BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-19
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a mail from National Recovery Agency ( NRA ) that claims I owe XXXX XXXX payments ( {$20.00} each ) on XXXX/XXXX/11 with total of {$61.00}. On top of these payments are the same on the same day from a utility company, the account listed does not belong to me. After the mail, I start to receive morning calls to my house every day from a woman claiming to be from NRA.

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 2016-11-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I wrote Experian in XXXX XXXX. It is now XXXX and have received no response! I have specific issues with what they are reported and requested they investigate. They are in violation of Federal law.

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 2022-02-19
Company: Professional Credit Management, Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I paid my medical bill with the hospital and it is on my credit report. I called the agency and asked them to contact the hospital because the debt was precociously paid. They refused. 
I contacted the credit agency. XXXX to explain the bill was paid and I have the receipt. I attempted to upload the receipt to the online portal would Not allow me to Attach the receipt of proof. It appeared to be an issue with the system. They then opened a new dispute and it remains on my credit report although I explained to both XXXX and Professional Credit Management that the debt was paid. I also offered to Email it to Professional Credit Management and was told they can not accept emails and XXXX was informed their system would not allow me to upload proof. 
It has been removed from the other two credit reports but not 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 2015-10-31
Company: Empowerment Ventures, LLC
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I 've been a cardholder since 2008 I have XXXX rushcards for different financial reasons due to past history of Identity theft. But now when it comes to me trying to use my card it has been and still is the worst nightmare ever. I normally have {$50.00} come or of my acct to put in my XXXX savings acct just to feel like I 'm apart of a bank, because rushcard is not accepted at most places ( prepaid ) and to now have to rely on this money to halfway get me by. I 've never experienced this yet with my card. I 've called numerous of occasions no response or i get placed on hold unknowingly if i do FINALLY get connected, or maybe even HUNGUP on after holding on for hours. Im still checking my mobile app and it 's still not allowing me to login, checking my online acct it may show that I 'm locked out invalid credentials ( user id/password ) or finally after answering numerous questions then it shows {$2.00} WTH.. I feel shameful to have to go to my mother for help with a XXXX old son who needs essential things that I ca n't afford right now or even borrow money from a payday loan to only not even be for sure if I would have the money to pay them back when it comes which is scheduled very soon. All these services fees are ridiculous, making XXXX be a fee free month is a SLAP IN THE FACE. Something needs to be done ASAP, this is unacceptable ... DO SOMETHING OR IM LEAVING RUSHCARD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Collection agency sent me a demand letter on XXXX XXXX, XXXX giving me 30 days to dispute. I notified them I had no knowledge of this bill with XXXX and that it was fraud. I contacted XXXX and they confirmed it was fraud. On XXXX XXXX, XXXX I sent the collection agency my police report, my proof of address when the outcome was opened, my ID card, and my notarized XXXX fraud affidavit. The collection agency notified me the same day that they would forward everything to XXXX to get resolved. At this point this item was not on my credit report. I never heard/received anything further from the collection agency. On XXXX XXXX, XXXX I pulled my credit just to check to make sure nothing was reported, however to my disbelief the collection agency was on there as of XXXX XXXX, XXXX. Not only did the collection agency never provide me with documents proving I owe the debt, but they also reported this negative item to my credit report prior to my 30 day dispute timeline. Not only that, but they also reported this to my credit even though they were aware this was fraud.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: WELLS FARGO & COMPANY
State: MT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Dear XXXX, XXXX school : XXXX XXXX, XXXX, Montana ; XXXX XX/XX/XXXX XXXX XXXX : University of XXXX XXXX XXXX XXXX ; graduating XX/XX/XXXX Unfortunately, I received my XXXX private student loans through Wells Fargo. Post graduation, the multiple loans were consolidated into XXXX loan. I worked for a few years and was able to easily make payments. However, upon attending law school, Wells Fargo informed me I would not be able to defer my payments during school. Now, I pay over {$280.00} per month for my XXXX loans. These payments are crushing. To get by, I have been forced to use credit cards as I have n't enough money to pay for necessities. I use my federal student loans from law school to pay for the Wells Fargo student loan and now all of my additional credit cards. The money always runs out at the end of the year, and I end up racking up late payments galore. If student loans were dischargeable, I would have filed bankruptcy. If my parents had not have co-signed I probably would have quit paying them, becuase I simply can not do it anymore. 
I am in the top XXXX of my class and receive excellent grades. I have a job lined up for after school. I understand the nature of secured and unsecured transactions. I understand my contract obligations. However, before law school I was less savy. Had I known about the miserable circumstance I would be in now, I never would have consolidated my loans. I definitely would never have received a loan through Wells Fargo. Wells Fargo is 100 % unwilling to help. Their customer service representatives inform me that my type of loan is one of the only types that can not be deferred. This is predatory and unfair. This loan has ruined my life. I work 30 hours a week in addition to going to XXXX in order to make these payments. I am going to work 12 hours XX/XX/XXXX so that I can hopefully catch up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-15
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: Account information incorrect

Complaint:
XXXX XXXX is reporting a debt for XXXX XXXX that was dismissed by the original creditor. XXXX  XXXX Dismissed the debt and removed the debt from all reporting in 2016. XXXX XXXX has been notified that the debt is no longer valid and XXXX XXXX has since dropped the debt. I no longer owe this debt and XXXX XXXX refuses to remove the debt from all reporting. In addition the company is reporting invalid dates for the debt. I did not open a credit card with XXXX XXXX in 2016. XXXX XXXX is reporting a debt that is no longer owed and is re-aging a debt that is more than five years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have inquiries on my credit that do not belong to me and I have disputed these multiple times with the credit bureaus ( XXXX, Experian, XXXX ). I submitted a police report, FTC report and letter XXXX times and they refuse to remove these in violation of section 605B. Under this section, all disputed account must be blocked within 4 business days and require a full investigation. I have never disputed these inquiries before ; therefore, they can not be considered frivolous. This is my last resort before I send an intent to sue. I am a victim of identity theft and these inquiries are the result of someone else using my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/XXXX I was accepted into Wells Fargo Loan Modification Program Trial Period. I voluntarily sought help before I became delinquent with my mortgage payments. I was not under any foreclosure process. At that time I was advised by Preservation Specialist XXXX that I would not make a XXXX XXXX Mortgage Payment since being accepted into the Modification Program. However, since my mortgage payment was automatically debited from my bank account and, my XXXX XXXX mortgage of {$800.00} was paid. 
On XXXX XXXX, XXXX, I was assigned a new Wells Fargo Preservation Specialist XXXX who informed me that since I had made an " overpayment in XXXX XXXX '' that it would not be necessary for me to make the required XXXX XXXX Trial Payment. The Preservation Specialist audit my account and advised the following with my agreement to have these payments automatically debited from my bank account for XXXX XXXX XXXX, XXXX {$540.00} - Confirmation # XXXX XXXX XXXX XXXX, XXXX {$550.00} - Confirmation # XXXX On XXXX XXXX, XXXX I received an email from a new Wells Fargo Preservation Specialist XXXX stating that he had been assigned to my case. 
On XXXX/XXXX/XXXX I contacted the Preservation Specialist XXXX to request a status update due to a letter received from Wells Fargo about enrolling into a Modification Program ; however he was not available and I was directed to speak to a different Specialist. This person reviewed my file and informed me that I owed {$550.00} as a result of being misinformed by Wells Fargo Preservation Specialist XXXX that no payment was due for XXXX XXXX. 
Although I attempted to explain the overpayment made in XXXX XXXX, to be current for the final Modification I had to pay the {$550.00} covering XXXX payment and balance due for the XXXX payment. 
I faxed my newly assigned Specialist XXXX requesting that he confer with Specialist XXXX to find out how she calculated my trial payments for XXXX and XXXX. I also attached various faxes questioning the misinformation I was receiving each time a new Preservation Specialist was assigned to my case. 
I am XXXX XXXX XXXX and I have never experienced this type of confusion between the various people assigned to help me through the XXXX Modification Program. It is apparent that there is no debriefing communication between individuals assigned to my case.

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 2022-05-21
Company: Thaxton Investment Corporation
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:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016, I walked into Wells Fargo to deposit a check into my business account. When I approached the teller to make the deposit she brings to my attention that I do not have a savings account with Wells Fargo. I informed her that I was aware of the fact and I did not want a savings account. She made two more attempts to get me to open a savings account, to which I declined. On the teller 's fourth attempt, I informed the teller that I was short on time, but I would agree to speak with a personal banker to inquire about opening a savings account only if the personal banker were available after we completed the deposit of the check. After the check was deposited, the personal banker was not available, therefore, I left Wells Fargo without speaking to anyone regarding the savings account. I now realize that I have a credit inquiry from Wells Fargo on that day. I was never informed they will check my credit, nor did I authorize anyone to make an inquire on 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 2016-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
We had no hot water in the kitchen to properly clean our dishes. This went on for 1 1/2 months. And we had no heat in our apartment which caused us to live in our bedroom with XXXX portable heaters that we purchased. Per Kentucky Tenant Code KRS 383.545, landlords are required to supply these to all tenants which they did not. So we initiated our right per KY law KRS 383.625 to terminate our lease. We sent a certified " XXXX '' letter to the landlord explaining our reason for terminating our lease. We paid the entire month of XXXX 2015 and moved out XXXX XXXX, 2015. We only had 1 month left on our lease which was XX/XX/2015. Our rent was {$1000.00}. We lawfully terminated our lease and they 're trying to collect a debt we do not owe.

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 2016-02-11
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a letter from Resurgent Capital Services : Current Creditor LVNV Funding LLC stating that I owe XXXX. They informed me that because the Law limits how long you can be sued on a debt LVNV Funding LLC will not sue me and will not report it to any credit reporting agency. So LVNV Funding LLC has placed this account with Resurgent, they are asking for XXXX XXXX time payment and the matter will be closed. I am a XXXX employee whose data was hacked twice, This Debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
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: Information belongs to someone else

Complaint:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, XXXX notify creditors XXXX police report XXXX informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.

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 2015-06-10
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This complaint is being submitted due to derogatory information on our credit report for property located at XXXX XXXX XXXX, XXXX CA XXXX. XXXX XXXX XXXX, NA collateral was surrendered in a Chapter XXXX XX/XX/XXXX in Federal Bankruptcy Court and the presiding judge was XXXX XXXX. This secured claim was surrendered and satisfied in full through surrender of the collateral. XXXX XXXX XXXX then sold the loan to another mortgage company and they sold the loan which resulted with One West Bank having the loan now. They have the property in foreclosure on my credit report as if I still own the property. One west bank has been notified by my attorney that the property was surrendered XX/XX/XXXX and of the improper conduct of XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am receiving letters from XXXX XXXX XXXX XXXX XXXX XXXX for the current creditor " LVNV Funding LL '' for XXXX XXXX XXXX XXXX for a debt I do not owe. 

The Ref # is : XXXX in the amount of {$1600.00}. I do not owe this debt and want them to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2016. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to, XXXX XXXX XXXX a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting a bill. I paid a cash deposit which is illegal. In XXXX of 2016 I was notified by Navy Federal Credit Union that payment was due which is a violation of XXXX XXXX XXXX. Pursuant to XXXX XXXX XXXX Navy Federal Credit Union is criminally liable. They are also civilly liable for double the amount of my finance charge pursuant to XXXX XXXX XXXX, and they are liable for each fdcpa violation pursuant to XXXX XXXX XXXX. I am demanding they remove this alleged debt from our consumer reports, remit payments to me for violations and apologize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions 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 recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries as soon as possible : XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX, XXXX Inquired on XX/XX/2021, XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXXInquired on XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Inquired on XXXXXXXX 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 2016-02-01
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
All ( XXXX ) Credit Reporting Bureaus are reporting the closed XXXX Account as a Repossession. The fact of the matter is, I paid off the entirety of this loan in advance of the maturity date and I hold the title and lien release to the vehicle. No Repossession ever occurred yet after 2 CFPB complaints with XXXX and these XXXX complaints - XXXX for each credit reporting bureaus, they can not accurately report the " correct '' status and would rather ruin someone 's credit score than do their " due diligence ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I applied to the XXXX XXXX XXXX credit card and was denied based on information was obtained from Experian credit reporting agency. 
I tried to obtain a copy of my report and was denied, I tried to talk to a live person, but Experian do not have that as an option. 
I have the right to know what information on my report, and Experian has the obligation to give that information. 
If Experian do not have a live person to respond to customer concerns, they should not be in position of being a credit reporting agency. 
it is like getting one side of the story. 
denial letter reference number XXXX, XXXX2015www.experian.compo.XXXX, XXXX, TX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief