BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-08
Company: Duncan Solutions, lnc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Professional Account Manage ment LLC h as been attempting to demand payment for a debt that I have already paid. I have contacted them on several occasions to provide proof that this debt was paid, however, they refuse to clear the account and continue to contact me and demand payment.  <P/> I first contacted them on the phone after receiving a bill. I explained the situation, however, they continued to send notices.  <P/> On  XXXX   XXXX   2017  I contacted them again via written letter. I included the account number, violation number, the check number it was paid with, and when it posted to my account. I never received a response. They continued to send me notices demanding payment.  <P/> On  XXXX   XXXX   2017 , I wrote another letter and enclosed copies of the checks that the client they are collecting for cashed. They are still sending notices.  <P/> On  XXXX   XXXX , I contacted the original creditor who sent the debt to the collector (   XXXX   XXXX   ). They stated that I would receive a return call, but I never have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
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:
This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX Balance : {$38000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$100.00}

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 non-monetary relief
Consumer complaint received 2022-01-04
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
XXXX XXXX account for {$360.00} is being flagged on my XXXX and XXXX XXXX reports since XXXX. The collection company is Portfolio Recovery Associates ( PRA ). Since that time I have disputed the charges with PRA and the credit bureas. The entries still remain to this day. 
In XXXX I renewed my efforts to remove this invalid account. Below I have documented my correspondences with these companies as of XXXX, XXXX. 

XX/XX/XXXX Mailed Dispute Affidavits to XXXX and XXXX asking for investigation and removal. 

XX/XX/XXXX Reply from XXXX indicating their investigation found that the account was mine and valid. No proof or evidence given. 

XX/XX/XXXX Received notice from PRA that the account was mine and valid. No proof or valid documentation included. 

XX/XX/XXXX Received reply from XXXX indicating their investigation proved the item was mine and valid. No documentation provided. 

XX/XX/XXXX XXXX XXXX XXXX to both XXXX and XXXX regarding their investigation results. 

XX/XX/XXXX Mailed Dispute Affidavit to Portfolio Recovery Associates. 

XX/XX/XXXX Reply from PRA that did not provide the information I required or that has any valid information regarding my responsibility for the item in question. 

Please note that XXXX did remove this account after their investigation. How can XXXX and XXXX be doing an investigation and saying it is valid without information even I can not get from the collection agency? From what I understand the are not obeying the Law as per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX Account is reporting that my payment for XX/XX/2020 was 30 days late. It was not.

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 2017-06-08
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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting   Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
<P/>
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
<P/>
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.    <P/> Name of Account : Account Number Provide Physical Proof of Verification :  XXXX   XXXX  Unverified Account-No Contract Santander Consumer  XXXX  Unverified Account   XXXX   XXXX   No acct # reported Unverified Account-No Contract

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 2022-10-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) Experian shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 


XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-04-06
Company: National Credit Systems,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:
National Credit Systems has failed to validate or send proof of contracts that I have with National Credit Systems. If National Credit Systems does not send a copy of this contract within 30 days, the only resolution I will accept is to delete the said debt from all credit reporting agencies. As it is a fraudulent account!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please find this message as a formal written complaint about Community Loan Servicing, LLC. On many different occasions, I've used Community Loan Servicing , LLC 's front-facing payment system to make additional payments to my mortgage loan. The system allows you to split the payments to your preference. Multiple times I've had to call the company because they failed to apply my payments as requested. I am very frustrated with their mismanagement. Their system appears to be very deceptive ; allowing one thing but yet doing another. 

I would like Community Loan Servicing to honor my payment requests. Currently, I notice in my suspense account there is a balance of {$5400.00}. Based on the RESPA rules, this should have been directly applied to my periodic payment of {$2400.00}, which it has not. I would prefer since I am up to date on payments, to have this applied to my principle. 

Please have someone help me. 

Best, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Comerica
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
IT IS IMPOSSIBLE TO GET IN TOUCH WITH DIRECT EXPRESS. I CALLED THE NUMBER FOR THE XXXX XXXX AND SOMEONE ASWERED THE PHONE BUT HUNG UP ON ME WHEN I TOLD THEM I DID NOT HAVE A TTY DEVICE. 
THIS SEEMS TO BE A FRAUD WHEN YOU STAY ON HOLD FOR 1 1/2 HOURS AND STILL NO ANSWER. 

HOW CAN I GET MY MONEY. I NEED IT NOW!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/XXXX My chase XXXX pay transferred to a different email id belong to XXXX account XXXX dollars but that email id was hacked by someone and that money was send to chase account person. why bank not refunding my money or not taking any action on the chase person. 
I have raised the police compliant. Hacker transfer to chase person and why chase not investigating that person account i still not understand... I need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in blocking the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: EQUIFAX, INC.
State: NM
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:
It has only been a few years since  XXXX   XXXX  ;    XXXX   XXXX   XXXX   XXXX   XXXX    ; and   XXXX   XXXX   agreed to not conduct any further fraud upon the public.      XXXX  months ago our credit card was ordered to be closed and the balance was paid, in full as agreed upon.     However, in  XXXX  of this year    XXXX   XXXX   XXXX    began billing on the behalf of  XXXX   XXXX  and   XXXX   XXXX   XXXX   XXXX   XXXX   for a renewal fee. I was out of the country and did not see the  XXXX  months of billings with finance charges in our mail.   XXXX   XXXX   was immediately contact and ordered to withdraw any negative reports to all   XXXX   credit bureaus ; immediately cancel any further billing and finance charges on a card that was no long open and useable ; immediately send a letter of apology from all three corporate offices. The only order completed was the discontinued billing and removal of any charges. The company continued to report adverse credit to all   XXXX   agencies.      XXXX   XXXX  has on occasion refused to answer phone calls transferred to a supervisor.     We feel these companies should be prosecuted criminally. Be advised we did not authorize electronic billing at any time.     Regards,   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , NM  XXXX   XXXX  Last  XXXX  numbers on the account :  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: WI
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:
there are numerous inaccuracies reported on my credit report, including unauthorized hard inquiries, unrecognized accounts as well as incorrect demographic information. I have reported these issues to Equifax, XXXX and XXXX since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: EQUIFAX, INC.
State: MD
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:
I disputed this item with equifax on or around XX/XX/XXXX. They gave me an expected date for my results for XX/XX/XXXX. I never received any updated emails, as they said I would. I gave equifax a call on XX/XX/XXXX asking for the results of my dispute for XXXX. The young lady I spoke with, stated they have been sending me emails of updates, but I have not received one email from them. She told me that XXXX  has last reported this account on XX/XX/XXXX and it will not be removed until XX/XX/XXXX. She stated if I wanted this account removed, I would have to get in contact with XXXX. I called XXXX  and spoke with XXXX, who told me that account was closed on their end and he doesn't know why equifax can not delete this account. He said there is nothing else he can do about it and it is out of his hands. I have not used this account since XX/XX/XXXX, and it was closed XX/XX/XXXX. I don't understand why equifax lied about emailing me updates. Also, why is equifax saying the company is reporting the account, when the company said they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Continental Finance Company, LLC
State: NM
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:
It has only been a few years since CONTINENTAL FINANCE ; XXXX XXXX  XXXX XXXX XXXX ; and XXXX XXXX agreed to not conduct any further fraud upon the public. Seven months ago our credit card was ordered to be closed and the balance was paid, in full as agreed upon. However, in XX/XX/XXXX of this year XXXX XXXX XXXX began billing on the behalf of CONTINENTAL FINANCE and XXXX XXXX XXXX XXXX XXXX for a renewal fee. I was out of the country and did not see the four months of billings with finance charges in our mail. XXXX XXXX was immediately contact and ordered to withdraw any negative reports to all three credit bureaus ; immediately cancel any further billing and finance charges on a card that was no long open and useable ; immediately send a letter of apology from all three corporate offices. The only order completed was the discontinued billing and removal of any charges. The company continued to report adverse credit to all three agencies. XXXX XXXX has on occasion refused to answer phone calls transferred to a supervisor. We feel these companies should be prosecuted criminally. Be advised we did not authorize electronic billing at any time. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX Last four numbers on the account : 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 2022-10-07
Company: EQUIFAX, INC.
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2022 Balance : {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: NC
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:
Account with XXXX XXXX is appearing on my credit report. This is a result of identity theft. I have attached a copy of my FTC Fraud affidavit in support. Please block and suppress this incorrect information. 

Account # 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 2017-06-08
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is getting ridiculous. Each month you lie to me. I have had some finical issues and each time people tell me that they will help me and they do n't. They just keep on lying. For example, on  XXXX   XXXX  of this year, I spoke with a gentleman named  XXXX .  XXXX  helped me by saying as of  XXXX   XXXX  he could help me enroll in a program if I paid {$150.00} to keep my account from going to the next person.So I did and I believed him. We scheduled a call for   XXXX   XXXX   on  XXXX   XXXX  to get me enrolled. I left that call feeling like finally, somone helped. Well, I was wrong. He also said he would push all of the calls from me and my cosigners. Well, yesterday,  XXXX   XXXX  my mom was being harassed by Navient, yet again. So I called  XXXX  hoping he could let me know what the issue was. To my surprise, I no longer have  XXXX  I have  XXXX .  XXXX  promised me that he would be my account person now. So  XXXX  tried telling me all of the things I already knew was a problem. I stated to her that to please read the notes, I spoke with  XXXX  and he told me everything would be okay. After several minutes, she magically saw what I was talking about. She agreed to what my deal with  XXXX  was. So again she said I will push all of your calls until we talk on Monday. Which again we scheduled a call for  XXXX   XXXX  at   XXXX   XXXX  . When I hung up yesterday, I was annoyed but at least she understood what the deal that happened only a few days prior. So this morning I am at work and my mom calls and says  Navient  has called 8 times since   XXXX   XXXX   .... It 's currently only   XXXX   XXXX  . Are you serious? I have an arrangement. if someone says they are going to push the calls, they should do their job. I am so annoyed with this company. I 've tried time and time again to work with you guys, spending all my money to pay back these ungodly loans. I need to speak with someone who is competent apparently because I am tired of explaining myself to people who clearly do n't care. Also, these robo calls with  XXXX  are annoying as all  XXXX . Even when you pick up the line goes dead and you ca n't speak to anyone. Seriously this company needs to get it together. Lastly, they say they call me, but I get NO phone calls.

Company response to consumer: Closed with explanation