BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: AZ
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2015-10-29
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to get my annual credit reports Monday XXXX XXXX, 2015. I was asked by the site " Annual Credit Report some question, most I think I answered correctly but when I pressed the next button, I was told my credit reports would not be fort coming. I seems that I did not answer all the answers to the computers liking. 
Many of the questions were really strange to me, such as what county 's have you lived in, I have lived in the county I now live in for over thirty years, one of the other questions was what make of car or cars have I owned. the County one got me for as you can see I have been in the county for over thirty years. 
When asked the questions that I was asked by Annual Credit Report, I am not sure what they want, since the really have no idea about me. They may try and lookup some information, but that does not me it is correct information, or that they have on their computer the correct information. 

I tried to call them but was unable to find a direct contact number where I would be able to talk to a live person and get this problem resolved. At the same time I tried to contact equifax and experian to talk to a live person, but constantly got told to go to their websites. 
I was able to contact XXXX XXXX an talked to a live person, and they told me that they would send a hard copy for both my wife and myself. 
At this time I feel that the Company that all three of the major credit reporting companies " XXXX, experian, and XXXX should be shut down, if I am having this much trouble trying to get my Annual Credit Report. 

Sincerely : XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old XXXX  PLEASE HELP ME PLEASE

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 2020-05-15
Company: WELLS FARGO & COMPANY
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage is showing as being in forbearance with Wells Fargo on my credit report. I was never given an explanation of the status. I just went on the website and requested the assistance due to COVID, even though I have continued to make the payments. I called on XX/XX/20 and requested that it be removed from my credit report and it is still showing. 
I want it removed & I want the unscrupulous tactics addressed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do owe money back to a phone carrier but they never mentioned I had rights nor did they sound professional. They never gave me the option to reject. No choices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I will skip over all of the nefarious practices that Navient has been engaged in since ( at least ) the life of my Joint Spousal Consolidation Loan plan. My main goal now is to have a copy of my Master Promissory Note. I received a letter on XX/XX/XXXX stating the XXXX would be sent out within 10 days. I have yet to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been disputing incorrect information being reported about my student loans since the beginning of XXXX. XX/XX/XXXX I had gotten an alert about changes on my report. I was appalled by the blatant lies and incorrect remarks I seen by an XXXX  associate. I immediately filed a dispute, and even with undeniable evidence against them, they refuse to admit their fault and remove this account, They have it listed as a WRITE-OFF when I clearly consolidated my loans and they were paid in full. The account in question is PAID IN FULL and is within 6 months of being 7 years old, and they refuse to remove it and this is a violation of my personal information because ( 1 ) the information in INCORRECT ( 2 ) I have paid this account in full and ( 3 ) I have to fight enough because of XXXX  exposing my data in a data breach and I am now a victim of identity theft because of them. This account should be removed!

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 2020-10-06
Company: Cedars Business Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX 2016 I rented a car in XXXX, XXXX. After I returned to U.S. The rental car company e-mail me that I had speeding ticket. 

This XXXX, A company named CEDARS BUSINESS SERVICES located in XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. This company find this case thru XXXX US Embassy website, that is a open source for anyone want to contact you. The only proof of speeding is the automatic camera shooting. 

This self- claimed speeding ticket collector is not authorized by XXXX Police Dept . Any scammer can go after you. Maybe he buy the debt thru a outsourcing agency. My question : it is legal to collect debt by this way? Those con artists must be cracked down

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
To whom it may concern, I am currently an authorized user on 2 of my cousins account. I been paying responsibly. My issue is XXXX and XXXX are not reporting it to transunion and other credit agencies. It shows up on my XXXX  which i will show you in my pictures. I have called both XXXX  and XXXX and both companies said they would update this and have not done so. Which is effecting my XXXX score which I will also show a you a picture of difference between my transunion and XXXX. All I am looking for is for everyone to have my accurate information on file. To my understanding of the fair credit report act this situation should have been fixed as it's been over 45 days and this is still not updated.

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 2017-03-15
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt should be paid by XXXX indigent/charity care!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: TRANSWORLD SYSTEMS INC
State: WA
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:
The city of XXXX erroneously issued a parking ticket to me in XX/XX/2015. After a couple of phone calls and a letter, the municipal court vacated the ticket ( the police officer had a typo when they put in the license plate number ). 

The court had sent me to collections with Transworld ( TSI ) ; I spoke with their representatives twice in XX/XX/2015. On the second phone call, they assured me that they had record of the court 's update and that the issue was resolved. I asked them to mail me paper indicating this, they assured me that they would no longer mail notices and that that was sufficient. However, they recently started calling me again and the collection is still on XXXX of my XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: First Data Corporation
State: CA
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:
I wrote a check # XXXX to XXXX XXXX for {$20.00} in XXXX, Ca. They ran the check electronically ( Telecheck ) to get their money right then, but did not give me back the check. XXXX XXXX deposited the check through their bank. They got paid XXXX times. My bank reversed payment on the first electronically made payment. Now the check service has forwarded the debt to TRS Recovery Services, Inc for collection. TRS Recovery Services would like us to pay them for this again. They have called XXXX times before XXXX XXXX. My wife has talked to three different people at TRS about this and they still ca n't get it right. I have talked to XXXX XXXX, they said they would call ( Telecheck ) and take care of it. They have not done this at this time. Now this is going on my record that I wrote a bad check. Guess what? I 'm not buying from XXXX again! 
What can you do about this?? I have all the paper work from the Bank. I have forwarded this to the TRS Recovery Services. Fax # XXXX Can you give me any help on this? 
Thank you!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-21
Company: Global Credit & Collection Corporation
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls my house with an automated recording saying they are trying to contact me but then they hangup. They call at least 6-7 times every day for the past 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My previous complain the issues was not resolved and you just closed it I did not get an answer! No one is answering my questions Can a successor in interest modify a mortgage loan? 
Now, if you are a successor in interest on a home, you are now entitled to make a Request for Information about the loan ; dispute the lender 's accounting ; and participate in loan modifications, just as if you'd been the original borrower. 
XXXX XXXX XXXXXXXX Mortgage Servicing Rights Now Extend to Successors Not On The... 

The law changed in XX/XX/2018 we are suppose to be treated like the original owner! It was changed by RESPA please I need an answer why I still need XXXX my ex to sign a liability form when he signed all rights to me and he is no longer on the deed! He has moved on like he said

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 2016-06-01
Company: Penn Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A XXXX representative told me that they would delete this account from my credit profile ( specifically told me that almost word for word ) if I made the payment. I made the payment while in collections, and the account is still showing on my credit report through Penn Credit. XXXX needs to uphold their word and have their collection company remove this account from my credit profile. This is a bait and switch scenario.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I 've been receiving regular calls from XXXX. The name is not displayed on my caller ID, but it is a collection agency called Retrieval Masters. If I do not pick up I will get several calls a day. 

Upon speaking to the collector, I am told that I owe XXXX dollars to XXXX. The problem is that I am positive that I paid this debt last year. I have no proof, simply a very strong memory of doing so. I also do n't think that they have ever stated their company name. 

That said, memories can be wrong. I have asked, each time they 've called, for them to send me a letter detailing the amount owed, time of debt lapse, and all the other pertinent details. My first request was over a month ago ; I have received nothing in the mail and I know it is my right to ask for this information in writing. 

This last call from them, which happened today ( XXXX/XXXX/2015 ), I was threatened with a serious ding to my credit report. All of this combined is unacceptable behavior from a creditor in my mind. So I 'm filing this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
As per their online advertisement, I started a " Chase Plan '' financing option on XX/XX/XXXX for my XXXX XXXX ticket purchase of {$5500.00}. The terms & conditions were outlined clearly online. I took screen caps of them. I also called in to confirm they were correct and was told the financing offer was whatever showed online for the XXXX tenure options. I accepted the terms as shown and started the 18 month payment plan. I was sent a confirming email again specifying these terms. My next statement again confirmed these terms. I paid the first payment amount shown as due accordingly. 

On XX/XX/XXXX, I received a strange email informing me that this Chase Plan had been ended as it had been paid in full, although it had not the balance had instead been rolled back into my regular account balance absent any notice to me. I immediately called the customer service line and was transferred XXXX different times to XXXX different agents over a period of almost an hour, none of whom were able to explain what was going on. I was ultimately disconnected by the call center absent any resolution. Nobody called me back. 

I proceeded to their XXXX space for help next on XX/XX/XXXX providing all details & copies of documentation. They also failed to resolve the issue. Attempting to explain that the plan had been cancelled out due to a refund from the merchant- but that refund was for an entirely different purchase of a different amount which had nothing to do with this XXXX nor a chase plan. 

On XX/XX/XXXX I mailed a letter and more copies of all documentation to their service center. No reply. 

I want my original purchase of {$5500.00} less my first payment immediately returned to the Chase Plan in which I originally enrolled per the terms you advertised when I entered it on XX/XX/XXXX & a credit back of any fees or interest charges which XXXX have resulted in their inappropriate cancellation of the plan in the interim. 

The only reason that I purchased a second XXXX XXXX ticket for my daughter was due to the financing terms I had enrolled in for the first XXXX. They can not clearly advertise and confirm this financing agreement and then withdraw it after it has been accepted and started. Thats both false advertising and illegal bait & switch tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Innovis
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX I am filing a complaint to have my credit file information blocked/freeze do to inaccurate information. My name is XXXX XXXX XXXX my DOB is XXXX my SS in XXXX. PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX PLEASE DELETE THE FOLLOWING PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX XXXX I was unable to complete the full course due to health issues I was pregnant at the time and I had to take a medical leave of absence so I was dropped and the school showed no sympathy or concern for my health or education I was not in the right mental state at that time and I left the school did not share my best interest or give me the options that best suited my needs as promised I contacted the school while I was in the hospital and they did. It put me in medical leave

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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