BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-14
Company: QC HOLDINGS INC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XXXX XXXX, 2020 I went into the store 's location : QC Financial Services, Inc ( LendNation ), XXXX XXXX XXXX, XXXX Louisiana XXXX, Phone| ( XXXX ) XXXX, and made a payment of {$350.00} in full and signed the receipt, but the agency claims that I did not make my payment. It is clear that an employee at the agency has taken the money and failed to follow through with the transaction. I have filed a police report with the local Police Department ( XXXX ), and will follow through with the complaint, thoroughly.

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 2020-02-14
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been in contact with XXXX XXXX  and they have stopped collection activity on this account and the fraudulent account have been removed from both XXXX and XXXX. Why is it that your company Equifax is still reporting the fraudulent account. Not only that your company Equifax is reporting an account that is a result of identity theft. Not only was I not aware of this account, XXXX XXXX never gave me notice to dispute the validity of this account before inserting it into my credit file.However they have notified the credit bureaus that they have ceased collection. I am formally disputing this account once again as I am a victim of identity theft and this account is a result of thereof. Please remove this account from my credit file that you maintain.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: College Foundation, Inc.
State: NC
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 have repeatedly asked College Foundation of North Carolina to look into why i have three derogatory late payments on my credit when i have never been late since have this student loan for over 15 years. It was set on automatic pay. They are refusing to show where they made the mistake and it has adversely affected my credit for the past several years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax Information Services LLC has been notified by me numerous times that they are incorrectly reporting the balance of my child support account of mines by over {$40000.00}. I have provided them all the factual information to verify the correct balance with the Child Support agency, I have provided them legit documentation from the State of  California secure website that stipulates the correct balance and still they refuse to correct this account. I have provided them all documentation they have asked for and went back and forth with them for over one year. In light of the fact i know i am 100 % correct of the balance, i am taking this step as required by law before pursuing legal action in California Superior Court. I have already obtained an Attorney and been advised to take this FINAL step before proceeding with a court of law. I have been denied credit due to this high inaccurate balace, paid higher interest rates and been through emotional distress from creditors who have denied auto loans on my behalf specifically because they say the debt ratio of my equifax credit file is took high ( from equifax reporting the wrong balance )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check from XXXX XXXX in XXXX, Texas on Monday into my checking account for {$3100.00} at their ATM and then found out they were putting a hold on the funds until XX/XX/XXXX : Hold Transaction layer Deposit Hold {$3100.00} Total amount delayed, available XX/XX/XXXX at XXXX XXXX ET I have deposited their checks before with access the next day. I am being discriminated against, I don't know anyone else locally who is being subject to these one week plus holds! 

I spoke with customer service a couple times and a supervisor who said there is nothing they can do.

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 2017-08-30
Company: Law Office of David A. Bader, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I HAVE BEEN IN COURT AND JUDGE GAVE XXXX XXXX IN XXXX WIN OVER COURT HEARINGS THEY WENT ON PROCEEDED WITHOUT ME HAVING ATTORNEY TO HELP. AFTER REVIEWING ALL THE CASE I FOUND THAT IT IS NOT MY DEBT, HE DIDNT PRESENT PROOF ONLY PAPER THAT CREDIT CARD CO GAVE HIM. ALSO STATE OF OHIO STATUE OF LIMITATION IS 6 YEARS TO FILE THEY DIDINT GET JUDGMETN XX/XX/XXXX FILED THEN JUDGE GAVE JUDGEMENT XX/XX/XXXX BIENG OVER TIME LIMIT OF OHIO TO COLLECT DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Conduent Incorporated
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I have been calling ( XXXX ) XXXX to receive my XXXX XXXX Card for Unemployment benefits ( Missouri MO Access Card ) being deposited. I get hung up on after waiting at least 1 hour EVERY TIME. Its is IMPOSSIBLE to get thru. PLEASE HELP ME. I DESPERATLY NEED MY FUNDS. The website mo-access.com does not have a way to put in your SSN.Only thru putting in the card number which is impossible if you don't have the card. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX/Resurgent have failed to provide me with all the information I have requested from them to validate the debt, this has been going on for 2 years or more. I have disputed the amount because I was not under contract any with XXXX, my monthly bills do not add up to {$1600.00}. I have requested a detailed summary of the amount they claim is owed, not just a paper stating that I owe the amount. I want a complete statement of the all charges they are claiming I owe and they have failed to do so numerous times. 

They have this reported to the credit reporting companies and I have disputed with them as well and everyone fails to investigate correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received the attached letter in the mail ( un-certified mail ) but did not open it immediately. I set it aside assuming it was junk mail. This was in XX/XX/2022. 
At the end of XXXX, I noticed on my XXXX card statement that my credit rating had been diminishing since XXXX. I then remembered the letter from the lawyer and opened it. 
The letter from Weltman, Weinburg & Reis claims that I owe {$8000.00} to XXXX XXXX  and they are assigned to collect the debt. Note that the account listed on the letter ends in XXXX. 
Other than the account digits, the letter makes no explanation of why I allegedly owe the debt. 
I have had only a single XXXX XXXX  account ( checking ) for 30+ years, and the account number does not end in XXXX. I have NEVER borrowed money from XXXX XXXX. 
I called XXXX XXXX  on XX/XX/2022 and spoke with their debt collection department. They assured me of two things : 1 ) I do not, and have never, owed any money to XXXX XXXX. 
2 ) XXXX XXXX  has their own collection department and they do not use 3rd party agencies to collect debts. They were not familiar with Weltman, Weinburg & Reis.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: WELLS FARGO & COMPANY
State: IL
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
I have received a payment of  XXXX   XXXX  from  XXXX  's central bank (  XXXX   XXXX  ) which was credited to my  XXXX    XXXX   account. The transaction came short of the missing {$38.00} which were routed through a  XXXX    XXXX   in  XXXX  an d Wells Fargo in the US.    The client informed me that they sent out the full amount however the information received from  Wells Fargo ( below )  missing following info :  1  ) the amount received and sent out to Chase bank in Illin ois 2 ) Th e fees and commissions charged b y Wells Fargo.    Question : why the transaction was structured to result in MAXIMUM amount of fees and why the fees were not disclosed as required by law.       XXXX   XXXX   VIA :  XXXX   XXXX   XXXX ,  XXXX    XXXX   :   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,  IL  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX  (  XXXX  )  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX   XXXX   XXXX  SSN :  XXXX  TRN :  XXXX  Incoming wire transfer

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 2017-04-21
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Second complaint on  XXXX   XXXX   XXXX   XXXX . We have not disputed that they step out of the Federal Credit Reporting Act Guidelines and reach out to speak to a person that I never worded that was my retained attorney I received my private verification from my friend that is a lawyer. The contract that did n't exhibit my true signature for a loan from  XXXX   XXXX . My private information was sent to a person that I did n't acknowledge I gave POA to or retained I did received the information. How did  XXXX   XXXX  send a letter verifying my 30 days on the debt on  XX/XX/XXXX    but placed the actual debt without verification on my report  on  XX/XX/XXXX ? Sin ce I have filed this compliant  XXXX   XXXX  has placed this on all  XXXX   XXXX  reports after violation of the Federal Reporting Act and sending information that they need verification after they placed on my credit report in  XXXX .     I will file in  XXXX   County Court for f raudulent and misuse of T exas Debt Act an d violation of my privacy by contacting and sending my personal information to another party.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Other

Complaint:
Complaint is that I and all are being manipulated via the issuing of extremely lower FICA scores generated by individual lenders. In this case Synchrony Bank who maintains the greater majority of my retail credit cards,  XXXX  accounts currently being challenged and my score is  XXXX  pathetic. I have paid off my mortgage and other accounts and in lieu of going up it goes down. I have been denied credit and the ability to get a loan and they both the credit bureau and lenders point at each other. By opinion lawless sham for consumers have no protection from anyone- none!

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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 a XXXX credit card. I have had this credit card for over 8 years. The payment history reporting is incorrect to all 3 bureaus. Payment history shown on my reports only goes back to XXXX, but should go back the 7 years allowed to XXXX. This is resulting in inaccurate on time payment percentage calculations that are significantly impacting my credit score. I first noticed this problem when I was late on a payment in XXXX of XXXX. I have disputed this information with XXXX card. I believe I began the dispute in XXXX of XXXX. They closed the dispute and nothing has changed. I have called them several times since then, most recently in XXXX of XXXX and they now say there is nothing they can do on their end, that it is the credit reporting agencies who are in error. I filed a dispute with XXXX in XXXX of XXXX. They sent me an email saying they had closed the dispute. I called them to follow up and was told that they do now have the payment data going back to XXXX but that it would take until the last week of XXXX to show up in their systems. I checked on ( XX/XX/XXXX ) and it was still not showing up. I filed a dispute on CFPB with XXXX, Transunion and XXXX on XX/XX/XXXX. XXXX has closed the dispute after claiming that they have verified the information they are showing from XXXX is accurate. However, the information is still not accurate. As of today ( XX/XX/XXXX ) the most recent payment shown on the XXXX report is XXXX of 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 2022-08-16
Company: EQUIFAX, INC.
State: MN
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 a XXXX credit card. I have had this credit card for over 8 years. The payment history reporting is incorrect to all 3 bureaus. Payment history shown on my reports only goes back to XXXX, but should go back the 7 years allowed to XXXX. This is resulting in inaccurate on time payment percentage calculations that are significantly impacting my credit score. I first noticed this problem when I was late on a payment in XXXX of XXXX. I have disputed this information with XXXX card. I believe I began the dispute in XXXX of XXXX. They closed the dispute and nothing has changed. I have called them several times since then, most recently in XXXX of XXXX and they now say there is nothing they can do on their end, that it is the credit reporting agencies who are in error. I filed a dispute with Equifax in XXXX of XXXX. They sent me an email saying they had closed the dispute. I called them to follow up and was told that they do now have the payment data going back to XXXX but that it would take until the last week of XXXX to show up in their systems. I checked on ( XX/XX/XXXX ) and it was still not showing up. I filed a dispute on CFPB with Equifax, XXXX and XXXX on XX/XX/XXXX. Equifax has closed the dispute after claiming that they have verified the information they are showing from XXXX is accurate. However, the information is still not accurate. As of today ( XX/XX/XXXX ) the most recent payment shown on the Equifax report is XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am a consumer. I sent several certified return receipt Afffidavits Of Truth with Clerk Of Court acknowledgments of the Affidavits and Notary Public. 
1. ) Certified Return XX/XX/XXXX 2. ) Certified Return Receipt XX/XX/XXXX 3. ) Certified Return Receipt XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Ca n't add XXXX to account online at 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 2022-08-16
Company: Experian Information Solutions Inc.
State: MN
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 a XXXX credit card. I have had this credit card for over 8 years. The payment history reporting is incorrect to all 3 bureaus. Payment history shown on my reports only goes back to XXXX, but should go back the 7 years allowed to XXXX. This is resulting in inaccurate on time payment percentage calculations that are significantly impacting my credit score. I first noticed this problem when I was late on a payment in XXXX of XXXX. I have disputed this information with XXXX card. I believe I began the dispute in XXXX of XXXX. They closed the dispute and nothing has changed. I have called them several times since then, most recently in XXXX of XXXX and they now say there is nothing they can do on their end, that it is the credit reporting agencies who are in error. I filed a dispute with XXXX in XXXX of XXXX. They sent me an email saying they had closed the dispute. I called them to follow up and was told that they do now have the payment data going back to XXXX but that it would take until the last week of XXXX to show up in their systems. I checked on ( XX/XX/XXXX ) and it was still not showing up. I filed a dispute on CFPB with XXXX, XXXX and Experian on XX/XX/XXXX. XXXX has closed the dispute after claiming that they have verified the information they are showing from XXXX is accurate. However, the information is still not accurate. As of today ( XX/XX/XXXX ) the most recent payment shown on the XXXX report is XXXX of 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 2020-02-14
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:
I HAVE REVIEWED AN UPDATED COPY OF MY CREDIT REPORT AND FOUND SOME ACCOUNTS REPORTING ON MY CREDIT THAT DOES NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. I HAVE NEVER IN THE PAST MAKE ANY TRANSACTIONS CONNECTED TO SUCH ACCOUNTS. THIS SITUATION HAS CAUSED A LOT OF DAMAGE TO MY ACCOUNT AND I AM ASKING FOR AN INVESTIGATION TO TAKE PLACE ON THE ACCOUNTS. I AM ALSO ASKING THAT THE DEROGATORY ACCOUNTS BE REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2017-04-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
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:
ATTN : Legal Dep artment, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsecti on ( 8 ) ( D ) . The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, sect ion 623, subsection ( 7 ) ( A  ). To date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   It is my understanding that the FC RA 623 ( 8 ) ( E ) ( iii ) establish es a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as :  Portfolio Recovery Associates   XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: OH
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 have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation