BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was rendered XXXX after I graduated college in 2010. I was struggling to pay my loans due to not being able to work and over XXXX of medical bills. I reached out to Navient explained my XXXX ( diagnosed by a Dr. and a XXXX ) and my inability to work due to this XXXX for the foreseeable future. I asked for options and was told forbearance was my only option. This misinformation has led to huge interest accumulation, has dropped my credit significantly and is now in default. Im scared to even deal with them again because I am not savvy enough to know if I'm getting the right information that will help me or worsen my situation. Please, any information that could help me would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
failure to provide proof of late payments, was already removed from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Advanced Recovery Systems, Inc. (PA)
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
We are a XXXX firm who handles bill payments for our client as such we will receive notification from Vendors at times. 

When a client of ours had their Controller leave unexpectedly XX/XX/2018 it was at the beginning of a new lease. Things went awry in the process. the lease was turned over to 2 collection companies payments finally showed as of XX/XX/2018 when the 2nd collection company XXXX XXXX received the payments made to the first and posted into the system of XXXX. The client has made regular payments. XXXX has cancelled their agreement with Sage company. Now a 3rd company Advanced Recovery Systems ( ARS ) has since taken over the collection of the debt. 
ARS does not have accurate balance information and they call our office and yell and scream and demand a payment is to be made without a valid amount even to start the process. 
We also receive emails from the company. 
XXXX XXXX Executive Vice President Advanced Recovery Systems , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX EXT XXXX FAX XXXX XXXX is not the person who calls as we are told he is the executive VP of the company and collection agents make the calls and they are not allowed to email or make agreements. only call and be nasty and demand payment on a disputed amount with no back up to justify the amount still.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I spoke with the company on XX/XX/XXXX that I have never received a bill for the said amount that appeared on my credit file on XX/XX/XXXX from a balance due in XXXX of XXXX. The rep gave me the address that they sent the letter to which I have not lived in over 10 years. My current address has been updated with the post office for over 5 years for my current address. I am disputing this being reported on my credit file as the company never notified me that there is a balance due nor have a received any contact by phone.

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 2018-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent requests to have the BANKRUPTCY removed from my credit reports, as I have contacted the Bankruptcy Court and received a letter from them stating that they do not report to the credit bureaus. The response information I receive back from the all 3 credit bureaus is that is has been " VERIFIED '' and they obtain public information from the local, state and federal courts, which is untrue since I have a letter from the the Bankruptcy court stating that they do n't report to the credit bureau, so I 'm asking for help in this matter to have this removed from my credit reports from all 3 credit bureaus ( XXXX, XXXX & TRANSUNION ). 

Thank you in advance for you help in this matter

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 2018-01-19
Company: I.Q. DATA INTERNATIONAL, INC.
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: Account information incorrect

Complaint:
Disputed with credit beareu serveral times

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 non-monetary relief
Consumer complaint received 2021-12-08
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: Investigation took more than 30 days

Complaint:
I am submitting due to non-compliance with XXXX, Equifax, XXXX. They have failed to remove fraudulent information that is still reporting on my consumer reports. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I temporarily locked my Coinbase account due to fraudulent activity that has since been resolved. Its been 2 months Ive been trying to contact Coinbase to no avail. They say they are still reviewing the issue. They have over $ XXXX  of my money and theres nothing I can do about it. Im at their mercy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am submitting due to non-compliance with XXXX, XXXX, Experian. They have failed to remove fraudulent information that is still reporting on my consumer reports. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 filed a dispute in regards XXXX  the incorrect items on my credit report. It has been over 60 days XXXX  I haven't received any investigation results.

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 2019-05-14
Company: American Finance LLC
State: DE
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/2019 American Finance submitted wage garnishment to XXXX XXXX ( new employer ) and are continuously still seeking payment even though i am under chapter XXXX bankruptcy. 

Case # : 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 2018-01-19
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:
I have been going back and forth with Equifax since 2016 reference an account that does not belong to me. I have provide all letters notorized and FTC report and police report and they still refuse to delete these accounts from my credit report. I also provided this to the creditors and it was removed from the other bureaus but Equifax keeps stating that it was verified. There 's no way that is possible. They have betrayed us citizens by allowing people to have access to our information and then tried to cover it up. This is totally unacceptable and should be dealt with accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt on my credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19
Company: Advanced Collection Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX from Advanced Collection Bureau has been calling since XXXX trying to collect on debt that is not valid. I have explained this to her on the phone and told her to send me the paperwork proving this debt. She is saying I owe {$11000.00} on a lease debt. I wanted to complain also about the repeated calls daily and using abusive language. She has said they is a court judgement. There is no judgement. I never received any letters/notifications from the company who told her I owe this debt. She has made false statements or representation of the wrong amount. There is no way I can owe {$11.00}, XXXX that is more than the whole lease. She has also contacted my roommate and my parents multiple times after they said we wo n't talk to you. They said we do n't know her and where she is. She also threatened to damage my credit for this invalid debt. She has damaged my credit when she has not sent any documentation to me to prove/invalidate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call often, using various numbers, even local numbers, making me think it 's school ( XXXX young children ) or work related. They never call using XXXX or XXXX number or company name on caller ID. They wont respond, or talk to me, they keep reading 'script '

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: Convergent Resources, Inc.
State: IL
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:
This is a New Complaint filed on XX/XX/XXXX. 

I am extremely distressed that you have continued to report fraudulent reformation. For well over 4 years. You guys have Included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The last response I received on XX/XX/XXXX is as Quoted, On XX/XX/XXXX, XXXX placed this account in our office to collect a balance of {$570.00}. We sent you a validation notice on XX/XX/XXXX. This notice included your right to dispute the balance owed. To date, this complaint is the first communication we have received on behalf of this account. In response to your complaint, this account has been placed in a disputed status and collection activity has been suspended. We will obtain validation from our client. Once this information has been obtained, we will mail the documents to you. It is Convergent Outsourcings position that this account will be updated to the credit bureaus with accuracy as disputed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed especially given this process has lasted while over 5 months & I have received little to no communication from you guys which is highly unprofessional. If you are unable to provide me a copy of verifiable proof bearing my SIGNATURE. It must be removed immediately. Thank you in advance!

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 2022-01-07
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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account with Suntrust was closed over 30 days ago with all my money In it. I have not received a letter by mail and everytime I call no one can tell me whats the issue or when I will receive my money. Its not fair all my hard earned money is gone from both my checking and savings, I need to pay my bills.

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 2018-01-17
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:
Multiple attempts to request action to prove and or remove delinquency to no avail

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 2022-08-13
Company: The Best Service Co.,Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
2 Collection accounts are being reported, but I was never given any type of notice of adverse action from the original creditor, nor The Best Service Company. I have notified the company with the following information : " I, XXXX XXXX, am a Consumer/Natural Person. Best Service Company, you are a debt collector identified in the Fair Debt Collection Practices Act pursuant to Title 15 USC 1692a ( 6 ). It has come to my attention and understanding that The Best Service Company has violated my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to Title 15 USC 1692c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. I demand, per title 15 USC 1692c ( c ), that you cease all further communication through ALL and ANY MEDIUM except for communication of remedies for XXXX XXXX, the consumer and natural person, via MAIL ONLY. "

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 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I placed a freeze on my credit report 1 year ago due to identify theft I have not applied for any new credit however my transunion credit report has several new inquires in the last year. I did not authorize any of these inquiries.

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 2022-03-29
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Every 30 days since XX/XX/2021 I have written to the bureau advising them that my personal information is incorrect but they still have not made the corrections. With every letter I include my GA state ID and my social security card as proof that : My name is XXXX XXXX XXXX. Any other variation of my name is unknown and unless it can be verified should be removed. 

My only address is XXXX XXXX XXXX XXXX, GA XXXX. Any other address is unknown and unless it can be verified should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX Account : XXXX Reason : Delete this unverified and inaccurate 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 non-monetary relief