BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-12
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2016 A credit collection company was collecting for a balance @ XXXX XXXX which I disputed and was actually settled for {$1500.00} with collection agency due to the fact they could not provide back up only saying I owed the debt to XXXX XXXX {$450.00} They removed the debt then they sold to the current collection company and back on my credit report. 
Reach out to Credence Collection Company to try and explain the situation was told that I owed the debt - they did NOT have to provide back up to the debt I owe but I owe it. 
I have turned this over in 2016 to XXXX XXXX fraud department - and a not to mention I am a CURRENT XXXX  XXXX customer This is ridiculous that collection agency can continue to purchase a debt that was fraud and already removed not to mention to continue to collect which resulted in a settlement of {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
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: Account information incorrect

Complaint:
To whom or what this may concern, but the information on my credit report is completely inaccurate. Equifax shows on page 4 & 5 that I don't have a credit card balance for XXXX on XXXX or XXXX. On page 6, it shows that my date of last payment was XX/XX/XXXX but the delinquency shows it started on XX/XX/XXXX ; which is contradictory, the payment history says I paid on time in XXXX. The report shows that my charge off is not present after XXXX, XXXX. XXXX  and XXXX  have different information as well. XXXX  shows my last payment was made on XX/XX/XXXX on page 1, but as you look on page 2 it shows a payment was made. XXXX  will not even let upload my documents for some reason. I send emails and I don't get a response. 

PS my original student loan account shows that it was paid and closed on all 3 bureaus, so the XXXX account should not even exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Experian Information Solutions Inc.
State: CA
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: Information is incorrect

Complaint:
I am trying to dispute an account on my credit which is not mine that was created before my date of birth. I have tried to contact the company multiple times, but can not reach a human through their automated system trying several phone numbers throughout their website including a specific number given to me on their web page when trying to file a dispute. 

I am also unable to freeze my credit with them online and will not accept the only solution to freeze my credit is through conventional mail. This would not allow me to thaw my credit in time for future use and I do not see it as reasonable.

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 2019-05-16
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification today that a collection was added to my credit report in the amount of {$740.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My name is XXXX XXXX and my XXXX XXXX is XXXX XXXX located at XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Texas XXXX Wells fargo closed my account for no reason at all.i see this as XXXX profiling.banks can not continue to close people 's account and keep saying they have no reason for the closure. This doesn't make any sense to me.even if you have the right to not do business with me anymore for transparency sake I've been doing business with you for long.i deserve to know why you are changing your mind all of a sudden.shouldnt the bank inform people of reasons their accounts are being closed to be able to know how to either remedy the situation for future purpose or tender an explanantion. Wells Fargo put my entire business on hold for no explainable reason and closed my account. For how long are consumers going to keep up with banks in this order. Why is it that consumer protection bureau is not doing anything about this indiscriminate close of account? 
Does this mean that consumers have no option when their accounts are closed.someone will need to look into this and do something about it. 
Wells fargo will need to tell me why they closed my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
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: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2017-11-16
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Im writing today regarding an ongoing issue I am having with the Department of Educations Public Service Loan Forgiveness program and my federal loan servicer, Nelnet. As an XXXX employee, I am eligible for this program. When former XXXX XXXX signed the law into effect in 2007, I called Nelnet to verify I was in the right program to qualify for loan forgiveness after 10 years of service and XXXX payments on an income based payment plan. Nelnet assured me I was in the correct loan and correct payment plan to qualify. I even called a few extra times throughout the past 10 years to verify everything was still in order. Once again they assured me it was and everything is correct. 

About a year ago I called Nelnet and they told me Im in the wrong type of loan and I dont qualify for the federal loan forgiveness program. Ive tried everything to try and get Nelnet to take responsibility for their mistakes for providing me incorrect and misleading information over the years. They have even acknowledged that I called when I said I did and have records indicating the reason for my calls. The customer service representative on my most recent call admitted they made a mistake and that the program was new and they didnt have proper procedures in place to manage the program. Now they have a whole department that handles it. Even after they are apologizing for the situation and apologizing to me, they claim there is nothing they can do. 

I still have a loan balance of {$20000.00} that should and would have been forgiven if not for their error. Im very frustrated with the entire situation and I dont know what recourse I have. I feel I did everything I could have done in order to assure I would be able to take advantage of the program benefits I am eligible for and entitled to. 

Furthermore, Nelnet deceived me into changing my repayment plan to the Graduated payment plan. This stretched my repayment period as long as possible while still qualifying for the federal loan forgiveness program. Which turns out I wasnt in the right loan category after all. This is costing me more money than it originally would have under the standard payment plan I was in before calling XXXX XXXX, XXXX. 

I am writing to your office to seek help in resolving this issue. I feel Nelnet is mismanaging federal loans on behalf of the Department of Education and taking advantage of individuals in Public Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: HANCOCK WHITNEY BANK
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have all phone numbers to prove what I am saying also up to72 calls per day not happy with this out come also 7 person they contacted ask them to stop and will testify in court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Capio Partners, LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
In XX/XX/XXXX Capio XXXX Flagged my credit profile and added a collection account. Not even 30 days later on XX/XX/XXXX Capio XXXX again flagged my account trying to reage it and make it seem as if it is a new account showing up. They did this in less than 30 days. ( Please see attachments ). This was after the initial account they had on my credit file was deleted, so the transferred it to another department ( stated on a recorded line ) Under Colorado law. Medical Bills are legally only collectible for six years. On a recorded line the representative said this debt was from XX/XX/XXXX. I asked him why didnt I receive a letter or anything saying I owed the debt and he said that the letter was sent to an old address ( stated on a recorded line ). So that means you knew the info was sent to an incorrect address but you still took it upon yourself to break the law and put this information in my credit file then try to reage it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
From XXXX I paid off the balance of the credit card, I then called them and told them i no longer want the card and I need it closed. After obtaining my credit report I see that they have put it in collections with the amount I owe over {$1000.00}. This isnt right I called and told them to close it. There should be no account in collections for this card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
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: Investigation took more than 30 days

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2019-06-28
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ad Astra Recovery Service ( XXXX XXXX ) is on my credit report and I have sent several letters and reports stating that this debt is not mine. They have sent me the paperwork and apparently someone has taken an account out online in my name and XXXX XXXX sent the money to a XXXX XXXX  in Texas and sent me the account # but I have never had an account at XXXX XXXX and the address the person put on the account is an address I hadn't lived at since XXXX. XXXX XXXX did provide me with the bank account number the money was sent to but this is not my account and I am not paying for anything that I did not do. I never have nor ever will do a " payday loan ''. According to my credit reports, the account was taken out on XX/XX/XXXX in the amount of {$650.00}. I am not going to pay for something that I did not do and this company does not care and this has been effecting my credit report for years. I want it off! Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I applied for Unemployment with the state of Oklahoma beginning XXXX and got it. Money is sitting in Way2Go card run by Conduent but their customer service wont answer. They have to email contact and headquarters told me Friday the XXXX to contact local agency. After 3.5 hours I got " XXXX '' on the phone from number XXXX and got reference number XXXX for " Team 2 '' to contact me to update my address the same day. They never called. I have been on hold with this number and XXXX for over 5 hours this  weekend. I never received my card because they have the wrong apartment number, My address is XXXX XXXX I XXXX XXXX XXXX, XXXX  XXXX ( NOT XXXX XXXX ), XXXX, OK XXXX. My name is XXXX XXXX. I will be our of groceries any day if I can't access my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/XXXX I called back XXXX XXXX  XXXX XXXX and spoke to XXXX XXXX, She asked me why I stopped paying a credit card in XX/XX/XXXX, I explained to her that I had lost my job, I agreed to set up payments for XXXX a month for 4 months, she asked me for my credit card number gave it to her and we hung up. About an hour later checked my account and they had took out XXXX, which I had told her I was on a fixed income and could not afford anymore than XXXX every two weeks. So I called back and she was at lunch and talked to her so called boss XXXX XXXX who proceeded to talk over me and I tell me that service charge was not his fault, and he said did she tell you would could take it out of your banking account for a XXXX charge instead and I said no she never gave me a choice. I said I will just resend my offer and stop the card and he said go ahead and you will get in a lot more trouble, He said that it was my problem I couldn't pay my bills, He kept talking over me and was very hateful, I did call him 2 cuss words, I hung up and called back and the next operator said that he hated to hear a women cry but, people like me just didn't understand and I said people like who, he said we don't have time to deal with this everyday on the phone. Well isn't that his job? I was very nice when I spoke to XXXX and agreed to pay the bill, but no one gave me a choice of how to pay it, No one told me there was a XXXX service charge. XXXX XXXX is a problem and needs to be reprimanded, but you know what no body cares?

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 2020-04-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX or XXXX, 2020, a " Hard Inquiry '' was made on my credit to XXXX by JPMCB Card Service. I did not authorize any such request. I have asked no businesses or people to make any inquiries. I have no interest in getting any new credit cards ( services ). - I have filed a complaint with the XXXX County Sherriff 's Office ( case # XXXX ) - I have frozen my credit with all three of the major credit bureaus - I have tried to contact JPMCB Card Service ( and had no luck getting any real answers or help/guidance ) - I have contacted XXXX, but have no luck getting any real answers or help/guidance ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Due to the XXXX data breach/identity theft there are many unauthorized inquiries and accounts on my credit report that need to be removed immediately. What the bureaus are doing to people is terrible. I go to closing in for a new home in 30 days and this is really holding me the XXXX back! This is ridiculous. According to the FCRA laws I know if I filed a FTC report that whatever is unathorized is to be blocked and removed. Now, CFPB please encourage XXXX, XXXX and Transunion to do their part because if i do not receive a response and those things mentioned on my credit report still exists, I will suing all 3 bureaus. 

Please do not tell me that " its not me that authorized this complaint '' because I am attaching my ID, and Social security card. No stalling tactics that harm regular consumers like me! FTC report and FTC letter has been sent and filed and a police report has been filed and an identity theft affidavit has also been sent to all 3 credit bureaus and faxed to XXXX. I have receipts of everything. FTC report reference number is # 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 2019-09-12
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX.. a treating XXXX at XXXX XXXX performed a "  XXXX   XXXX '' XXXX without my consent. I was told that the XXXX would be completed at the same time as my XXXX XXXX, which was scheduled at a later time. Subsequently, I was billed for services performed without my knowledge. 
On XX/XX/XXXX, I filed a formal grievance and received receipt of that grievance on XX/XX/XXXX. 
On, XX/XX/XXXX, XXXX adds a XXXX XXXX debt collection onto my credit report. XXXX and XXXX  do not and have never included this as a valid debt. This is in error and needs to be removed from my credit report.

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 2019-05-16
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/19 I email Cash App support to tell them that I paid {$40.00} for a vendor event and the person didn't provide me documents /location that was needed to attend. I asked them to refund my money or I will have to file a dispute with my bank. Cash App replied back and told me that that was the best thing to do in order to get my funds back and they will listed the merchandise as a fraudulent activities. Meanwhile, they included information for me to submit to them concerning the merchandise and I didn't do it because I thought email them the email conversation between her and I was okay. Meanwhile, days later my account was deactived. 
A few days later I reopen another account under my business name because I knew I had to have funds coming in from clients. They instantly told me that my account is closed and for me to transferred the funds into my banking account. When I tried to do so I was unable to transfer the funds, update new credit card or refund the person ( s ).  I have email them at least 4 times a day concerning this matter. No reply from a human.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/2021 I am very upset with this matter. I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not recived a valid response yet. I did my own due diligence and I know the credit bureas have 30 days to reply back and they havent. I feel like the credit bureas are taking advantage of me by ignoring my disputes I took time to send them. Sectyion 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Or I will file litigation due to the stress you cause me. My information was impacted by the XXXX  data breach may have got into the hands of the wrong person. I am begging for help at this point. 

I demand these accounts be deleted immediately or I will pursue litigation. 

On XXXX XXXX XXXX  XXXX  XXXX XXXX add a derogatory mark on my credit report per XXXX, XXXX  and XXXX  upon further research, this account was transferred/sold and I am no longer responsible for the accont. Debtor creditor did not verify this collection, also there was no written form of communication, contract, or signature for this accused debt at all, a bill without a signature does not validate the debt and anybody can send a bill and says its mines. According the the FCRA, XXXX  XXXX  XXXX XXXX has violated my rights as a consumer and I ; m requesting legal action to remove this account immediatelyly.

Company response to consumer: Closed with explanation