VA XXXX, on legal advice & assistance of Mr. XXXX XXXX, Attorney, XXXX XXXX, VA, both myself, XXXX XXXX, and wife, XXXX, entered Chapter XXXX Trustee Protection, twice, that prevented the foreclosure attempt by XXXX/XXXX legal agent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Experian Information Solutions 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:
Experian is reporting incorrectly on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past, had a credit card with XXXX XXXX. This account is being reported in error and this line item needs to be removed from my credit report. I have contacted the bureau 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 2018-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
cra violation inaccurate information sent police report and idtheft

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 2019-05-14
Company: I.Q. DATA INTERNATIONAL, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have been receiving repeated calls from XXXX XXXX from phone number XXXX ext XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: SC
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:
I been in contact with this agency numerous times to submit documentation to enter there rehabilitation program. We Submitted documents in timely manner most day same day with the rep. Documents are not being submitted to admin team in timely manner. I call the agency numerous time and left messages and there have not getting back with me in timely manner. There are letting the documents expire to garnish my wages we have made the appropriate payment on our end and has been looking to enroll in program and there taking the funds and not honoring there end of the agreement to put this loan in good standing. This has been a struggle to get this company to follow there own policy and be ethical and the process. Also they like to keep changing the process of how they receive information because they do such a poor job of following up on there clients

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of fraud I put a fraud alert on. I called customer service they REFUSED to remove these hard inquires, I demanded they remove them for example XXXX was suppose to be deleted. XXXX XXXX does not have my social security most of these are wrong social security numbers linked to my account and or do not have permission I called them to remove all of these and they keep telling me to contact the companies. I'm a victim rock fraud inquires and most are invalid or wrong information tho it still linked to my credit file. I ask they remove all of these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of them don't even have my correct social like XXXX XXXX has the wrong social and XXXX and XXXX XXXX do not have my permission I demand them to remove all inquires from my file or I'll go to court and sue for damages, They failed to remove alll inquires I have an active fraud alert and freeze pending I ask one final tim THESE are not factual records most are wrong information and wrong social security numbers so therefore that should not be held as FACTUAL. Remove them all from my file now I will not wait two years I did not authorize these

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Called Capital One after Hurricane Florence because my house had been damaged severely asking for a reduction in payments and was told they couldnt help. I can not make the minimum payment of $ 260+ since Im still trying to recover from the hurricane and they have closed my account after trying to make a payment and returned the payment after accepting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
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: Account status incorrect

Complaint:
This is the 5th time I've tried to fix the status of my Car Loan Account. Even though, credit reporting agencies asked XXXX XXXX XXXX XXXX to validate information and XXXX XXXX XXXX XXXX stated it was correct, when delinquencies weren't. 
I finally received a letter from them saying my account will be updated within 15 days from all credit reporting agencies. Please, I lost 75 points the first time the late payment occurred. I would like to get my 75 points back since my account finally had been brought back to current due to a misunderstanding. 

Attached letter from 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 non-monetary relief
Consumer complaint received 2016-09-02
Company: State Collection Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I saw a doctor on XXXX XXXX, 2016. I was never billed, nor did I owe any sum. The doctor had my correct billing address. State Collection Services sent a collection letter to my father 's address for {$25.00}. I received recorded phone messages, even when I actually answered the phone, making me believe this agency was phishing and it was a scam. I confirmed twice with the provider that that fee was already settled, that I owed nothing. State Collection services told me, falsely, today, that the provider would not know if the fee was still owed because their account would be closed. On a previous call, they told me they would contact the provider. They did not do so. The provider confirmed today that they never work with State Collection Services and that this likely a scam. State Collection gave their phone as XXXX. Their mailing address is XXXX XXXX, XXXX, WI, XXXX, their physical address is XXXX XXXX XXXX XXXX, XXXX, WI, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Are incorrect addresses on my credit report. I want Then deleted as these are incorrect addresses

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 2019-10-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. 
I have already contacted the FTC and local police to file a report. These items need to be deleted from my credit report. XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX/XXXX, XXXX XXXX, XXXX XXXX , UNIVERSITY XXXX XXXX, XXXX XXXX, XXXX XXXX and these inquiries are not mine either. XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX , XXXX , XXXX, XXXX, XXXX , XXXX/XXXX, XXXX XXXX , XXXX, XXXX  XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX/XXXX XXXX XXXX . XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
claims of debt from a credit card in XX/XX/2012 owed, however I have a current account with them now that is in good standing. Must be a mistake or fraud and company will not take off my credit report for all these years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: SUNTRUST BANKS, INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My parents passed away in XX/XX/2016. My brothers and I spent 2 1/2 years. 
SunTrust bank in Florida has been holding the money and not making it possible for me to receive my share of my parents money even though I am a named beneficiary. The bank sends a letter from the account closure services and tell me to call XXXX suntrust to reach them. THIS IS NOT TRUE. THERE IS NO OPTION THAT ALLOWS ANY CONTACT I had to press the option that says I need to open a new account in order to get a live body this is reprehensible

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