BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-22
Company: Northern Alliance Management, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX, 2015 XXXX - Have received more than 8 calls on my cell phone from XXXX. I called the number and asked why they were calling. Individual immediately hung up the phone. Called back four times until finally the same individual decided to speak with me. He identified himself as working for an organization called NAM, and gave their website as website nam-llc.us. I asked for his mailing address, and he told me to go to their website to get it. He then told me that he was calling on behalf of a debt from XXXX regarding a delinquent overdraft and mentioned XXXX. I asked him if this was an attempt to collect a debt and he said yes. I told him that I wanted no further phone calls pursuant to the FDCPA and that all communication with me must take place in writing. Found address on website as XXXX XXXX XXXX, XXXX DE XXXX. 

XXXX XXXX, 2015 XXXX - Mailed cease-and desist to NAM LLC at XXXX XXXX XXXX XXXX XXXX DE XXXX, certified, return receipt requested. 

XXXX XXXX, 2015 - Received cease and desist mailed to NAM LLC returned as 'return to sender vacant unable to forward. '' I checked the nam-llc.us website and found that it still publishes the same address that was returned as vacant.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a collection letter from Wakefield and Associates , Inc., XXXX XXXX XXXX, XXXX. XXXX   XXXX, XXXX, TN XXXX, that money was owed to an entity which goes by the name of XXXX XXXX XXXX XXXX XXXX XXXX, located in XXXX, TN -- an entity with which I have never had contact with or heard of until receipt of a collection letter on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: EQUIFAX, INC.
State: VA
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 ; XXXX and XXXX should not be reporting a chargeoff on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is in judgment status and scheduled payments are being applied. This continuing to report an account in judgment status is a violation of the Fair Credit Reporting Act. It is mandated by the FCRA that accurate information be reported on a credit report. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX has submitted my account to the RPM ( Receivables Performance Management LLC ) collection agency after three months of dropping my phone contract. During this time, they failed to provide me with the final XXXX statement agreement of the phone charge breakdown. There is no way for me to verify the charges that I owe for each of the phones I owe under the XXXX account and therefore can not apply my rebate submission to XXXX XXXX XXXX. 

To complete a refund submission, the bill from the previous carrier must include the XXXX ( XXXX ) for final processing. The credit debt agency ( RPM ) also refuses to provide me with this information as well stating that they do n't have this information on file except to provide me with the balance for the amount of {$360.00} when the original amount from XXXX was for {$310.00}. 

I need verification for this account before making a payment to the credit debt agency the amount and date are insufficient information. How can this get resolved?

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 2016-05-27
Company: Academy Mortgage Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
We submitted a refi application to Academy Mortgage in XXXX, Texas the beginning of XXXX 2016. To date, the company STILL CAN NOT give us a closing date and said the appraisal company is not being responsive. It has been almost 90 days ... .90 DAYS! As of this writing no one at the mortgage company will give us any information on when. They have had our information all this time, and each month we keep submitting updated statements, payroll stubs and the same paperwork as the original. It 's like they lose it and start all over again each month. All the assistant there is saying now is it is held up in appraisal department. Two appraisals have been done, one wrong and the second right but they have had the last one for nearly a month. The first one was done completely wrong and it took over nearly a month from the time it was ordered to get one done and back to the mortgage company. So they had to order another one. And the second one took two weeks to get to the mortgage company and as of this writing they are still asking the appraiser for more information. Something is wrong because now we can not now get any answers from the mortgage company as to what is really going on or a closing date ... .NOTHING! We were told by the mortgage company a month ago it was already conditionally approved and it was in underwriting. But again no closing date is being given and the story is changing. This is bad. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct these immediately : XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions Inc.
State: MO
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2016-10-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have called and sent information regarding inquiries on my credit report and they refuse to remove the inquiries that are not mine on my report. I am a victim of identity theft and its stated on my report. I was told that I have to get a letter from the company stating that I did n't apply for credit, I am getting the run around from Equifax and the actual credit company. I should only have XXXX inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: Pinnacle Financial Group, Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Well Hello, My daughter and I purchased a car in XX/XX/XXXX and it 's was financed through Pinnacle Financial Group where my Mother cosigned for me the car. So her and I were both on the car contract and it was not reported on my credit report as stated and promised. We have called Pinnacle Financial Group forever on many, many occasions and gotten the run around and also we call XXXX on several occasions and did a dispute and they stated they would investigate. To no evail. I have contacted Pinnacle and XXXX today XX/XX/XXXX again ... No Results

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am submitting this inquiry to you because i learned that my credit score suddenly dropped from XXXX points and I want to find out why, And what I can do about it? Nothing has changed in my financial world, so I am concerned there is wrong information negatively affecting my score. This sudden drop occurred between XX/XX/2019 and XX/XX/2019. I am not sure where to turn so I am first reaching out to your agency. 

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had set up an account with XXXX XXXX  to build my credit score. My score than increased to XXXX after 2 years of paying when I went to look at it it went to no score I called both XXXX XXXX and the credit bureaus to ask why. XXXX XXXX said they have been reporting it both to transunion and XXXX and sent me the proof. I then called the credit bureaus and they said that that XXXX had been removed from my account, I have no idea why it was removed. So XXXX XXXX  opened a new account and again I have been paying for 6 months and I still have no score. I called transunion and they said nothing is being reported. XXXX XXXX  sent me the proof I than sent the proof with transunion and still nothing is happening. I dont know why my score is saying no score and it seems that no one can help me understand why XXXX was removed from my account.

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 2015-07-20
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Account has been closed since 2009. All of a sudden it reported a payment! I conacted Equifax and filed a complaint. They responded that the account was showing XXXX balance and closed the dispute. I filed again and told them I need the dates fixed, not the balance, as it caused a XXXX point drop in my rating. They have just closed it again, confirming that it is a zero balance after I clearly told them I need the dates fixed. Notice on the attachment that it is reporting a payment, that I did n't make, in XXXX of this year, and that the Account was closed in 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company claims I owe a debt, but I have never had a relationship with UNITED REVENUE CORP . They illegally report 3 incorrect accounts to all credit bureaus, which is affecting me tremendously. I sent the first letter on XX/XX/22 and the second letter on XX/XX/22 requesting validation, but this request fell on deaf ears, yet it is still on my credit report. I am under the impression that All credit bureaus and UNITED REVENUE CORP received my letter because my credit report notes that it was in dispute. My question is, Why have I noted received any validation of this account? Also, the balance is not the same as the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you still need to verify this account legally and have allowed incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. This violates so many FCRA and FDCPA requirements. Also, All credit bureaus and United Revenue Corp violate HIPAA. I never gave consent to the original creditor to share any medical information. If I am forced to take this to court and hire an attorney, I will seek { {$3000.00} } per violation. I will attach the letter that was sent 3 months ago. You will also see the mailed date and time stamp on the letter. Please investigate once again and remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: National Credit Systems,Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this online with them. Called them to dispute over the phone. They would not or could not give me specific information or how it relates to me. I requested the paper invoices and contracts as this Creditor looks be be a XXXX XXXX XXXX XXXX. I was fully in my own HOUSE and definitely do not qualify for low income or subsidized housing. On XX/XX/XXXX or XX/XX/XXXX XXXX They advised they would send out the information to verify or fill a identify theft report. I received the Identity theft form Requesting my signature and address and SSN but no other paperwork with specific details regarding the debt itself which seem fishy to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Renton Collections Inc.
State: MN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2016 I paid this debt to the original creditor. That month j also received a letter from RCI. I called them and informed them the debt was paid. They said they would contact the original creditor to confirm. In XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX I have received letters and phone calls in regards to the same debt. I spoke with an agent last month after calling the original creditor to confirm the debt is paid and was informed it was and another notice was sent to RCI. I called RCI last month and went thru the entire thing again about it being paid and they can no longer collect on a debt that 's been paid. He informed me it was my job to prove the debt had been paid. So I informed him of my confirmation number from my credit card and also the information from the original creditor of the date it was reported paid to them. That was the end. Finally last week I received another letter trying to collect this debt. Today I called yet again the original creditor and confirmed payment and no other accounts with them. The manager also called RCI while I was talking to a representative and confirmed it reported as paid. I was informed it 's all taken care of. I then followed up with RCI to confirm they have it noted as paid ; they said no. I asked them to check with their client services to see if they received a call from XXXX at the Original creditor reporting the specific account paid. She came back on the phone and said yes it 's been reported as paid. I asked if she could confirm that I will no longer be receiving phone calls or letters from them. She became argumentative ; so I ended the call informing them that they have been reported to the Attorney General.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4800.00}.

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 2020-06-08
Company: EQUIFAX, INC.
State: AR
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 bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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. 

XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX {$7700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I created a PayPal account on XX/XX/2020 to sign up for PayPal Credit and purchase a desk from XXXX. The next morning, on XX/XX/2020, I received mail that an issue with my PayPal Credit account had been detected and that my account was permanently banned. Upon calling PayPal, I was told that my account was permanently banned due to some " risk, '' that the exact risk was proprietary information that could not be shared with me, and that there was no appeal process. 

Since then, I have filed a complaint with the XXXX  as well as attempted to work with PayPal 's Office of Executive Escalations to understand why my account was limited, sending several emails in XXXX, XXXX, and XXXX. I received a response on XX/XX/XXXX via email, as well as a phone call from PayPal Executive Escalations stating they would allow an appeal and asking for additional information, including my ID and a statement from Synchrony Bank ( the issuer of the PayPal Credit account associated with my PayPal account ) that any issues with the account are resolved. I did contact Synchrony on XX/XX/XXXX, and confirmed they did not deny my application for PayPal Credit and that my account was open and good standing despite PayPal preventing me from using it and saying the application was denied. 

On XX/XX/XXXX, the XXXX  administratively closed the case, despite it not being resolved. I have not heard back from PayPal, nor has their website allowed me to upload any additional information supporting my case. I believe this is a violation of the Fair Credit Reporting Act and the Equal Credit Opportunity Act, as any denial requires a letter of adverse action be sent with the reason for the denial.

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 2017-03-21
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient is the loan servicer for my wifes student loans, FAFSA, we have been making payments on these loans for several months but Navient keeps sending the checks back to us and changing the address where we need to send them. I have been trying to sort this out with them and I am getting no where. they have since ruined my credit because they say my payments have been late. I am getting fed up, they now are telling me they will not except checks anymore and only debit or credit cards will be the excepted form of payment. I should not have to give them a personal debit or credit card number because this only gives them the right to invade my bank account or credit card account to steal money. All I want to do is pay these loans as agreed, why are they so difficult to deal with? they are rude, and down right hostile about any inquiries I made, and they call up to twice a day sometimes. this is really unethical and I am fed up with the whole thing.

Company response to consumer: Closed with explanation