BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-30
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted by this company who would only till me they were from ERC. I asked what this was about the guy refused to tell me. I told him to not call this number as it is a cell phone. I don't have any business with you and you do not have my permission to call. They called several more times after that one time being a lady who said sorry and hung up. I have only had this number for 6 months. I have never received anything from this company concerning a XXXX debt I know nothing about. This account was previously disputed though XXXX XXXX XXXX and found to be unverifable.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Capstone Credit & Collection, LLC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted them and they refuse to validated the debt and they advise me they can not dispute the accuracy. Date reported XX/XX/2018 collection charge off/ last four account number XXXX amount {$5900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: American First Finance, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize American first finance to pull my credit report on XXXX XXXX XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: MS
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:
On my Equifax Credit Report, XXXX Credit Report and My XXXX credit reports My XXXX Credit Card and My XXXX XXXX XXXX Card accounts are not showing as reporting on my reports. Thus causing my credit score to be lower than they should actually be. Hendering me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: AES/PHEAA
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
IrecentlyreceivedcommunicationfromCFPBindicatingmycomplaintaboutFedLoanServicingwasresolved.However,CFPB'sreplydoesnotaddressrecently-identifiedissuesthatmyon-timepaymentsmadetoXXXXXXXXXXXXXXXXwerenotcountedtowardmytotalforPSLFduetobillingmistakesmadeonXXXXXXXX'part.ItalsodoesnotaddresshowFedLoanServicingwillcorrectproblemswithintheircall-insystemthatIhaverepeatedlyexpressedconcernoverandthatpersistwithinthatcompany.

InmyreplyIindicatedIwantedtoknowhowmanypaymentsarenotbeingcountedtowardmytotalforPSLF,howthosewillultimatelybeappliedtothetotal,andalsohowtheproblemsthatexistwithinFedLoanServicing'scustomerservicecall-insystemwillbefixed.Frommyperspectivethisbusinessisavoidingtheissue.

IfIneedtobeginaformalcomplaintwithXXXXXXXXXXXXXXXXoranotherbusinessentityIwouldappreciatereceivingexplicitguidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: COLLECTRON, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Today, Tuesday, XX/XX/XXXX, I received a call at work from Collectron a company in XXXX, GA attempting to collect a debt from a company that I had not heard of ( XXXX XXXX  ). I asked if it was a doctor 's office and which Doctor it was for. They were not able to tell me. I also asked that they not call my work number and asked to have a detailed bill sent to my current address. I was told that they were not able to send anything until I made a payment. After I refused to do so I was transferred to the caller 's " Boss '' at which time I was screamed at and told I could " do this in one of two ways '' split the payment or pay it all at once over the phone. He did not identify himself when I asked for his name. I told him that I was not able to speak t him in detail at work while he continued to scream into the phone. I hung the phone up on the caller.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, my Venmo account was hacked by a XXXX XXXX. A total of XXXX dollars via Venmo was sent using my XXXX XXXX Credit Card. I reported it stolen and was found not responsible and that it was fraud. I was credited back the amount of {$2000.00}. I then tried to use my Venmo account again and it was frozen. Venmo wants me to settle with them and pay them back the {$2000.00}. I keep telling them it was fraud and they said no it wasn't and will not work with me at all. I have filed a police report with the XXXX XXXX, MN police department. XXXX # XXXX. XXXX XXXX XXXX on XXXX. They will not further investigate the fraud payment due to them not having anymore info on this XXXX XXXX from XXXX, FL. Venmo will not make my account active again and at a XXXX balance until I PAY them back which should not be my responsibility at all!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-17
Company: Experian Information Solutions Inc.
State: SC
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:
I have tried on at least two occasions to have credit inquires that I am unfamiliar with removed from my credit report. However, the major bureaus state that there is nothing they can do about it. 

XXXX, XXXX & Experian : XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX/XXXX XX/XX/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 2018-01-30
Company: Navient Solutions, LLC.
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient took over my student loan from XX/XX/XXXX in XX/XX/XXXX right in the middle of a lawsuit i was a third party beneficiary in.

We won that lawsuit and settled out of court. It is a conflict of my best interest to have them mess my life up any more with their unscrupulous business practices.

I have requested in writing a copy of chain of title and they are up to their own XXXX ways again and not responding to my letters and request for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Hello, Thanks for forwarding the issue XXXX to TransUnion. They mailed me the results of their investigation on disputes and resolved the issue. However, upon reviewing the personal information section of the report, I noticed that it is incomplete and inaccurate for certain records. The file number they assigned is 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 2018-01-30
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I receive robo phone calls multiple times daily while the spoof a different number for called it, they are asking a lawsuit for loan forgiveness, I haven't had a student loan in over 10 years, I have waited for live person several times and explained the situation and asked to be removed from their call list, they have failed to do so, I am so aggravated and juat want to stop  receiving this call daily, some times several times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Grant & Weber
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
debt was opened XX/XX/2017 and I'm disputing it.

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 2018-01-31
Company: AES/PHEAA
State: TN
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:
I never attended college in XX/XX/2014 so I do not understand these late payments. I never received any bills or statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX reported on my account 3 times for the same information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
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: Public record information inaccurate

Complaint:
I recently submitted a dispute with Experian concerning a public record on my credit report. I was instructed to contact XXXX regarding the issue. XXXX was named as the vendor that verified the public record. I have submitted supporting documents to Experian from XXXX stating that the public record account do not exist. Also, a letter from Bankruptcy court stating they do not report directly to credit Bureaus. I understand that the Experian must physically verify information from the original furnisher. This public record is not reported by the other reporting agencies XXXX and XXXX. I asked Experian in my previous dispute about the non consistent and inaccurate reporting, which was never validated. I submitted all documents to Experian on XXXX XXXX. My dispute confirmation number is XXXX. I would like a proper and thorough investigation. The public record is XXXX Court US BKPT CT TN 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 2018-01-31
Company: Experian Information Solutions Inc.
State: OK
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:
Filed for bankruptcy on XX/XX/XXXX. Experian flagged my credit report with the bankruptcy information. All the companies I filed on also reported "debt included in discharge through Bankruptcy ChapterXXXX" with closed. Including XXXX, I also filed on them and included them in my Bankruptcy. I received my discharge XX/XX/XXXX. Experian has not flagged my credit report as discharged and all my accounts reopened. This information is not correct. I have disputed with them and nothing has been done.

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 2020-04-27
Company: Experian Information Solutions Inc.
State: TN
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:
A ACCOUNT THAT IS NOT MY ACCOUNT HAS YET TO BE REMOVE FROM MY REPORT

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 2018-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There was debit card purchase on XX/XX/XXXX with XXXX XXXX XXXX and I used my Business Bank America Debit Card ending in XXXX for the purchase the amounts were as follows: Here is the information to provide to your credit card company for this issue : OnXX/XX/XXXX/XXXX, three credit card transactions were processed in the amounts of XXXX, XXXX, and XXXX on credit card ending in -XXXX. On XX/XX/XXXX, our credit card processing company advised these three transactions were rejected by the cardholder as unrecognized transactions and were charged back. The funds were charged back to our Merchant account on XX/XX/XXXX in the amounts of XXXX, XXXX, and XXXX. Bank of America is still saying that they do not have the money and they will not give me a credit for these amounts.  I call everyday 2 to 3 times a day and I still get the same answer. I’m at my last rope with this bank and they are not trying to accommodate the customer at all and the merchant has been paid twice via wire.  I just want my money back in my account and the bank (Bank of America) is lying to me and they do not want to give me money back

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 2020-04-27
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:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

DPT EDXXXX XXXX {$430.00} DPT EDXXXX XXXX {$7100.00} XXXX XXXX XXXX {$470.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$470.00} XXXX   XXXX {$1400.00} XXXX XXXX {$770.00} XXXX XXXX {$1400.00} XXXX  XXXX {$2600.00} XXXX XXXX  XXXX {$58.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$730.00} XXXX XXXX {$0.00} XXXX XXXX {$360.00} XXXX XXXX  XXXX {$170.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1300.00}

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 2018-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion XX/XX/2018 XXXX # XXXX Transunion has XXXX XXXX as Charge off showing on my credit file. I dispute the information by transunion unless a document from XXXX XXXX is provided as proof. I have attach a document showing from XXXX XXXX there is or no money owed to XXXX XXXX. I need document letter showing from XXXX XXXX there is money owed or was owed on this loan and for Transunion to provide what is ask by documented proof from XXXX XXXX disputing the attach document I have from 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 2018-01-31
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medical Business Bureau sent me a bill for {$93.00}. I did not recognize the bill and did not believe that I owed the debt. I requested in writing validation of the debt, I also followed up with a phone call. This company has never provided written verification of the debt. They are violating the Fair Debt Collection Act, which requires them to provide debt verification after a consumer requests it. Medical Business Bureau is violating this act by refusing to provide verification of the debt. The act states : " the collection agency must send you proof that it owns or has been assigned the debt by the original creditor. Verification that you owe the debt and the amount of the debt needs to include documentation from original creditor. '' I never received this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: LEXISNEXIS
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am in the process of cleaning my credit up do to identity theft. Lexis nexis has several items on my report that don't belong to me and/or are a result of identity theft. While they have deleted several items, several remain such as Name variations, my name is XXXX XXXX XXXX, in the past 25 years I haven't used another name. My maiden name is XXXX. Their are several variations of my name on the report. It also reports I have a Virginia License which I do not and have not ever had. My drivers license information is incorrect, all they have to do is check with Maryland MVA. My license number is XXXX and has been, their is information from XXXX, XXXX, and XXXX that don't belong to me. I have sent them copies of my license as well of my change of address. Lastly there is a bankruptcy from XX/XX/2015 that is not mine. The bankruptcy court say 's they didn't report it to them so I would like to know how they got the information and provide me with all of the identifiers as well as DL information ie picture and ssn number provided to file this bankruptcy. The consumer number for XXXX XXXX is XXXX and the Case number is XXXX. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I Finally Decided To Check My Credit and I Notice That someone Has Been using My Name to Open up Fraudulent Accounts. I did not Authorize anyone to Open These Accounts On My Behalf. 
i did not open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
InXX/XX/XXXX I received a notice from US Bank that I owed money on an account that I did not recognize. I called the number provided ( XXXX ), and they were unable or unwilling to tell me who they worked for, but kept asking for my SSN to verify the alleged account. 

I then received another notice dated XX/XX/XXXX from US Bank alleging an increased amount due for the same alleged account. On XX/XX/XXXX, I took both of these requests to a local branch of US Bank ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ) and met in person with XXXX XXXX. He went on his various systems and verified that based on my photo ID and SSN I have no account with US Bank, past due or otherwise. He then connected me on his internal phone with the US Bank Collections team, and they verified that the alleged account was not associated with me or my wife. 

I have now received a notice datedXX/XX/XXXX, from XXXX XXXX XXXX XXXX alleging a further increased amount due on the same account that US Bank has already verified is not mine or my wife 's.

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 2020-04-27
Company: EQUIFAX, INC.
State: IL
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 have contacted the third-party XXXX XXXX. Regarding Equifax confirmation on my dispute of the accuracies of bankruptcy XXXX, Equifax is reporting on my credit file as Accurate Remain. XXXX XXXX could not and did not confirm all the information that Equifax claimed to be apart of bankruptcy XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Dynamic Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Statue of limitations have passed : called the credit card company have no idea of what I was talking about. Not on my credit report. I advised them not to touch my bank account or that will be a theft, no idea what they were taking about from 2006

Company response to consumer: Closed with non-monetary relief