BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-11
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Two to threXXXX weeks ago I tried to have a freeze on my credit lifted from all three credit bureaus. I contacted either XXXX  or Experian to get my credit unfrozen. I dont remember which one it was exactly. When I contacted either XXXX  or Experian, I was declined from speaking to someone because they said they couldn't verify my identity. I think they had the wrong address on my person. From either XXXX or Experian, I was instructed to send a letter with my name, social security number, date of birth, two documents verifying my identity, signature and intention. I did all this and sent letters to all three credit bureaus. Nothing is being done. I only received XXXX letter from XXXX XXXX I think. It was only my credit report. I can not get my credit unfrozen after I contacted them and did everything that was asked. I need help with this because they aren't doing anything to fix the problem

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 2015-11-30
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX is still trying to charge me for phone service I never had. As stated in my previous complaint filed with the CFPB back in XXXX XXXX, XXXX, I have never used XXXX, and have been with another company for seventeen years. The account number on the bill, which is " XXXX '' ( which corresponds with the last XXXX digits of a person 's Social Security number ) does not match mine. In addition, the phone number on the bill is not mine! I happened to have a similar name to the person listed on the bill, so they forwarded this bill to my address, and demanded collection. I called them, and explained what happened, and the XXXX representative promised me that they would call off the collection agency. However, I see that on my credit report, they have still posted me as owing money to them, unfairly damaging my credit. Instead of correcting their mistake, they have passed my name, phone number, and address to yet another collection agency. First, " XXXX '' back in XXXX XXXX ; second, the " XXXX XXXX '' back in XXXX XXXX ( XXXX, which, by the way, apologized and stopped harassing me ). Third, they passed my name yet again to " XXXX XXXX, XXXX '', which not only apologized for bothering me, but admitted that XXXX had passed on to them a fraudulent debt. In XXXX XXXX, XXXX did it again, by passing my name to " XXXX XXXX XXXX ( XXXX XXXX ), '' which acknowledged that the debt was fraudulent, and closed the case. Now it is XXXX XXXX, and XXXX has persisted in sending this " debt '' to ERC, which is offering a settlement. Why should I pay a settlement for a debt that is not even mine?

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 2015-09-21
Company: Penn Credit Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Constantly receiving " robo calls '' from Penn Credit Corp. I do not know what call is about. there phone number is 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 2021-03-11
Company: Resurgent Capital Services L.P.
State: GA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On the    XXXX   XXXX   XXXX   I  tried to pay my balance on my credit card.I called the number listed.   I heard about every  3rd w ord from the customer service person. I would like to add that making payments before due dates are not as straight forward as they need t o be .I 'm wond ering if this is not intentional. It should n't be that hard to pay your bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: EQUIFAX, 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:
I do not know why I keep getting bills from this company. I stayed at a XXXX a few years back and the only thing I purchased was the time I stayed in the room. Soon after I got home from that trip, I started to receive bills in my name from them. I have been paying them because my credit is extremely important to me. I have been disputing this with the credit bureaus and it still remains. It is not even reporting accurately. There are inconsistencies between the bureaus in account numbers wherein the account number in Equifax shows as XXXX then in XXXX it shows as XXXX. I have called them directly to have them close the account but they refuse. They also have not been able to give me any type of verification that the account was mine. I have been requesting this account to be closed for a couple years at this point. I have been scammed out of a lot of money. I can not get anyone to help me. This is fraud. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on dates XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and Ive had no responses. Ive sent out requests to Equifax and XXXX into the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
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:
I do not know why I keep getting bills from this company. I stayed at a XXXX a few years back and the only thing I purchased was the time I stayed in the room. Soon after I got home from that trip, I started to receive bills in my name from them. I have been paying them because my credit is extremely important to me. I have been disputing this with the credit bureaus and it still remains. It is not even reporting accurately. There are inconsistencies between the bureaus in account numbers wherein the account number in XXXX shows as XXXX then in Experian it shows as XXXX. I have called them directly to have them close the account but they refuse. They also have not been able to give me any type of verification that the account was mine. I have been requesting this account to be closed for a couple years at this point. I have been scammed out of a lot of money. I can not get anyone to help me. This is fraud. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on dates XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and Ive had no responses. Ive sent out requests to XXXX and Experian into the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of 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 2016-09-27
Company: DISCOVER BANK
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
On XXXX XXXX of XXXX, according to Discover, I took out a education loan. In XXXX of XXXX after becoming delinquent on my account I paid Discover off. Discover is currently reporting XXXX education loans originating on the same day. Both loans are being reported as negative accounts on my credit report. I have informed Discover that they are duplicate accounts, but Discover refuses to remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: AMCOL Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
on XX/XX/XXXX I went to the XXXX, acct # XXXX, for emergency services. I did not have insurance at the time so I filed for charity care. i was approved for charity care to cover XXXX % of the charges and XXXX % of any future visits for the next 12 months. on XX/XX/XXXX I went to XXXX, acct # XXXX, for emergency services. i received a bill for this visit and i forwarded the charity care determination which shows XXXX to be responsible for XXXX % of the charges. I never heard anything else about this. XX/XX/XXXX I noticed a new collection item on my credit from AMCOL, acct # XXXX. I immediately disputed this as being paid in full. XX/XX/XXXX, I received a phone call from representative on behalf of XXXX trying to collect this debt again. I advised about the charity care and forward them over all documentation. They advised me this would be closed out. I then forwarded this to AMCOL who told me they would investigate it. Lastly I reached out to XXXX Billing who also said they would investigate this and have the account pulled out of the collection agency. On XX/XX/XXXX, I called to follow up and ensure this was removed as this is negatively impacting my credit. I was told by XXXX Billing that I have to re-fax everything again and they can not tell me a time-frame of resolution. I expressed my concern because every month this continues, my credit is being damaged. I then reached out AMCOL and spoke with a rep named XXXX who told me that XXXX advised that this debt is still owed and that they will not accept my charity care letter because the account number XXXX is not listed on it. I advised to the rep that Charity care states they do not have to add the account number to the letter because under XXXX XXXX it states that XXXX is responsible for all payments for future visits 12 months after the original visit, which this visit falls in that category. As of today, there is no resolution and no urgency to correct this. I have been going around with both companies while my credit continues to get damaged. AMCOL also tried to state that XXXX was only responsible for XXXX % and i had to explain that the handwriting looks like that but you can see where is says patient responsible for XXXX % and that it is truly XXXX % which charity care can confirm to both AMCOL and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: Enerson Law, LLC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX Debt collector mailed stipulation and order and financial disclosure form for me to sign and date for paymen i i owe. 
XXXX XXXX Debt collection enter Judgment/and order me to pay. XXXX XXXX I wrote the Judge stated I do not owe this company any I was told to fill out earning garnishment debtor answer. I did not. 
XXXX XXXX Debt collector agency mailed me an letter demanding for full payment XXXX XXXX debt collector mailed my job earning garnishment.I informed my job please do not mail any payment to this company. 
XXXX XXXX Debt collector agency Attorney faxed my job letter demanding mutually agreeable terms to resolves debt account and wanted me to sign stipulation and calling my cell phone.Therefore my job was order to garnishment. I wrote the Judge again to reopen the case and motion was granted XXXX XXXX XXXX at XXXX was court day and the Attorney did n't show up. The next day I got and Letter from the company and the Clerk of Court Plaintiff respectfully requests to dismissed the hearing base on documents provided by the Defendant XXXX XXXX XXXX XXXX another Debt collector demanding full payment past 2 years this XXXX debt collection Attorney has been harrashing me and my job. this case has been scheduled Pre trail conference, court hearing. The first court day the judge ask for any documentation stated not owe this Company. I shown the account is closed, company has no record, and I file for dispute status from XXXX to prove this account is close, and I shown the judge copy of my old account I saved from the company bill statement. 
XXXX Judge close the case. Debt Collector reopen XXXX Mailled me another for Court for Notice of Hearing to Garnishment Wages. Than the company Mailed my Job Affidavit of mailing to payroll department Months later another court date to reopen this case and this continue each time during school has stated for work. During these Month this company has Garnish my wages with out any order for garnishment. This company has been fishing for information from the system from the first Debt Collector who ender judgement. 
XXXX XXXX asked the court to reopen this case again therefore, motion to reopen was granted. 
XXXX XXXX court day Attorney always order phone appearance. 
XXXX XXXX Debt Collector mail form to fill out for exception filled it out.and no respone from Debt collector XXXX XXXX Debt Collector mailed court order for court day XXXX XXXX I wrote judge a letter to dismiss this case and why, new judge for this case and I had to explain all over again Court date was XXXX XXXX XXXX at XXXX I was late for my court day coming from work and the judge order wages garnishment. what hurts so badly this company garnish my wages before court order and am paying a company I do n't 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
Consumer complaint received 2022-09-18
Company: CAVALRY INVESTMENTS, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This account is illegally reporting inaccurate information about me with the sole intent to ruin my credit. This collection account is not only listed as open but also saying I owe a past due balance of {$2300.00}. This is a violation of the FCRA XXXX compliant reporting standards. 

Due to the Inaccuracy of the report and failure to be in compliance I am asking this account be removed from from my account with settled in full and asking for an updated report showing adherence to XXXX reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Paypal closed my account and withheld my money since XX/XX/2022. Every time I call their customer service they promise to call me back and they didn't solve the problem until now. They withheld {$24000.00} on XXXX. 
Please help me to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: DISCOVER BANK
State: CA
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:
BEING A VICTIM OF AN IDENTITY THEFT, I HAVE TRIED NUMEROUS TIMES TO REACH OUT TO DISCOVER AND ALSO TO THE CREDIT REPORTING BUREAUS, AND MY REQUESTS ARE BEING IGNORED TIME AFTER TIME. WHAT ELSE I CAN DO TO PROVE THAT I AM VICITM THAT THE CARD AND THE CHARGES ARE FRAUDULENT AND NOT MINE. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT. I NEVER USED THIS CARD AND NEVER REQUESTED THIS CARD. I NEED THE DISCOVER CARD TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. XXXX  AND XXXX  NEEDS TO BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: American Credit Acceptance, LLC
State: MN
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American Credit Acceptance continues to call after I have told them repeatedly as well as sent them court documentation ( from divorce ) showing that this debt is the responsibility of my exwife and not myself. There have been 3 phone calls today alone one at XXXX CST one at XXXX CST and one at XXXX CST. When asked to speak to their legal department they have stated " this is not a legal issue ''. They have also stated prior that there is no legal department contact number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I asked for debt validation from I.C. system. The company flagged all three major credit bureaus before sending me any proper documents. The only validation letter I received was an address. My name is common and I have been in many mixed file cases with different social security numbers and identity theft. The alleged account is the result of identity theft/ fraudulent and I did not give anyone permission to open this alleged account in my name. I have a good payment history with all three major credit bureaus and this negative error is affecting my scores and reputation. I understand my rights as a consumer and I would like this problem to be resolved promptly. I am also receiving phone calls repeatedly after I told this company to stop harassing me.

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 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX submitting this information no 3rd party company involved. ALL DOCUMENTS AND IDENTIFICATION IS INCLUDED PLEASE CHECK ATTACHMENTS REGARDING MY SITUATION.

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 2020-03-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Wells Fargo allowed an illegal/unauthorized transaction to occur ; the bank allowed my ex-spouse to deposit/cash a two-payee check from the US Treasury, which was a refund for overpayment which I made from income that I generated. As a consequence, I never received so much as XXXX cent from the check. This check was illegally cashed in XX/XX/XXXX. Wells Fargo never notified me, reconciled, or caught this transaction and they have not responded to my communication at all. 

I went to a NJ Wells Fargo branch on XX/XX/XXXX, reported the transaction, gave them a copy of the unsigned check ( which I obtained from the IRS ), and filed a complaint. I was told that I would hear from the back within 3 to 10 days. I never heard from the back. I then called the branch back on XX/XX/XXXX, and told the branch manager that I never heard from Wells Fargo ; he apologized and stated that he called the division which investigates such matters, but that the division stated that they had " a lot of work '' and should be reaching out to me within 2 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 2016-08-03
Company: U.S. BANCORP
State: IL
Product: Credit card
Issue: Late fee

Complaint:
US Bank Visa Cash Rewards Credit Card The above card was automatically issued to me after US Bank acquired Citizens Financial Group. I had no interest in this card in the first place and as a result NEVER used it. I opted out of paper statements, as I thought it was wasteful constantly receive monthly statements showing a {$0.00} balance. XX/XX/2016 I received a notice from US Bank that my account had a small balance and was past due. I opened a fraud investigation and the findings were clear - this was a fraudulent charge. US Bank reversed the late fees and closed the fraud claim. I was assured that the late payment would not be reported to the credit bureaus since the one and only late payment was associated with a fraudulent charge. US Bank DID report this late payment, despite what they said, and my credit score dropped from a rating of excellent to the the low side of good. The fraud department at US Bank dropped the ball and now I 'm being told that onus is on me to open disputes with the credit bureaus. I will dispute the late payment blemish on my credit report, but this is completely UNACCEPTABLE. US Bank should be held responsible for their error and they should be working to reverse this late payment ding instead of putting the burden on the consumer.

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