BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-27
Company: Green & Sons Agency, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: U.S. BANCORP
State: IL
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 XXXX, doing business for Great Lakes Credit Union, has repeatedly ignored payments I made since XXXX, XXXX, although I have checks showing they cleared the bank and a confirmation number for a payment made over the phone on XX/XX/2022, for the entire balance, including the payment from XXXX which they claim not to have received. This date ( XXXX ) I received notice that I still owe them money, have been reported " delinquent '' to the credit bureaus, and have not made any payments. So the payment I made XX/XX/2022, complete with confirmation number, has not been credited. At this point they owe me money for their misplaced XXXX payment, plus late fees and interest.

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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX / {$740.00} / XX/XX/2022

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 2020-08-19
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a copy of my credit report and found inaccurate information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The loan servicer fedloan never sent correspondence at the outset of the loan to let me know that they were the servicer and how to repay the loan. In XXXX of XXXX we researched XXXX loan servicers before we found fedloan. Once we found them, we immediately brought the account current, and set up an auto debit. Between XXXX and XXXX they reported over XXXX delinquencies on my credit report and refuse to reverse them. My credit is ruined, making it impossible to refinance any of my student debt. I am XXXX, have a good job, and am making my loan payments monthly. XXXX inadvertently did not get information to me regarding payback of the loan. They also sent me a document in XXXX discussing a forebearance request that I had supposedly made. I never made such a request. I would like to know what I need to do to fix the credit, and move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: JPMORGAN CHASE & CO.
State: KS
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:
Chase Bank has submitted 3 hard inquires to my my Credit Report, I have never applied for a Chase Bank credit card or loan. 

Chase Card Inquiry from XX/XX/XXXX Bank Chase Card Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank Chase Card XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: Netspend Corporation
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
To the Consumer Financial Protection Bureau ( CFPB ), I am a customer of XXXX ( owned by XXXX XXXX XXXX, Member FDIC, which is part of the Netspend Corporation ) and maintain a checking and savings account with this financial institution. For the period of XX/XX/XXXX - XX/XX/2022, to earn XXXX 's advertised interest rate of 3 %, customers needed to complete 15 transactions and receive cumulative direct deposits of {$3000.00} or more. 

Between XX/XX/XXXX and XX/XX/2022, I completed the 15 transaction requirements ( see attached document for a screenshot from XX/XX/2022 from the XXXX app showing that my transactions qualified ). The qualifying direct deposits were completed on XX/XX/XXXX and XX/XX/XXXX. 

The attached document ( a screenshot from my XXXX app taken on XX/XX/2022 ) clearly indicates that XXXX deemed my transactions as qualifying ( via the tracker shown ), and therefore I should have received 3 % interest on the {$15000.00} balance in the savings account. 

On XX/XX/2022 ( following the close of the XX/XX/XXXX - XX/XX/2022 quarter ) I only received ,2 % interest instead of the 3 % interest advertised and confirmed for my account. I contacted XXXX by phone on XX/XX/XXXX and was informed that I had indeed met the requirements and that the agent 's system showed I met the requirement. For next steps, the agent mentioned that she would contact the escalation team and that I would receive a response in 2 days. As of XX/XX/XXXX I had not received any follow up correspondence from XXXX, and so I called XXXX again. After being put on hold multiple times, the agent during this call ( XXXX XXXX, then stated that my transactions did not qualify and that I would not be receiving the 3 % interest. I informed the agent that XXXX 's tracker indicated my transactions did qualify and that the agent on XXXX confirmed my transactions did qualify, however, he stated that XXXX would not be providing the interest to my account. 

As a result of this outcome, I am contacting the CFPB for resolution. I contend that through XX/XX/2022 XXXX confirmed my transactions qualified, but then after XX/XX/2022 XXXX disqualified those same transactions after the end date of the specific qualifying time period in order to avoid paying out the advertised interest rate. XXXX therefore employed a " bait and switch '' tactic, which I believe falls under the jurisdiction of the CFPB for investigation and enforcement. 

Thank you for your 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 2022-01-05
Company: Duvera Billing Services, LLC
State: NJ
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:
Duvera Financial has been reporting my account as past due monthly although this account is in the collection phase. I have complained previously about predatory lending practices such as excessive calls and being harassed about a debt that I did not agree to. The interest rate and continuous fees were not explained to me properly and I feel that this lender should not be in business. The bill of {$1500.00} has ballooned to over {$7000.00}. In this climate, those fees are ridiculous. In addition, the account is being reported as open and past due with is incorrect. Please remove this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received a letter in the mail on XX/XX/XXXX stating that I was 30 days past due and the letter threatened going after my credit score. Upon calling navient, I was informed that in XX/XX/XXXX my payment was {$0.00} ( XXXX cent ) short. Upon checking my bank account, every payment was made on full ... this was a data input mistake by navient ... I had paid everything on time, in full!! I was treated like a common criminal, time and time again told that I did not pay my loan. I pleaded with them to please check thier records in more detail as I have proof they were wrong. After speaking to three customer service reps including a supervisor, my only option was to pay the {$0.00} or prove to them by sending bank statements that I was right

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: DISCOVER BANK
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was a victim of romance scam, I may not have the best judgement with my XXXX. But none the less I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After receiving my consumer report from XXXX, I noticed a few fraudulent accounts. The FCRA intends to secure consumer rights to privacy, and my privacy has been breached. After stating the claim and disputing the fraudulent accounts, XXXX is still reporting on my consumer report negative/inaccurate accounts. Im reporting this activity to CFPB because my rights have been violated. Pursuant to Fair Credit Reporting Act, 15 USC 1681n, XXXX willfully failed to comply with the requirement under the provision of 15 USC 1681 ; therefore, XXXX is civilly and criminally liable for causing me mental anguish. I have attached all supporting documents along with my Affidavit of Truth and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, 2017 I deposited {$1500.00} cash into a person 's Wells Fargo account. I was under the impression that I was putting down first month 's rent and deposit for an apartment. I was told the keys would be mailed to me. I had been corresponding through the scammer ( who I thought would be my landlord ) via text and e-mail. I followed his directions to make this cash deposit into the account number that he gave to me XXXX. <P/>A few hours later, my dad told me I had been scammed. I went back to the branch to explain the situation and they looked up the account number and told me that it had been flagged for fraud ; no money could enter or leave the account. The banker told me there were several other cash deposits made in the same amount into that same account from other locations. I filed a police report with the XXXX XXXX XXXX. <P/>For the past month I have been in correspondence with the Branch Manager. ( Wells Fargo Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). He told me the case is being investigated and that there were other victims. I have been e-mailing him several times a week asking for updates of my claim and he told me that it was " under investigation '' with the " resolution team '' as well as being escalated to a " research team. '' I was told they have my contact info but have not been reached by them. I have also not been able to reach anyone at Wells Fargo about this except for the branch manager. All I  have is a reference number # XXXX. <P/>I have confirmation from the branch manager who also happens to be the Assistant Vice President of the XXXX XXXX Region XXXX XXXX ( XXXX XXXX ) that my money was never liquidated from this account and that Wells Fargo is in fact in possession of my {$1500.00} cash. Because I am not a Wells Fargo customer and this was a cash deposit, it has been especially difficult. <P/>This is two months worth of rent money that I really badly need. I am a victim of a scam and I need Wells Fargo to do the right thing and return my money to me. So far I have no indication that this will actually happen. I plan to get in contact with XXXX County District Attorney as well as the Wells Fargo Board of Directors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: 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:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. 
Here are the ITEMS that needs to be removed in my file : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$1600.00} XXXXXXXX XXXXBankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from a debt collector, stating that if I paid 35 % of my total debt it would be settled and paid in full. 7 days later I paid the settlement amount. I received a written letter from the debt collector stating my account had been settled in full a few days later. Months has gone by, and they have only reduced the settled amount from the original amount owed, instead of bringing my balance to XXXX. I have disputed it and provided all the proof to equifax, and they told them the balance reporting is correct, which is false because it should bring my balance to XXXX which again I have proof in the debt settled in full letter from the collector. Now, since I paid the settled amount, the original grantor is reporting my account as delinquent every month, hurting my credit. The whole point of me paying the settled amount was to help my credit. They are definitely not allowed to do this and it is not fair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
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: Information belongs to someone else

Complaint:
The Credit Bureaus are not blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health. These are the fraudulent accounts that I have disputed : XXXX XXXX, XXXX XXXX, XXXX XXXXXX/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 explanation
Consumer complaint received 2021-10-12
Company: GFS II, LLC
State: MI
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:
This account has been closed since 2016 and it shows every month the Im still having late payments and the interest is increasing all the while the account is closed. I have contacted the company and XXXX and XXXX continues to have the account showing late payments and closed at the same time but wont honor every dispute Ive submitted..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: FIRST HORIZON BANK
State: TN
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 have not been scammed but I received a text message saying there was a problem with my First Horizon bank account and there was a link inside the text www.firsthorizonff.com. I did not click on this link in my phone but I did pull it up online and it is a fake replica of the First Horizon Bank 's website designed to scam people. I just do not want anyone to get tricked into using this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
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:
Equifax investigation did not fix the unathorized XXXX XXXX XXXX hard inquiry.I never once authorized XXXX XXXX XXXX to pull my credit for anything.Equifax response in there investigation was to call XXXX XXXX XXXX.Thats not the response i was looking for.Therefore, I never authorized XXXX XXXX XXXX to do a hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform you that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collections Account with Resurgent Capital Services, aka LVNV Funding, aka XXXX XXXX XXXX XXXX. 
Resurgent Capital Services # XXXX aka LVNV FUNDING LLC # XXXX This debt was settled on XX/XX/2019 via XXXX web portal. 
It was explicitly stated that the 1 time - settlement amount is {$410.00}, to settle the account in full, which I paid in full. I have full documentation, screenshots, bank records fully recorded on paper to this effect. 

Resurgent claims I owe another {$410.00} ( in other words, they are ignoring their own settlement, on the web portal, which I have full written proof of ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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: Information belongs to someone else

Complaint:
On XXXX of XXXX I wanted to see if I have good credit to qualify to get a loan for a car. I downloaded my credit report and I seen I have a lot of inaccurate information and unauthorized accounts in my credit report that I dont recall or ever remember me signing any invoice on this accounts .Ive tried writing letters to the debt collectors and contacting the 3 major Bureaus as well to fix this problem.still no resolution.

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