BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-25
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: Account status incorrect

Complaint:
Experian has ignored and caused intentional harm to me personally with the accusations listed on my report from a fraudulent company. 

Source : https : //studentaid.gov/announcements-events/dream-center The U.S. Department of Education ( ED ) issued a letter on XXXX XXXX, 2019, to the federal receiverwho has control of XXXX and its financesand the chairman of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which owns XXXX. The letter informs the receiver and XXXX that ED has denied the pending application for the change in ownership and the related request to convert XXXX from a for-profit to a nonprofit institution for the purpose of participating in the federal student aid programs. ED took this step because XXXX does not meet certain standards, including administrative capability, financial responsibility, and the institutions duty to use federal student aid program funds only for their intended purpose. XXXX  failure to pay credit balance refunds owed to its students and parents demonstrates that XXXX can not meet the required standards. 

This denial decision applies only to the following institutions owned by XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX University XXXX XXXX ( XXXX XXXX  ) XXXX XXXX, CA XXXX University XXXX XXXX XXXX XXXX California 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 2018-11-01
Company: Bull City Financial Solutions, Inc
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : I am member of a credit monitoring service. I received an alert of a collection that was put on my report. It was a collection from Bull City Financial Solutions in reference to an old credit card through XXXX XXXX XXXX XXXX for the amount of {$9700.00}. 
This needs to be removed ASAP! I am not responsible for this debt. My ex-wife is responsible. 

Back in XX/XX/XXXX of this year XXXX XXXX XXXX XXXX sued me for the debt. In turn, I counter sued my ex-wife. She contacted XXXX s attorney and made an agreement with XXXX XXXX XXXX XXXX. At the hearing on XX/XX/XXXX, XXXX XXXX XXXX entered her Judgement and requested that I would be dismissed of the obligation. 

I have attached a copy of the civil judgement order showing the claim against me is DISMISSED. 

Bull City verified with the original creditor " XXXX XXXX XXXX XXXX '' that I have been released from the debt back in XX/XX/2018. They removed it from my credit and in the last few day re-posted the collection to my credit. When I called them, they clearly said they further reviewed it and I am still responsible to pay them before they will remove it. I can give them a credit card to cover the amount of the collection. This makes it illegal. Clearly knowing I am not responsible for a debt and they are trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Google Compare Credit Cards Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I have a problem with Google and a lot of people have the same problem with the company. Google has a monopoly in many fields and because there is no competitor to it, it subjects us to two unfair laws and takes away legitimate rights. 
My problem with Google Ads, I have a lot of problems with them and because Google is the only dominant company in this field At first, I had a Google ads account and it was working fine and everything was fine I spent approximately XXXX USD, and on the XX/XX/XXXX, I checked my account and checked a message that appears in the account. The message content is ( Your account has been suspended. Your account violated the " Unacceptable assets in commercial activity '' policy. ) Knowing that I did not reside for violating the policy, however, I wrote to Google on XX/XX/XXXX in order to try to solve the problem. 
Knowing that I did not reside for violating the policy, however, I wrote to Google on XX/XX/XXXX to try to solve the problem, and the company responded to me on the next day and this was the content of the response ( your account was suspended on " Google Ads '' due to its non-compliance with the " misleading content and information '' policy " Missing '' that we put about the unacceptable assets used in the business. ) The company imposed a penalty on me and banned me from creating any other ads computer for life I did not break the law and the company punished me If you broke the law Why didn't the company send me a notice and give me a call in order to fix the mistake? 
Why did the company close my account when it contained money and did not return my money? 
Why was I permanently banned when they didn't send me any prior notice? 
Why did the company stop responding to any message from me? 
I have another problem. I have a lot of invalid clicks, and with this you did not return me the money for these clicks. The rate of invalid clicks is 53 %, but with this you take your right to the fullest and do not return anything to me I hate contempt, all my work has stopped, I have lost a lot of money and have had problems with clients

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Discover has Called me XX/XX/2018 - 5 times : XX/XX/2018 - 4 times : XX/XX/2018 - 4 times : XX/XX/2018 - 4 times ( this is Saturday ) XX/XX/2018 - 5 times : XX/XX/2018 - 6 times 1 : XX/XX/2018 - 7 times .... All and more are on my phone record through XXXX XXXX XXXX - I Missed payment this month on the XXXX and can not pay until I was paid on XX/XX/2018. Called this morning XX/XX/2018 to submit payment but asked why the are calling me so much due to a missed {$50.00} payment. Asked if the call was recorded for my sake. The employee hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 disputed this collection on this XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.

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 2018-06-20
Company: Informative Research
State: CA
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:
A company known as informative research based in XXXX XXXX California ( XXXX ). Pulled my credit four ( 4 ) times. Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I hired a company called XXXX XXXX which provided me templates to mail and dispute. These items. The responses I received requested more information as they claim to be a 3rd party. To date I havent been able to determine where these particular inquiries came from, or why they pulled my credit 4 times in 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: Experian Information Solutions Inc.
State: HI
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 disputed this collection on this XXXX XXXX XXXX for months.Experian and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2021-06-25
Company: EQUIFAX, INC.
State: AL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
I had a credit card with XXXX XXXX XXXX with a balance of {$2500.00} including costs from Gurstel law firm. The credit card debt with XXXX XXXX XXXX was discharged in a Bankruptcy Chapter XXXX. Gurstel law firm got a judgement against me to garnish my wages. This credit card debt was discharged in a Chapter XXXX Bankruptcy. I've called several times to inform of the bankruptcy. I even left 2 messages informing of the discharged credit card debt. Needless to say Gurstel law firm has not responded appropriately to the improper charge on a discharged credit card debt. The fraudulent action to use the court system to collect debts is  unlawful to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
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: Public record information inaccurate

Complaint:
CRA ... TRANSUNION AND XXXX ... REPORTING INCORRECT " XXXX '' DATA INFOR AND NOT MY ACCOUNTS, NEVER HAD ANY PUBLIC RECORDS, REMOVE BANKRUPTCY FROM FILE, SAME DATA REPORTED 2X ON FILE, OUTDATED INFOR ON FILE, VIOLATES FCRA PROVISION 604,605,607,611 AND 623

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 2018-10-08
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted by a phone number at XXXX on Thursday XX/XX/2018. I returned the phone call to see what it is in regards to, the represenative asked if I was a particular party in which I told them I was not. I told the individual that I did not know who this person was and to stop contacting me. The mentioned that " this is an attempt to collect a debt and we will use any information to do so '' or something along the lines of that. Presumably this is a debt colector calling me about someone else 's debt in which I have no correlation to. After I mentioned to stop calling, more frequent calls came in, violating my rights as an American.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2021 I sent a letter with regard to I am distressed that you 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 following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2021 I sent a letter with regard to I am distressed that you 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 following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof

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 2020-08-23
Company: Convergent Resources, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AXX/XX/XXXX I was billed for a XXXX XXXX Account that I never opened. XXXX had told me that they will close the account and send it to internal fraud. But, they sent it to collections. I later spoke with XXXX and Convergent ( debt collector ) several times. Convergent said they will close it. But I recently, XX/XX/XXXX, received two letters saying will settle for a reduced amount. This debt needs to be closed and 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 2018-07-12
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XX/XX/XXXX I took out a spousal consolidation loan. The original balance was {$50000.00} with monthly payments of {$220.00}. The loan was a graduated loan that went from {$220.00} to {$900.00} and I was unable to pay the loan as I and my wife were working for XXXX. 


The loan went into default and the balance was accelerated from {$50000.00} to {$160000.00}. The current balance includes {$48000.00} in unpaid interest and over {$60000.00} in fees. 


My wife and I divorced in XXXX but the spousal consolidation can not be divided. My original student loan debt was {$17000.00} and my ex-wife balance was {$23000.00}. 


The terms of the spousal consolidation loan were not clear. The fees charged are usurious in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2018-06-20
Company: NCC Business Services, 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 information incorrect

Complaint:
I have a judgment on my account for ( Eviction ) account overviews youve paid off 0 % of your collections amount balance {$3400.00} highest balance {$3400.00} opened XXXX XXXX ( 4 yrs,6mos ) account status. Open type collection Responsibility Joint.remakrs account information Disputed by consumers meets FCRA requirements.original creditors name XXXX XXXX XXXX XXXX closed No info NCC Business service XXXX XXXX XXXX XXXX, Fl XXXX..the civil judgment above I have asked for proof o account ( validation ) proof of a signed lease etc, bring that I know there is not one I have not been furnished with anything .i am aware that as of XX/XX/2017 all civil judgment should have been removed from credits reports in which this one have not.i am requesting that this judgment be removed indefinitely. I have contact the credit bureau and disputed the account as well with no resolution ( the three credit bureaus, XXXX, XXXX  and XXXX, as part of a lawsuit settlement with various states Attorney Generals, agreed to the creation of the national consumer Assistance plan ( NCAP ) for companies that used credit reports the biggest change will be in the decreased reporting of public records, specifically Tax liens and civil judgments such as forcible detainer and unlawful detainer judgment and thus they will disappear from credit bureaus reports in XX/XX/XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
The XXXX XXXX XXXX is reporting that I was 90 days late on my student loans in XXXX 2011. I have mailed letters and have contacted The XXXX XXXX XXXX numerous times to discuss this issue. They did not respond to any of the certified letters that they signed for, and on the phone I was transferred repeatedly and would be hung up on. I would call back and this would happen again. <P/>I have asked repeatedly that The XXXX XXXX XXXX provide me with a copy of the cancelled checks that show this payment was made 90 days late in XXXX 2011. The XXXX XXXX XXXX do not respond to my requests and have not provided me with proof that this student loan was paid 90 days late in XXXX 2011. <P/>I have asked that if the The XXXX XXXX XXXX is unable to provide me with the proof ( cancelled checks ) that they remove this inaccurate information that they are reporting to the 3 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 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have contacted the bureaus and creditor about this account and provided them details on how it's being reported inaccurately, but nothing has changed since then.

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 2018-02-23
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My debt was first sent from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and was settled at a 20 % discount ( original amount due {$200.00} ) for {$160.00} in. However, proper documentation was not made and it was then sent to another collection agency, XXXX XXXX XXXX. I notified them that the account was settled however, it was then passed onto Midwest Recovery Systems. Midwest reported it to collections and I have a derogatory mark on my credit report. I received documentation that the account was paid marked XX/XX/2016 from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation