BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-28
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:
TransUnion is reporting an unverified Chapter XXXX bankruptcy since XX/XX/2016 with a reference number of XXXX. It shows as dismissed and never discharged. I checked with the North Georgia Bankruptcy Count where I live and they informed me that they do not share any information on bankruptcies and other public records with any credit reporting agencies. Therefore this bankruptcy information may have been acquired unethically without proper verification. 

I have disputed this items several times and it has been removed from XXXX  and XXXX  for inaccurate reporting.

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 2017-03-13
Company: CAVALRY INVESTMENTS, LLC
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This has been an ongoing issue for the last 10 months. I disputed this with each of the credit reporting agencies 3 times each, sent the company an E-Mail once and even a certified letter. As of today, the result was in compliance with FCRA or pending. 
Cavalry is a debt buyer that has bought my XXXX account. I did own up and knew this was my debt so I paid for it to Cavalry. 
Back last XXXX, XXXX XXXX I noticed that XXXX had aged off my credit report, and that the collection account remained. It is my understanding that collection accounts are deleted at the same time as the original account. I disputed this XXXX XXXX and reported the response back that it meets FCRA Guidelines. I tried to dispute again in XXXX XXXX and received the same response. XXXX XXXX, I am disputing this again and I am awaiting the investigation results. 
In the meantime I E-Mailed Cavalry in XXXX XXXX and received a response. " Cavalry reports account information to the credit reporting agencies consistent with the industry mandated 'Metro 2 Format ' reporting guidelines. Unfortunately, we are unable to honor your request to remove Cavalry 's credit reporting. " I honestly do n't care what software they use, point is there is a problem at their end and just because they use the required software should not mean its OK to make an error. 
I did also sent Calvary a certified letter, pending delivery but feel I will be receiving the same response. 
So I have credit reports going back 10 months showing that XXXX is NOT listed on them. But on those same credit reports I am showing the collector Cavalry is listed, with a note that is is a collection account for XXXX ... but there is no entry what so ever for XXXX. Cavalry is consistently refusing to help me, I even give references to articles on collection accounts being deleted with original accounts but they are not even budging. From everything I read this collection account should not be listed on NONE of my credit reports. They obviously continuing the debt longer then it should be on my reports, because the original entry is at all no longer listed on my credit reports. I gave it more then enough time in case of a simple month or so delay in reporting but 10 months later of reporting a collection on an account that has already aged off my credit report ... that is at least 10 month that I know of. 
I am going on this issue aggressively this time around because it is an issue that can not wait any longer on getting corrected. 
Again, I may be repeating my self, but I have a collection account that still hanging on my credit report where the original creditor has aged off my report. This has been happening for at least the last 10 months and Cavalry refuses to correct this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this debt with Portfolio Recovery, and they considered it validated because, as they stated they meet FCRA requirements. However my privacy has been violated! 


I never gave permission to have access to my information. How is that legal? My consumer privacy rights have been violated. Portfolio Recovery needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I attempted to make a zelle payment transfer out of my account which was blocked and I called them they fixed and told me to try it again upon my second attempt it blocked it again. Now I repeated the process and called them got to hold lifted and tried again. But with no fail it blocked it again now this is probably the seventh time that day that the account was blocked due to a transaction and every time I called in immediately to get it lifted I don't know why was so hard. Then they needed a phone number that I can use for verification that was registered to me and I gave him a number which I used every time I had to call them then it just stopped working they weren't allowed to use it now today XX/XX/2021 the phone number did work again but they tell me the only way I can get my account opened or access to it is to go to a local branch I live in XXXX Ohio the nearest one is in Illinois or Washington DC somewhere I do not live in California no more which is where I opened it I've offered him every type of information I can to verify my identity my social my birthday my address telephone number account number debit card number pin number and that is not enough apparently all I want is access to my account and the drain the funds and call it a day

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This item was disputed previously. 

Transunion manually updated this Tradeline. 

However - it is an orphaned record from XXXX that has n't been updated since they converted to XXXX. 

This account : 1. Was opened XX/XX/2014 2. Is missing its ALL Balance History for the duration of the time the account had been open 3. Is missing ALL Payment Data for the duration of the time the account had been open 4. Is incomplete and inaccurate

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 2021-07-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
I had a lease from Nissan-Infiniti starting from XXXX. And I payed off the lease on XX/XX/XXXX. But my credit report is still showing that the loan is open and I have balance XXXX. 

I have talked to Nissan and they verify that my account is payed off and close. But the credit report company got different info.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In   XXXX  , I contacted my student loan servicer  ( Nelnet )   about enrolling in the  Public Service Loan Forgiveness  program. In order to qualify, I was advised to change from a standard repayment plan to EITHER an extended or income-based plan.  Nelnet  has documentation that this was the advice that I was given. On the basis of this advise, I switched over to an extended plan, only to find out  three years later ( on my own - not through Nelnet ) that the 30+  loan payments I made while working for a qualifying  XXXX  ( c )  XXXX  nonprofit do not count toward the  120 payments that I need to make for my loans to be forgiven because despite what I was told by Nelnet , only the income-based plan - not the extended plan - is considered a qualifying plan under PSLF. I contacted Nelnet  and they acknowledged that they gave me incorrect advice, but refused to take any action to rectify the situation. Who knows how many people besides me are enrolled in extended repayment plans under the false impression that their payments are counting toward their debts being forgiven due to shoddy advice given to them by their loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call from a person who did not identify them self or the company they worked for and informed me, that I owed XXXX bank money for a credit card. I informed the person on the line that, I have never had a XXXX credit card and that- if I was to pay the card she must provide me with some proof that I owed that money. I was informed that I opened the card in XX/XX/XXXX and must make arrangements to pay or I would be taken to court for the payment. I responded, " I have never had an XXXX credit card. I do not know who you are and what company you are calling from. If you want to get any money from me send something in writing or take me to court. Because, I know I have never had a XXXX credit card. '' I had not heard nor received any thing from this person who did not identify herself or the company she was representing until. I was served with a court summon that I was being sued by XXXX as Bank of assignee of XXXX XXXX XXXX XXXX XXXX, XXXX./XXXX , XXXX The problem I have with this is : 1 ) the person who initially called me misrepresented herself and the company in which the debt was owed. 2 ) XX/XX/XXXX, XXXX wrote off this bill. Thus leaving a balance of zero owed. 3 ) The original bill of sale was from XXXX XXXX XXXX to XXXX XXXX XXXX, XXXX 4 ) The XXXX bill of sale was to XXXX. 5 ) XXXX has no documents with my signature proving that this is a valid bill that belongs to me in the court documents filed. They purchased the loan XX/XX/XXXX. Why has it taken 3 years to contact me regarding a bill that they say I owe. I have received no correspondence from this agency regarding this bill. I have had the same phone number for the last 4 years. 6 ) This bill was sold and purchased in XXXX, I am not sure if they are legally able to operate in the state of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EOS Holdings, Inc.
State: LA
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've been disputing this inaccurate account for over the past year via USPS Certified Mail. EOS CCA the information furnisher that's recorded by XXXX  records this account that Re-Ages every month when this collection agency falsely states that this account has been verified, this account is now Re-Aged to XX/XX/2021. This account still reports an inaccurate OPEN account status. This is unlawful reporting, delete this inaccurate account immediately because it is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Royal Pacific Funding Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Not Sure Where To Begin But My Older Son XXXX XXXX Has Not Been Paying Off The Mortgage For Some Time Now And I Hate To Lose The House My Late Husband And I Sacrificed So Hard For Throughout Our Lives. I Been At XXXX XXXX XXXX. Since XXXX Of XXXX. Sadly I Lost My Husband In XXXX. But My Son XXXX Took Over All The Finances, Unfortunately Though Things Haven't Been For Good. It's All For His Own Personal Financial Gain. Especially Now That He Finally Found Someone And Decided To Marry And Bring Into Our Home. I'm Scared Of XXXX Everything. My Younger Son XXXX Would Be A Better Fit. Although His Significant Other Suffers From Various Health Issues On A Daily Basis And He Also Is Raising A XXXX Year Old XXXX XXXX Child. I Don't Know What To Do! I'm Sad And Lost And Everyday I Get Older. My Loan Number Is : XXXX With XXXX XXXX Funding. I've Even Let My Mortgage Company Know Of This Situation But To No Avail. I DON'T WANT TO LOSE MY HOUSE! Please. My Son XXXX Even Pressured Me Into Adding Himself To The Deed Of The House Back On XXXX XXXX And Tricked Me Thinking I Was Adding Both Of My Sons, XXXX And XXXX. Who Can Help Me??!!! Time Is Of The Essence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I received a screenshot from mother of a letter she opened in the mail stating that they demand payment in full of all principal, interest and any outstanding fees. At the bottom of the letter it says call us to make payment arrangements. I called their customer service and was asked to verify my information with them which o nly 1 of the 3 contact pieces they had were correct. My address seemed to be right in their system yet I have never received any correspondence from them about my student loan. When I called I was told that the letter demanding payment in full was not true and they tried to apologize for that being sent to me and also told me they have no payment arrangement options available except for forbearance ( but only if you are a certain number of days late ) otherwise they have no other ways to assist a borrower with making payments and coming current. So basically the letter I received was not right and they had no way of pulling it up to confirm that with me. I am frustrated because no one in the company knew the differenc e between payment arrangements and forbearance when I tried to go into detail about what could be available to me. I got no help and was told to look at my promissory note ( that i signed in  XXXX  ) and see what options are available to me under that if any are or if my loan defaulted that it would go back to citibank and they would come after me. ( THIS COMPANIES NAME IS   XXXX   XXXX   WHO NOW SERVICES AS OF  XXXX / XXXX / XXXX   XXXX  STUDENT LOANS )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt collector continues to call my in laws over a debt. I have never lived with my in laws nor ever given out their number and they have nothing to do with the actual debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: AL
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:
The account with XXXX XXXX is paid, but the account status is not reflecting that the account is paid. The status/condition of the account is still being reported as derogatory although the balance is XXXX. Again, there is a zero balance. The account is PAID. The account status/condition is NOT correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2021 I sent out disputes to the bureaus pertaining to several accounts and 2 specific accounts that are just being updated but no changes. The bureaus are just updating the account as investigated but not providing any documentation pertaining to their investigation or providing their method of verification. XXXX XXXX and XXXX XXXX show different last active dates and XXXX XXXX have been re-aged by 5 years so if your are verifying these accounts then how in the XXXX are you and clear violation of the FCRA with all these inaccuracies and errors and not removing these accounts from my credit profile. Please remove these erroneous accounts from my credit profile immediately! Attached are the disputes and proof of my identity for authorization to investigate this matter.

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 2021-07-29
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not know these accounts reporting in my file. Please help me get them removed. 

CONVERGENT OUTSOURCING ( Original Creditor : XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) THE XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: Viking Client Services
State: AZ
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I rented a car from XXXX XXXX XXXX Rental back in XXXX of 2014. I returned the car in the condition that I received it. The employee XXXX walked around the car, got the mileage, and I paid for the rental. 9 months later I received a bill XXXX stating that owed {$77.00} XXXX {$25.00} administration fee, {$25.00} loss of use fee, and {$27.00} in damages to the vehicle ). I contacted Budget and asked why 9 months later I was receiving a bill and how did they know that I was the XXXX that caused the damage. I was n't given a response as to why it took them 9 months. I was told that the reason they knew I caused the damage is because they are " a document based company. '' The representative also stated that the employee 's sole responsibility when taking the car back was to expedite the return and not check for damages. I was n't given any recourse to dispute the charges. I had my attorney mail a letter to XXXX requesting that they send documentation proving the damage was caused by me and I received no response other than a generic letter stating that I needed to pay otherwise the debt would be sent to collections. A few months later, I received a letter from a collection agency stating that I owe them the {$77.00} and that I have 30 days to dispute the validity of the debt. It is unreasonable to take 9 months to claim I had returned a damaged rental vehicle. I am disputing the fact that I had caused any damage to the vehicle and that XXXX should be required to alert the customer to any damage before they leave the lot. Otherwise, how can XXXX prove that the damage was caused by the customer? I am also frustrated with their lack of explanation regarding the damage and my rights to dispute the charges. I have A+ credit and XXXX is taking advantage of the fact that I do n't want my credit affected, so they feel they can send a bill without proof and I will pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: WELLS FARGO & COMPANY
State: KS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bank with Wells Fargo, I am a 100 % service-connected XXXX Veteran and I have encountered so many problems with this banking institution. On XX/XX/2020 @ approximately XXXX XXXX, I contacted WF bank to confirm verify my checking account routing/account information for the Stimulus Economic Impact Payment. I told the representative why I needed to verify and I was given incorrect information twice, not once but twice and then told by the representative, " Good luck with that '', in a recorded conversation, as if they knew it was the wrong information given to me. 

When I called the bank to rectify the situation and requested that someone contact the ACH delivery department/Exceptions dept re-route my incorrect routing/account number to the correct routing/account number, by the way, WF bank publicly advertises to be the originator largest in America ACH over XXXX XXXX transactions ... .., I am told that nothing can be done. 

I am on a fixed income and during this coronavirus pandemic I am having difficult times financially due to crisis everything XXXX down etc. 

My finance problems are now compounded due to unprecedented unprofessionalism by Wells Fargo and in my opinion, just blatant disregard or care for me as a customer or being XXXX. I have never encountered anything remotely close to the disrespectful, unprofessional and unethical demeanor/behavior towards me as a customer/consumer from any other institution ever. The lack of professionalism is repulsive unethical. As a XXXX person having difficulty navigating through these obstacles ACH and during covid19 crisis, the representatives for the most part are neither caring, nor seem to care none whatsoever in how they speak too or relay banking information in a professional proper manner. 

As a result of the carelessness and recklessness disregard of Wells Fargo, I am now going to have to wait weeks maybe months to recieve a stimulus Impact Payment I could have recieved on XX/XX/2020 but now because of intentional wrong routing/account information given to me now I have only {$8.00} in one acount and {$18.00} in another account while Wells Fargo Bank could careless and talks down to me like I am a peasant. 

Please help

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