BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX  XXXX Balance : {$7200.00}

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 2020-12-09
Company: Consumer Adjustment Company Incorporated
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:
On XXXX XXXX, 2020, Consumer Adjustment Co add a derogatory marks on my credit reports perXX/XX/XXXX and XX/XX/XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Consumer Adjustment Co has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account is on a 180 day hold which is closed for no reason and they will not help me get my account back and I havent got no response yet from months and this happened last year in XX/XX/2020 so I been waiting to get withdraw my money from the account which I have at least XXXX in the account my PayPal account name is XXXX and email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Tulsa Adjustment Bureau
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XX/XX/2021, I checked my credit report and noticed a negative mark labeled " Collection '' added by TAB Services. The " Original Creditor '' was labeled as " XXXX XXXX '' which is a suspiciously vague name. I immediately sent a letter to TAB Services using the address listed on my credit report requesting formal validation of debt ( see Exhibit A ). 

On XXXX XX/XX/2021, I received a letter from TAB Services in response. However, the letter only provided a limited amount of information from my written request. The information provided could have been manufactured by anyone. There was not enough information to determine whether this debt was legitimately mine and whether this company has the legal right to collect this debt. ( see Exhibit B ) On XXXX XX/XX/2021, I mailed a second envelope to TAB Services containing two letters ( see Exhibit C, Exhibit D ). 

In these two letters, I requested the missing information from my initial validation letter including the method of verification used by TAB Services. 

I received no response from TAB Services and on XXXX XX/XX/2021, I checked my credit report and found that the balance was updated by TAB Services on XXXX XX/XX/2021. 

My request for proper and complete debt validation is my legal right and it's being ignored by TAB Services. 

This collection must be removed from my credit report unless TAB Services can provide complete validation of 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 2020-06-06
Company: WELLS FARGO & COMPANY
State: SC
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:
In XX/XX/2016 we cancelled this credit card with XXXX  XXXX XXXX with no balance or over due balances. The Bank is showing we are 30 days late in XX/XX/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 2017-11-30
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: Information belongs to someone else

Complaint:
I notified this company that this account does not belong to me and submitted a police report, which also proved this account is not mine, but they have not removed it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt owed of {$280.00} however its still reporting negative on my credit report. Debt has already been paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I mailed certified letters to XXXX at XXXX XXXX  XXXX XXXX, TX XXXX disputing proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said I owe. I recieved a letter from XXXX  on XX/XX/XXXX stating that this account was validate without any proof. I also noticed that XXXX updated payment history from XX/XX/XXXX to XX/XX/XXXX. It appears that XXXX did not conduct a proper investigation, they just changed things on my report and were unable to provide proof Under the Fair Debt Collections Practices Act ( FDCPA ), validation of the debt they said I owe. Please see the below information, along with my attachments. 

Company Name : XXXX XXXX XXXX Partial Account # : XXXX Social Security : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Navient Solutions, LLC.
State: NC
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:
Cfpb I am making a complaint about NAVIENT SOLUTIONS and they also have another name dep ed navient they are charging double interest which doesnt add up and is not agreed this is why I sent a dispute for inaccuracies it's not right under the fcra and violation of the statue of limitations. I will show proof as I upload documents. This must be removed due to fradulent increase of same amount and reporting inaccuracies of information. I also ask for proof of any promissory note and all original documents with my signature I have not recieved or gotten any proof of it.. I heard they have gotten Sued before because of this.. I am very unhappy about this situation and will do my best to proceed with litigation if theres no removal from this company I am ready bring it on I have all my documents to show in court if we have to take it that far my first step is to report to cfpb first before making any decision for litigation. 
Thanks cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX received my payment of {$1400.00} on XX/XX/2018. XXXX   has investigated and has updated my credit report and credit score. 

TransUnion and XXXX has not been updated by XXXX. Disputes were submitted, but results aren't complete. XXXX is refusing to report my payment to 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 2019-04-02
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:
XXXX XXXX XXXX  XXXX I have never opened an account with this company. This company is seriously impacting my ability to get a job, and the bureaus is not maintaining fair accurate information. This company also fraudulently pulled my credit without my consent.

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 2019-04-02
Company: SUNTRUST BANKS, 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:
1. Two employees at SunTrust bank said that my mother did not have an account with them in XXXX XXXX of XXXX. 
2. We did not receive any late notices until XXXX of XXXX we received a notice of right to cure default {$6600.00} due on the XXXX. 
3. We called SubTrust and spoke to employee XXXX, then XXXX I asked if we could have paperwork on the account and was told there wasnt any paperwork it was their mistake and we would never hear from them again, Monday XX/XX/XXXX. 
4. On XX/XX/XXXX we recieived a letter from a debt collector attorney representing SunTrust a XXXX XXXX, I told him I wanted to see paperwork was that too much to ask he said no I asked if he could send it to me he said no not if I wasnt going to do anything he wasnt going to waste his time, I said ok I will and then it came in a summons on XX/XX/XXXX and there was a promissory note that I had not seen before. 
5. I filed a complaint with the attorney general office and a representative from SubTrust called me XX/XX/XXXX, she said we would hear from them in 15 days or less, I have called their team to find out if they have any paperwork on the account and they are still working on it, we just need some answers to save our home

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 2018-08-30
Company: CL Holdings LLC
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: Old information reappears or never goes away

Complaint:
XXXX XXXX is reporting closed and paid accounts as still open. This is still having a negative effect on credit score. They are using too many accounts with balances that are paid off and closed to deny credit. Derogatory public records or collections filed. Too many accounts with balances. Proportion of loan balance to loan is too high. After reviewing my credit report I noticed several errors. XXXX XXXX is reporting all accounts including loans paid off and no longer active as total dept and balances. They are reporting to lenders that I have to many derogatory comments and collections. The credit reports show only 2 collections filled against my report. One for {$180.00} and one for {$780.00}. They are reporting too many accounts with balances. That is because they are not telling lenders accounts that are closed and paid in full as open accounts with balances. They a reporting the wrong income to ration ratio on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: EQUIFAX, INC.
State: MI
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:
I have disputed three ( 3 ) accounts from XXXX XXXX more than three ( 3 ) times with Equifax, XXXX  and XXXX. These accounts are listed as : XXXX XXXX : {$580.00} XXXX XXXX : {$610.00} XXXX XXXX : {$400.00} XXXX XXXX is reporting this inaccurate information to all three credit bureaus. I have the right to a fair and accurate credit report,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Great Lakes Capital Management, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted yesterday, XX/XX/XXXX, by a company named XXXX XXXX XXXX XXXX claiming i was going to be served papers today,XX/XX/XXXX, on an account that went delinquent in XX/XX/XXXX if I did not agree to take action immediately. Since XX/XX/XXXX, I enlisted in the XXXX XXXX in XX/XX/XXXX. During my service, I underwent an investigation to obtain a security clearance and was forced to take care of all debt on my credit report. To the best of my knowledge, I had 3 accounts that I called and settled. None of those accounts were this account that I'm being sued for. I was able to obtain my clearance meaning my report was cleaned up and I was out of delinquency in all accounts. I got out of the XXXX in XX/XX/XXXX and have since then purchased two vehicles and a house. None of these transactions reflected a delinquent account with XXXX XXXX. I was unaware of this 'delinquent ' account until yesterday and feared being sued in court. I agreed to set up a payment plan with the first payment being withdrawn from my account in 2 weeks, XX/XX/XXXX. I do not know what to do at this point. I feel as though this is a scam to collect an expired or time-barred debt. 

Original account number : XXXX Original Creditor : XXXX XXXX Total Balance : {$1200.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/19, we visited the XXXX Branch of Chase Bank where my Grandmother is a customer. She needed to withdraw some money from her account and also add me to her account so I can help manage her finances. We had a printed Power of Attorney that we also needed notarized. The Branch Manager at the location named XXXX XXXX NMLS ID:XXXX was very rude and refused to notarize our document or help add a signer to my Grandmother 's account. He caused a scene in the lobby of the bank. This kind of treatment from a Branch Manager or any employee in general is totally unacceptable. I will also be filing a complaint with his supervisor named XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Capital Accounts, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Capital Accounts never contacted me whatsoever about this debt they think I owe and then began to assess fees on the debt which has dramatically negatively impacted my credit score. 

My credit report ( that I had to pull to even discover this company 's actions against me ) shows the date opened as XX/XX/XXXX but that the debt was first reported XX/XX/XXXX with a {$490.00} balance. They began to assess fees against the debt in XX/XX/XXXX and have continued to report that to the credit agencies. 

I received no notice of my rights to dispute the debt from their company. I received no notice of anything from this company. I had to undertake sending a dispute letter to them after discovering the nearly 70 point drop in my credit score. 

Absolutely ridiculously unprofessional and likely illegal behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to lift my credit freeze with XXXX, XXXX, and Experian, but I do not have a pin number, I was never sent one. I also can not get through to these three agencies and speak to a live human being about this. Please help me. 

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 2018-10-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
My school refund in the amount of {$1600.00} what is released to American Express Bluebird for direct deposit and should have posted to my account today XX/XX/2018, yet it has not posted, and when you try to call the bluebird customer service number on the back of the debit card there is no option to reach a representative, the only way to reach a customer service rep is to choose the option of reporting the card lost damaged or stolen, then after choosing that option it transfers you to a line that has a busy signal that hangs up on you completely disconnecting you from their line leaving customers unable to reach a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was unsuccessful in receiving proper attention to three fraudulent activities on my Chime account. Attached you will find my replies to them as well as their reasons to why they do not believe me. I truly think they are absurd and really did not look into the activities that was ran within the time frame. I was told from an associate that my card information was ran and denied over 10 times until this person was successfully using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: EQUIFAX, INC.
State: NC
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:
Cfpb I am making a complaint about XXXX XXXX and they also have another name XXXX   XXXX XXXX they are charging double interest which doesnt add up and is not agreed this is why I sent a dispute for inaccuracies it's not right under the fcra and violation of the statue of limitations. I will show proof as I upload documents. This must be removed due to fradulent increase of same amount and reporting inaccuracies of information. I also ask for proof of any promissory note and all original documents with my signature I have not recieved or gotten any proof of it.. I heard they have gotten Sued before because of this.. I am very unhappy about this situation and will do my best to proceed with litigation if theres no removal from this company I am ready bring it on I have all my documents to show in court if we have to take it that far my first step is to report to cfpb first before making any decision for litigation. 
Thanks cfpb

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove these inaccurate 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. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Bal : {$2200.00} XXXX. XXXX Account Number : XXXX Bal : {$1200.00} XXXX. XXXXXXXX XXXX Account Number : XXXX Bal : {$3300.00} XXXX. XXXX XXXX Account Number : XXXX Bal : {$3300.00}

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 2018-03-22
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from Convergent which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.

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 2019-04-02
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX reported inaccurate account balance for account number XXXX on my XXXX, Equifax, and XXXX credit report. I filed a dispute with this bank and the three above credit beaus on XX/XX/19 because I paid this balance in full. Nothing was done and they are still report a balance of {$400.00}.

Company response to consumer: Closed with explanation