BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-13
Company: Phoenix Financial Services LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PHOENIX FINANCIAL SE XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX USA This company put a collection on my credit report in the amount of XXXX for a XXXX XXXX XXXX XXXX. I do not owe this debt as I get my healthcare from the Department of Veterans Affairs. This company has the wrong person, and this company needs to remove this collection within 3 business days or I'm going to send to the attorney generals office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not disputing anything on my credit report as of today. Please open my credit file if you still have any type of block on it thank 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 2017-09-21
Company: Navient Solutions, LLC.
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:
I am a university graduate with federal student loans that are being managed by Navient. Since graduating five years ago I have consolidated these loans and have made all my payments to keep those loans in good standing on an income-based repayment plan. This spring I received the annual reminder from Navient that I needed to submit copies of my federal income tax return for XX/XX/XXXX and an income-driven repayment plan request for my annual recertification. The due date was approaching, but I was in the middle of a move and a job transfer, so I called Navient to make sure they were going to receive the materials on time if I mailed them. I spoke to a representative who looked at my account information and told me that there was actually a window of a couple of months for me to get the materials to them, so I had plenty of time and not to worry. Though the auto-generated letters had due dates on them, the forms I was filling out did not, so I took the agent at her word and mailed the documents a few weeks later. 

OnXX/XX/XXXX I went online to schedule my loan payment for the month, and my minimum payment had more than tripled to over {$1500.00}. In addition, the interest on my loans had been capitalized which means that {$13000.00} of accumulated interest has now been added to the principle loan amount. I called Navient on XX/XX/XXXX and the first representative told me they had the paperwork for my annual recertification and it would take them a few weeks to process it, after which the minimum payment would go down ( which it now has and I have scheduled my payment on time ), but there was nothing they could do about the new principal balance. I then spoke with a manager ( XXXX, XXXX XXXX : XXXX ) who kept insisting that federal regulations would not let them change the principal, what was done was done, and that it had been done because I had let the status of the repayment plan lapse. I asked to speak to a supervisor and was told that their answer would be the same, but that they would call me back within 2448 hours. Over 48 hours later I have received no communication from Navient. 

The misinformation I was fed has increased the balance of my loans by roughly 10 %, which will increase the interest on my loans for the next x number of years that Im repaying them. After contacting Navient in good faith in order to keep my loan status in good standing, and then being misled by Navient, this seems an extremely unfair burden for me to shoulder.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was compromised last year and an XXXX XXXX XXXX phone was purchased under my name and SS # on XX/XX/XXXX, by someone in XXXX, Texas. I was not aware until Credence Resource Management ( debt collector ) called. I submitted the police report, completed the fraud package and was told the issue was resolved. In XX/XX/XXXX I was notified by XXXX XXXX  ( XXXX XXXX XXXX XXXX ) that my credit was hit with debt collection report by Credence. I called Credence several times with no response to my inquiry. It appears that they opened a new case and are requesting payment for the {$970.00} debt from XXXX XXXX XXXX for the fraudulent purchase. 
Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Ref # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Fraudulent account : XXXX XXXX XXXX. 
# XXXX XX/XX/XXXX18 Fraudulent inquires : XXXX XXXX /XXXX XXXX/XXXX/XXXX XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/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 explanation
Consumer complaint received 2023-01-29
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hi By Wednesday the XXXX of XXXX, I received the amount of {$950.00} first {$600.00} and then {$350.00} from XXXX XXXX ( XXXX purchase XXXX XXXX ) I never even have as a pending funds in the cash app-app account who i need to open to received the purchase price, but I received a email after that i need to send the phones and send tracking number who they can release my money so i think is not to crazy, but after I send the founs and give the tracking number I received another email from cash app support, requesting another {$700.00} to proof for to extend my liability to received more money since I have a new account. I sent the {$700.00} to her with gift cards and follow all the rules by this point I contact cash app customer service line ( searched in XXXX the number to contact them ) and the people who I talking thru i believe the real people told me that yes! the have that policy and i will need to continue! " in a recorder line ) XXXX, then I received another email that I need another {$300.00} with gift cards again, then when apparently everything is concluded. If I want to access my fund I need to send {$50.00} by XXXX ( I already report that XXXX account to my XXXX XXXX back the email that they are using is : XXXX and also they keep telling me to this one : XXXX for fees to express funds. when I think everything is done and by this point that lady has {$1000.00} dlls and the phones that I sent to her. I don't have anything!!!! and I received another email from Cash app that I need to pay {$200.00} in taxes because " customers '' all transaction was inside the XXXX nothing have to be with " customs ''. so they Fraud me with {$2100.00} even I think they will stop today they keep asking for {$100.00} dlls. I contact cash app since the first time that I don't have a good felling about this but honestly to this point or that app work with Fraud people or they al a XXXX CASH APP!!! they customer service are the worst people who I can even talk in my live they did not help at all they answer my emails with 24 hours of delay with pure excuses, One of the times I call the guy tell me you needs to send all that money so we can release your money. Please help me!!! I will attached all emails and communications thank youXXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX is reporting inaccurate information on my credit report. I agreed to pay a settlement amount on a past due balance for deletion or positive reporting. However, it has been 4 months since I have paid off the account, and it is being reported negatively on my credit reports. The status shows delinquent and is reporting as " failed to pay '' during the months I actively paid off the balance. I paid XXXX weekly from XX/XX/2018 to XX/XX/2018 to collection agency XXXX XXXX on behalf of 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 explanation
Consumer complaint received 2020-10-18
Company: National Credit Systems,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:
Credit Repair company has sent letters off on my behalf, but the collection agencies have not responded, corrected inaccuracies, or verified the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I cant open a bank account no where because Bank Of America have that I owe them {$5600.00} and that I did fraud with them on my consumer report this is false Ive tried to dispute and tell them that I had nothing to do with that and I want it off my record.

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 monetary relief
Consumer complaint received 2023-07-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Each time that I am notified that I have mortgage docs to review, unlike XXXX, where I can choose to read, but not sign, the system at JP Morgan Chase states that I have signed whatever it has sent through its secure system. This has been going on since XXXX XX/XX/2023. I currently have been notified that there are docs, but given the above, I can't see what they are lest I be deemed to have agreed to whatever they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Paypal Holdings, Inc
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My XXXX VISA card was charged on XX/XX/2020, {$880.00}, {$500.00}, {$600.00}, {$600.00}, and refunded {$880.00}, by VENMO. I dont have a VENMO account, so they wont tell me anything. My Credit Union wont deal with it because VISA wont give them more than two months of statements. VISA wtold me my credit union deal with it. Everyone is passing the buck and not taking seriously a {$1700.00} theft from a senior citizen. I need government intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: U.S. BANCORP
State: WI
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:
I recently pulled a copy of my credit report and found that XXXX  is reporting the a delinquent account that is past the 7-year reporting time as allowed under the Fair Credit Reporting Act. Furthermore, upon review of a copy of my credit report from years prior to today, Elan Financial Services had re-aged account in XX/XX/XXXX to reflect a now date of delinquency date of XX/XX/XXXX and this is specifically a violation of the Fair Credit Reporting Act which could result in a civil penalty of {$2500.00} per violation. The date of delinquency date has changed numerous times hence why the other 2 bureaus removed the account earlier this year. However, I have a printout of my credit reports from XXXX and that date of delinquency was being reported as XX/XX/XXXX. Nonetheless, the account should be deleted 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 non-monetary relief
Consumer complaint received 2022-10-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XXXX i was a victim of Fraud i reported it to the XXXXXXXX XXXX XXXX After that ive noticed account on my Personal Credit Report. I sent in the Police report to the 3 credit Bureaus with the accounts in question that needs to be removed but for some reason they want remove said account ive been going back & Forth with XXXX, Equfiax, & XXXX for 8+ Months with minium removals & XXXX sent a letter saying it want investigate any further & Sending all the stall type letter to me. 
This has started to be very stressful. I thought XXXX, XXXX XXXX Equifax was here to help the consumer i guess not, so now i reaching out to you the FTC/ CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-06-01
Company: Midwest Recovery Systems
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I ran a credit report for myself and noticed a collection from Midwest Recovery System ; collecting {$650.00} for XXXX XXXX XXXX. I took a payday loan from XXXX XXXX XXXX in XX/XX/XXXX, and paid in full on XX/XX/XXXX. I have had this account pop on and off of my credit report for the past few years ; and in trying to contact Midwest Recovery System I have received XXXX  replies from email correspondence and been hung up on when contacting via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions Inc.
State: WI
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:
I recently pulled a copy of my credit report and found that Experian is reporting the a delinquent account that is past the 7-year reporting time as allowed under the Fair Credit Reporting Act. Furthermore, upon review of a copy of my credit report from years prior to today, XXXX XXXX XXXX had re-aged account in XX/XX/XXXX to reflect a now date of delinquency date of XX/XX/XXXX and this is specifically a violation of the Fair Credit Reporting Act which could result in a civil penalty of {$2500.00} per violation. The date of delinquency date has changed numerous times hence why the other 2 bureaus removed the account earlier this year. However, I have a printout of my credit reports from XXXX and that date of delinquency was being reported as XX/XX/XXXX. Nonetheless, the account should be deleted 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 2023-05-02
Company: Experian Information Solutions Inc.
State: NM
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
This complaint has to do with an auto loan through Bank of America. On XX/XX/2021 we paid off our auto loan due to Bank of American in the amount of {$2800.00}. Bank of America also deducted our auto payment on the loan the same day in the amount of {$360.00}. A paper check was issued in the amount of {$370.00}. On XX/XX/2021 our account became overdrawn because Bank of American withdrew another {$370.00} for the auto loan which was paid off in XXXX. After a phone call the money was electronically returned on XX/XX/2021 and we were told the electronic payment was turned off. On XX/XX/2021 Bank of America has again taken {$370.00} from our account. We no longer have a loan and therefore do not owe the bank any money. The bank is now holding our money claiming that the burden of proof is on us to demonstrate we have not received the money. We can not get them to release the funds back to us or agree to repay the money. We have no account with them whatsoever and they have illegally taken money from our account. We need assistance.

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 2023-03-24
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions 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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA 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 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 explanation