BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
So I get this lady pounding on my door so I didnt answer it. The. 5 minutes later pounding again so I opened and said hello she attempted to hand me some papers dropped them and said are you mr blank blank and was gone before I could say a thing so I picked papers up off the ground and apparently they are suing me for XXXX and I must show up before the XXXX. Th in this court Im so lost and have no idea what is going on I know there was a debt I dont believe the amount is correct but I have no clue who the lady was and to be repeatedly pounding on my apartment door at XXXX then again at XXXX is ridiculous. Then drop the papers and run away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Credit Karma, LLC
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$8700.00} Closed Overview You've paid off 0 % of the original amount. 

Balance {$8700.00} Highest Balance $ XXXX Monthly payment No Info Opened XXXX. XXXX, XXXX ( 4 yrs, 9 mos ) Term 72  months Payment History Youve made 18 % of payments for this account on time. 

Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Remarks Consumer disputes this account information Charged off account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: National Medical Administrators, Inc
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Modified excerpt of that sent to additional parties XXXX XXXX : Received a letter : Listed numbers : XXXX, XXXX, Fax : XXXX Described an invalid charge for XXXX Internal account number that company assigned as XXXX Representatives of that as company identified that company as : National Medical Administrators I did not make commitment for any additional purchase Someone fraudulently stated that I did not cancel some recurrence of charge for products not received and that company intends to attempt collections : for products not received nor necessarily purposeful Do flag and reject that attempt if it appears and contact me with any questions prior to and immediately upon any attempt The letter requests contact within 30 days of XXXX XXXX. 

Where here XXXX  website format was not effective and link referral resulted ; Original statement : Hello, I received a letter from something called " National Medical Administrators , Inc '' ; Listed number XXXX, XXXX ; Fax XXXX, describing an invalid charge for XXXX and the internal account number that company has assigned as # XXXX. It is likely that company purchased my contact information from a source I did not consent to the sale of to, nor transfer of that information to, nor did I make commitment for any additional purchase beyond a single order ; ( That purchase was atypical because it was some commercial XXXX XXXX  and XXXX  with no effect I did not much use and am not required to return to that company, as payment for that single order was made. ) I did not immediately purchase the item ( s ) after seeing the questionable product and marketing scheme/method/ presentation ; No charge has been made to my card. Either way, when someone called, that person fraudulently stated that I did not cancel some recurrence of charge ( for products not received ) and that company intends to attempt collections. Do flag and reject that attempt if it appears and contact me with any questions prior to and immediately upon any attempt ; The letter requests contact within 30 days of XXXX XXXX. I may send that company this except and am certainly notifying other parties ... '' In regard to below described CFPB publication consent : Upon submission, consent is granted for the intended published use by the CFPB, only as containing content necessary for the average consumer to make a prudent decision ; And that excerpted content only be made available for public view with removal of all what may be described as personally identifiable information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
{$140.00} tried to be collected, placed on XX/XX/2014 I called you verify if I had any open accounts at the hospital listed and it says that I have zero accounts. The collection agency threatened to get a lawyer from 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 2020-01-31
Company: EQUIFAX, INC.
State: NV
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:
Hello, My name is XXXX XXXX. My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, and inquiries that do not pertain to me and I are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 


INQURIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ( XXXX  XXXX- {$280.00} )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05
Company: CITIBANK, N.A.
State: NY
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 called CBNA customer service to advise them that I did not inquire anything or apply to any cards or loan with their company. The representative gave me an adress. I mailed them a letter and yet havent received a response.

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 2018-01-30
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: Their investigation did not fix an error on your report

Complaint:
I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX  California XXXX Federal Tax Lien IRS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Sterling & Associates, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was called on XX/XX/XXXX and told if I didnt pay this debt by the end of the business day, I would be arrested by my sheriffs office. 

I let them know that I had {$220.00} to my name because Im unemployed and I have them {$200.00} of that. 

This is a debt that is close to 12 years old and has tried to be rectified one other time. No one needs to be threatened. 

I paid {$200.00} immediately and set up a payment plan for {$410.00} that would be paid on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX, I received a message to call them to confirm my next payment.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-02
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my balance of XXXX and they put it on my credit report after they cashed the check and then said that I owed XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Diversified Consultants, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I dont owe any money to XXXX. I left them months ago with a XXXX  balance. I left at the end of my contract with everything paid off. I keep getting calls constantly and its getting old. Please stop trying to collect something I dont  owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found a debt from XXXX XXXX XXXX XXXX on my credit report. I sent a Debt Validation Request to the company on XX/XX/2017 via return receipt mail. The company did not reply.

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 2022-08-09
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 years ago, my personal information was stolen - social security card, XXXX XXXX credit card and California ID. I filed a police report with the XXXX police department, due to fraudulent transactions and cash advances connected to my XXXX XXXX account. They were able to gain access to my XXXX XXXX account using my personal information. I was able to dispute the fraudulent transactions, but then my log-in information to my XXXX XXXX account is was changed and cash advances were being made. My credit card was maxed out on XX/XX/XXXX. Additionally, another fraudulent account was opened under my name through XXXX on XX/XX/XXXX and maintained a balance of {$930.00}.

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 2019-01-07
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
When I took out the loan, I was told that I'd be able to reamortize the loan if I made a substantial payment on the loan. I made a substantial payment on the loan ( over 50 % of the principal ) and called to ask to have the loan reamortized, when I was told this was not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
For a considerable time ( several years? ) Transunion had been reporting my credit score as well below the others ; some 23 points below XXXX, when they both use VantageScore 3.0 to calculate the scores. 

For a point spread to be that large, there has to be something significantly different in these two credit reports, which there is NOT! I called Transunion for an explanation, but all they could tell me was that " Maybe '' it's this, or " Perhaps '' it's that, with no real accountability for the lower score Obviously, this effects my credit and my ability to secure credit at a reasonable rate. Since the Credit Bureaus have so much power in controlling our finances ( and the cost of it ), they should be held to a higher standard of accountability ; NOT the mush-mouthed " maybe this or that '' response that I got! I want HARD ANSWERS to this question!!! If they're going to cost me more to obtain credit, based on thier credit score,, then they'd better have a XXXX good reason why!

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 2020-01-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX is reporting a balance on an account to my credit that should not be there. I paid this off a while ago and it should not be reporting a balance to my credit and it needs to be removed.

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 2018-06-18
Company: Synovus Bank
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I keep trying to call this company to dispute a charge from XXXX and they wont answer for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: VIRTUOSO SOURCING GROUP, LLC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello this company has called me over 25 times in one day. I asked the represensative to place me on the do not call list and she said she was not going to I asked her to call her manager she refused and hung up the representative has continue to harass me over and over calling every 2 to 3 min after each other

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: CHARLES SCHWAB CORPORATION, THE
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to deposit a paper check into my account via mobile deposit. I was told that I did not qualify for the feature of mobile deposit because I had an NSF after being double charged by a different institution. In effect, they denied me the ability to deposit money because I did not have enough money. The checking account is designed for people who travel extensively, which I do for work. They have in effect XXXX a key feature that makes the account viable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/XXXX at approx XXXX hrs I attempted to set up my mobile app for a care credit card, after three attempts of it not working I decided to call. On XX/XX/XXXX at approx XXXX hrs, I contacted synchrony credit card company. My first two attempts to call the number, resulted in the phone line ringing once then complete silence. My third attempt resulted in the company answering the phone, but will not release any information to me bc they say my date of birth is wrong and that I have to fax a copy of my drivers license. At this point Im very skeptical of their business practice, how can they issue credit cards to individuals when they arent verifying date of births in the beginning. They issued a credit in my name name with my information but wrong date of birth. They want me to except responsibility for all transactions on the credit card without allowing me to know the dob they entered into their system and used it and will not give me any information pertaining to me as the card holder ...

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 2019-01-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes, XXXX, Experian, & XXXX  have not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. Please see items below 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 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 2020-07-25
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: Was not notified of investigation status or results

Complaint:
I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 Inquiries : US SM BUS ADMIN ODA 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
Consumer complaint received 2022-08-08
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX has implicitly acknowledged that XXXX XXXX  made a fraudulent claim of a late payment on my account by stating no evidence of a missed payment and that it is current etc. However, they neglected to remove the false report from my history saying " it will be removed automatically in XXXX years. '' I will not stand for having my credit score adversely affected for 10 years due to fraud from XXXX XXXX XXXX store card ( 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 2018-06-08
Company: Turner Acceptance Corp.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
ON MONDAY XX/XX/XXXX I HAD APPLIED FOR A LOAN WITH TURNER ACCEPTANCE CORP . I WAS ADVISED THAT I WAS APPROVED FOR THE AMOUNT I HAD REQUESTED WHICH WAS XXXX. I WAS ADVISED TO BRING MY PAYSTUB MY ID AND WOULD VERIFY MY PHONE NUMBER AND AN APPOINTMENT WAS SET FOR XX/XX/XXXX @ XXXX. I HAD ADVISED THAT THE PHONE I CURRENTLY HAD WAS BROKEN BUT THE LINE IS STILL A GOOD WORKING NUMBER ( NOT DISCONNECTED ). THE REPERSENTATIVES SEEMED ANNOYED WITH THAT AND STATED THEY NEEDED TO VERIFY MY NUMBER WHICH AGAIN WAS NOT A PROBLEM, BUT I NEEDED TO GET A NEW PHONE TO PLACE MY CHIP IN IN ORDER FOR ME TO ANSWER THE PHONE. UNDER MY NAME I HAVE TWO LINES AND THEY REFUSED TO USE THE SECOND LINE THATS UNDER MY NAME TO VERIFY PHONE NUMBER SO IT DOES NOT MATTER WHAT NUMBER IS USED TO GET A HOLD OF ME SINCE BOTH ARE MINE. THE APPLICATION WAS AT THE XXXX XXXX XXXX XXXX LOCATION. SINCE I HAD TO GO ALL THE WAY TO MY HOUSE TO GET THE CHIP I HAD REQUESTED THE APPLICATION BE TRANSFERED TO XXXX XXXX XXXX XXXX SINCE MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX IL IT WOULD HAVE BEEN EASIER TO GO TO THE SOUTH LOCATION SINCE ITS CLOSER TO MY HOME. THEN I GET TO THE SOUTH LOCATION AND I WAS ADVISED MY ACCOUNT HAD BEEN FLAGGED FOR SUSPICION/ FRAUD AND THEY REFUSED TO DO THE LOAN. THEY ALSO BEGIN TO TELL ME THE REASON IT WAS TURNED DOWN DUE TO MY PAST PAYMENT HISTORY, NONE OF THIS WAS TOLD TO ME BECAUSE I WAS ALREADY ADVISED I WAS APPROVED WHEN I HAD FIRST APPLIED. THIS IS NOT HOW BUISNESS IS DONE I GAVE THEM EVERYHTING THEY NEEDED AND THEN GAVE ME FALSE INFORMATION AS TO WHY MY LOAN WAS DENIED AFTER I WAS ADVISED IT WAS APPROVED! I AM REALLY UPSET!

Company response to consumer: Closed with non-monetary relief