BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-24
Company: NIC, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Sent a debt validation request and was refused by NEMO collection agency. Please see my attached evidence for the refused delivery marked by the USPS office. I never received my right to dispute the debt as allowed under the FDCPA & FCRA act. The debt was just added to my credit reports without knowledge. I can not have my right to dispute or request validation of the debt and HIPPA consent requested. This debt must be removed immediately due to refusal to allow my validation of the medical debt in question. Now once you review this complaint you will know my rights and request and will be under the statue to comply. Also sent a fax on XX/XX/2019 Letter attached for Nemo Collections Returned Envelope marked as refused by postal worker attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions Inc.
State: NJ
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 am a victim of identity theft

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 2018-08-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I recently enrolled in a loan modification. I was given a new principal and a partial HUD claim that needs to be satisfied to pay off my home. I was assigned a home preservation specialist to assist during this process. My total due is almost exactly what my original loan was for years ago and have made many payments. I requested a breakdown to show how this was possible and was told they cant provide that. I was told no one else was available to call there to help me with this request.

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 2018-08-29
Company: A.R.M. Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Had a newspaper subscription for one year paid in full at the beginning of the subscription. When it expired I told them I was not renewing. The paper continued to be delivered for a few weeks then stopped. Two months later I start getting phone calls and letters from A.R.M. Solutions telling me I owed them money for the paper AFTER the subscription expired and AFTER I told them I was not renewing. They want {$59.00} or they will ruin my credit!

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 2018-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
I called capital one regarding a {$9.00} charge that was mailed to them but not received on account number XXXX XXXX XXXX XXXX. Because this went deluquent 30+ days it dropped my credit score 50+ points and is preventing me from buying a home. I discovered the issue while trying to obtain a home loan. Capital One said they will do nothing about this even though I have never had this issue with them before and the account was in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: Experian Information Solutions Inc.
State: SC
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:
The following letter was sent to XXXX without a response : To whom it may concern, XX/XX/17 I am notifying XXXX and its representatives that I am disputing a credit enquiry made by your company on or about XX/XX/2017. I was in a XXXX  store located in XXXX South Carolina when I was approached by a XXXX representative who enquired about my television service. We began discussing different options that your company offers. After taking some of my contact information the representative asked me for permission to do a credit check. I immediately refused. The representative thanked me for my time and the conversation ended. I left the store. I have since monitored my credit reports to find an unauthorized hard enquiry was made by DIRECTV.

In accordance with the Fair Credit Reporting Act, please remove this enquiry from any and all credit reporting agencies that this enquiry has affected within thirty days of receipt of this letter. My contact information is provided below.

( Included was my personal information including name, address, and telephone number ) ( I have removed this information in accordance with the instructions provided. )

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 2020-08-27
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. US DEPT ED XXXX {$300.00} DPT ED/XXXX XXXX {$300.00} XXXX XXXX XXXX   XXXX {$80.00} XXXX XXXX {$7300.00} XXXX XXXX {$5900.00} DPT ED/XXXX XXXX {$6800.00} DPT ED/XXXX XXXX {$22000.00} DPT ED/XXXX XXXX {$18000.00}

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 2018-02-25
Company: Ad Astra Recovery Services Inc
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have any contractual obligations to this debt collector, once a debt is written / charged off, that debt becomes paid and contract is good. I have absolutely no obligation with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
1. XXXX is fraudulently reporting inaccurate information and duplicating exact accounts numbers and reporting that accounts are pass due when they are paid and current. Accounts : XXXX XXXX XXXX not late or missed payment this account is paid in full and closed. This XXXX XXXX XXXX is listed multiple times. XXXX XXXX same account listed multiple timesXXXX XXXX XXXX account listed multiple times. This is a revolving weekly account its never late. XXXX XXXX XXXX XXXX so closed and paid in full. Why is it listed as a missed payment and late. XXXX  XXXX account is open and never late. 
2. XXXX is reporting using old accounts and reporting them as new. This is an on going problem and its discriminatory as iam a person of XXXX and these practices XXXX is unfair and hinders my opportunity for financial help because the accounts are not being updated and old accounts are recycled for the credit bureaus and credit services to keep billing and getting paid meanwhile my credit profile is not going in a positive direction because XXXX is not updating accurately. Iam making an honest attempt through cfbs to help correct this problem as I will have no other record but to seek legal action if XXXX does not correct this matter in 30 days.

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 2018-08-29
Company: Conn's, 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: Account status incorrect

Complaint:
My credit showed a delinquent amount with XXXX XXXX XXXX. I contacted them and they forwarded my call to XXXX XXXX. XXXX XXXX offered a settlement amount of XXXX from the total of XXXX to be settled in full with a XXXX  balance. This amount of XXXX was paid as agreed and documentation of receipt was provided. Conns and XXXX XXXX have no held their agreement in showing this account as settled in full with XXXX balance on my credit reports with XXXX, XXXX and XXXX. Instead, they have deducted the settled amount from the total and are now showing on my credit report a derogatory report with XXXX dollars due. 
Paid on XX/XX/XXXX File number XXXX Repeated contact with both companies have been a dead end as representatives from both state that the other company has to be the one to make the correction. 
I am currently under contract to purchase a home with an estimated close date of XX/XX/XXXX and this is negatively affecting my loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX IS REPORTING A DELINQUENT TITLE LOAN ACCOUNT THAT WAS SECURED WITH MY TITLE FOR MY XXXX XXXX XXXX XXXX XXXX. THE ACCOUNT IS NOT VALID.

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 2022-07-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: GLA Collection Company, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have Sent several letter 's asking for GLA Collections to provide me with proof that the debt they are trying to collect is in fact mine, Made pursuant to the ( Fair Debt Collection Act and the ( Fair credit reporting Act ) First Letter 's were sent Certified Mail onXX/XX/XXXX allowing them 30 days to provide proof.. On the 31st day following no proof i preceded to send a second set of letters Certified as well Mailed on XX/XX/XXXX to be exact .. I have followed the Law as provided by ( FDCA, & FCRA ) I  have never done business with XXXX XXXX XXXX and the Fact remains they have not provided me proof and as far i can see Such as my signature .. The HIPPA Law has been broken as this company should not now or ever have any medical information on any test i may or may not have done. I would like for them to remove any negative / derogatory comments they have submitted to the collection agencies  as they are in violation of the FDCA/FCRA acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX i requested Coinbase remove {$1000.00} from my XXXX savings account. This money was removed but never entered into my coin base account. Seven days previously on XX/XX/XXXX Coinbase removed {$1000.00} from same account and entered it into my Coinbase Account. 

I first contacted their support team on XX/XX/XXXX to complain the money was never entered into my Coinbase account and provided documentation the money was removed from my XXXX account on XX/XX/XXXX. I also called their support team by phone no fewer than three times and have sent them at least two dozen emails. Their support team agreed i was correct and raised the level of my problem to a " level 10 '' ( their highest level ). However, after more than two months and multiple calls, countless emails and clear documentation they will not refund my money. 

Clearly this is either fraud or a scam and is frankly outrageous for a XXXX dollar company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: CITIBANK, N.A.
State: VA
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 client, XXXX XXXX is a victim of identity theft. She was notified by CBNA/Best Buy of a fraudulent application submitted with her information without her consent in the name of XXXX XXXX. An official dispute of this application was mailed certified with return receipt to CBNA/Best Buy, XX/XX/2018. As of this date CBNA/Best Buy has failed to remove the information and have not provided any information concerning the investigation into this matter, this inaction is a violation of FCRA.

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 2018-08-29
Company: EQUIFAX, INC.
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:
I placed a order on " XXXX '' onXX/XX/XXXX and I selected ; the option for " 3 easy pay '' installments. I never, knowingly consented for " XXXX '' to pull my credit report. I talked to " XXXX XXXX '' sales engineer yesterday, evening Tuesday, XX/XX/XXXX, when he asked for my social security number to run my credit report. I told XXXX, NOT to run my report and I will call him back today ( XX/XX/XXXX ) once I decide how I wanted to proceed with this order. I checked my credit today ( XX/XX/XXXX ) and my credit was pulled without my consent. I never gave " XXXX '' my social security number to even check my info. 


Credit Pulled From : XXXX XXXX. 
Phone : ( XXXX ) XXXX x XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
XX/XX/2019 I received a call from Navient at XXXX speaking with XXXX . I advised of already making payment arrangement to which she seemed confused by. I received another phone call at XXXX to which I shouldnt as I have already put in to have the owed amount drafted out. The company has repeatedly called numbers not listed as a form of contact. This is very disturbing and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
I have a XXXX XXXX  charge card through XXXX XXXX. I have a XXXX   balance and have always paid my entire full balance EARLY each and every month -- well, basically as soon as charges appear on my account. Even though I have a XXXX balance and there are NO BACK-ORDERS they keep reporting that my available credit is only {$350.00} when it should be {$900.00}. 

Attachment 1 - Shows that I have consistently paid my balance off as soon as charges show up on my online account. 

Attachment 2 - Shows the erroneous available credit compared to my credit limit. 

Attachment 3 - Shows my .pdf statement has it correct, but the bank insists that I only have a {$350.00} available credit instead of the TRUTH -- {$900.00}.

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 2020-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 reviewed a copy of my credit report. I discovered inquires that I did not authorize. 
On XX/XX/2020, I reached out personally to the company to have the inquire removed from my credit report. It is my understanding that you can only make an inquiry to see my credit report if I authorize it. Which I do not authorize. On XX/XX/2020, stating we regret that we're unable to offer you credit at the terms requested. This has greatly impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: DISCOVER BANK
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off my Discover Credit card at the beginning of this year due to predatory interest rates. I was asked if I was sure and told it would be terminated by midnight. About a month later, I received a bill for a dollar and some change. I called to explain the account was paid, and it was confirmed it was indeed paid. I was then told they forgot to charge me and so I needed to pay in order to re-close the account. After paying more than twice the amount I charged, I said you can't reopen an account with an oops and begin charging again. I told it was closed, received a letter that it was closed and will not give them another dime. I continued to get bills with an increase of about a dollar a month. I called again and went thru the same mess. I then told them to stop billing me. I began receiving calls about the past due amount, went thru the same discussion again, and told them not to call my phone again. I've continued to receive bills and phone calls, with the most recent one being tonight at XXXX XXXX. from phone number XXXX, in which I told him to leave me the XXXX XXXX XXXX alone. This is harassment, This is debt XXXX, debt slavery, debt XXXX, and continued bulling through out the day and night. Please help me from this greedy, unethical, unprofessional, abusive, XXXX credit card company. I destroyed earlier bills but have copies of last two months. Please review the entire account, as the amount in the past 6 months were not consistent. I believe I destroyed a bill for {$10.00} and change, but now the amount due is lower. Check my entire history with these gansters!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: AMERICAN EXPRESS COMPANY
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:
AMEX Card Ending : XXXX I closed one of my Blue Cash preferred account. I paid my membership fees for the year, when I cancelled the card, it wasn't the end of the year, so when I closed it, they prorated my membership fees and I ended up getting a refund of about {$100.00}. Everything was good and there was no issues. Few months after, I get a letter from them saying that I owe {$6.00}, called them, they said it is interest, from here to there, they said they are going to waive it and they did. Few months after, I get a notification from XXXX that a delinquent account was added to my record and when I checked it was the AMEX closed account. How did this affected me? my credit score declined by 90 points. I called AMEX multiple times, they transferred me from one line to the other and nobody helped me, I was caught in a limbo. Please assist me with this, I don't know where to go with this. Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-24
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have filed the XXXX with all 3 agencies, XXXX XXXX and XXXX won't show any credit report, and experian wants me to pay {$4.00} a month to get credit reports from all 3, and will not show my FCIO score from them individually. Only Experian showed my inquiries. XXXX and XXXX out right denied any information.

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