BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
No it 's my hard inquiries

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 2015-07-13
Company: SLM CORPORATION
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have a loan with Sallie Mae and I went XXXX XXXX, wisconsin. I have a high payment and was hoping to lower or defer my payment due to going on maternity leave because I will have no income during that time. Sallie Mae was no help to me they want me to pay to defer the loan even while it will still be gaining interest and they do not even offer a loan extension to help lower payments. So altogether I can not temporarily stop payments or try to lower my payments in any way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: Pinnacle Credit Services, LLC
State: NJ
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:
Pinnacle Credit Services , LLC has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. They still trying to pursue this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i have ask on a number occasion to validate.and XXXX have refused to supply me with the information. This account is over 7 years old.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed this account a couple times. XXXX falsely charged me back in XXXX resulting me to switch my service providers. The account was closed in XXXX. Years later, XXXX, reports to the credit bureaus. the information on my report says that they 'started reporting ' in XXXX ... not XXXX when the account was really closed. and it also states that it was closed in XXXX not true. I settled with them under the impression they would remove the file from my report. but now only are they refusing to, but they have since updated the info on my account as of XXXX. I am in the process of drafting a XXXX, if they will not cooperate and remove the closed and untrue file from my report. 

XXXX XXXX XXXX was the cell number. 
***********

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 2016-04-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several account that are reporting on my credit file incorrectly. 
1 XXXX XXXX have me listed as late never late 2 XXXX fraud account not mine 3 XXXX XXXX fraud not mine 4 XXXX XXXX fraud not mine 5 bankrupcy not mine must be mixed file

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 2016-10-13
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian never does a investigation properly. My accounts shout show {$0.00} balance in chapter XXXX. It reports I owe an amount even after it was disputed with XXXX. They have a XXXX account from a discharged chapter XXXX account in 2012 from which is still being reported as negative, when it should have been removed. I have XXXX pages from an investigation that was supposedly done and only XXXX accounts are shown. My energy bill was sent in where it shows I was not late on payments, but it 's shows that I was late on even more months then when it was first reported ... .The other credits have taken these accounts off or fixed the incorrect area that Experian is still reporting wrong. As the attachments show, Experian has XXXX accounts listed either updated or remains but only XXXX are shown

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 2016-05-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX Account Number : XXXX look like this account is not mine, I asked XXXX to send me a copy of this debt with my signature on it showing that this account really belong to me and they fail to reply

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 2015-09-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is updating my XXXX XXXX accounts with bogus information. The XXXX accounts are with a company under a rehab plan. Equifax has update this item numerous time with bogus information in an effort to keep my score low. I contacted the XXXX who advised that they do no update while the loan is in rehab however Equifax has updated numerous times with incorrect information. I have also found that Equifax is reporting XXXX set of payments on their equifax.com credit monitoring service and a different set of information on another monitoring service that I have with wellsfargo credit monitoring. It seems as if Equifax is keeping several sets of records. I have had numerous problems with Equifax over their practices and currently pondering a XXXX dollar suit against them. I most recently noticed that they listed XXXX accounts XXXX days for the last XXXX months. The account has been in rehab for the last XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I paid my XXXX XXXX credit card off XXXX months ago and still not showing it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
they have not addressed my concern and have not validated the accounts. these accounts have been reinserted on my file and it was deleted for been unverifiable account XXXX XXXX XXXX Status Closed Balance {$830.00} Type Collection Payment Status Unknown XXXX XXXX XXXX Status Closed Balance {$790.00} Type Collection Payment Status Unknown XXXX XXXX Status Closed Balance {$870.00} Type Credit Card Payment Status Late

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 2015-06-24
Company: Javitch, Block & Rathbone LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
i keep on getting notice in mail, that i am getting garnishment, for a debit that is not mine. i keep on sending letters back to them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Despite my sending a letter prohibiting calls to my place of employment, and notifying collector that my place of employment does not permit such calls, debt collector continues to call my place of employment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Amount was originally XXXX - settlement of new balance is XXXX. Payments made do not reflect balance of XXXX ( XXXX XXXX, 2016 )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Navient Solutions, LLC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I am being contact because Navient claims I am a customer reference listed by my sister. I have told them repeatedly that I have nothing to do with her accounts and to stop calling me. They leave me voice messages threatening to take further action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-21
Company: Credit Karma, LLC
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
credit report say 's that I lived at XXXX, XXXX XXXX, XXXX. pa XXXX well that is wrong, I never lived at this address..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Had to re certify my income based student loan plan. AES did not obey my request to discontinue automatic payments, and then after my IBR plan was approved, they still took out the prior amount. They set the " effective date '' of the plan in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: Receivables Management Partners, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
No one ever contacted me about the debt. I had no idea until I saw it on my XXXX report so I called the medical facility I owed ( XXXX XXXX - {$160.00} ) and paid the debt over the phone via credit card. Ref # XXXX - Author # XXXX - Trans # XXXX - Date paid XXXX XXXX, 2016 Time : XXXX - I have not been able to contact berks collections but this is still on my credit report and I want it off. please

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Sale of account

Complaint:
I settled a debt with Citicard previously with a 3rd party debt collector on behalf of Citicard and then instead of closing the debt they sent the remaining balance from the original amount to another debt collector who reported to the credit bureaus that the debt was a new debt. It is my understanding Citicard was under litigation for such practices and I was to report it immediately. I have a settlement letter from the first debt collection agency stating that I settled the amount. My credit was affected by this and I am extremely unhappy and would like Citicard to erase this issue from my credit report completely.

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 2016-01-03
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Credit card
Issue: Other

Complaint:
Hello, I have been a client with Target since XX/XX/XXXX however ; my credit reporting is only reflecting from XX/XX/XXXX and on. My overall credit rating took a hit since my history is not being reported in full. I ask that you report my credit in full since opening this card in XX/XX/XXXX. Let me know if you have any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Sullivan Asset Management, LLC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
XXXX got this debt firat and then sold it to XXXX XXXX and then sold it to Sullive asset management. all collectors violated fcra, fdcpa and tcpa along the way. ( SEE CALL LIST WITH XXXX PHONE NUMBERS CALLED OVER THE LAST 7 YEARS )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other fee

Complaint:
I was contacted via phone - the person claimed to be a Citibank representative and said that they called me to lower the interest rate on my credit card. They asked about my phone number, type of my Credit Card, my CC number and the expiry datye of the CC. They asked me to confirm the last XXXX digits of my SS number. I suspect this might have been a scam and the info they obtained could be used to purchase goods. I would like to ask for verification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I depostited {$250.00} to a passbook savings account with TD Savings bank on XX/XX/2010 in the name of XXXX w/ XXXX and XXXX XXXX the day XXXX was born. I went to the bank last year to withdraw it. They said they did n't have it and they stated that they sent it to the State of Connecticut. I called the State of CT and the STATE said they do n't have it and asked the bank to supply the " line item info '' if it was in fact sent to them. I have been to the bank 2 times since. The bank manager takes copies of the passbook and states they will get back to me but they never do. It has been a year. Can you please help. I want my grandsons {$250.00} with interest

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Chase United Visa sent a fraudulently requested card to an address in XXXX, Massachusetts without confirmation from us first. The Chase Visa representative said that the phone number the criminal was calling from showed up as my cell phone number and they used my husbands name and bank where payments are sent from. Chase did not ask any other security questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Chase issued a Amazon.com visa signature card without me applying for it after they sent me a letter that they had insufficient documentation for issuing that credit card, for which i have never applied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-07
Company: ACS Education Services
State: OK
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I 've been paying on my student loan for years and can not get it down. XX/XX/XXXX I paid the interest in full with my tax refund which brought the loan amount back down to it 's original amount of {$13000.00}. I 've been trying to pay the minimum payment plus interest but every month so far it 's gotten out of hand and I ca n't make the extra payment which means I will never get this paid. Is there anything at all I can do to get them to stop adding on so much interest EVERY MONTH? I can not find another company willing to consolidate this private loan. This was a XXXX school located at XXXX XXXX in XXXX XXXX, which may no longer be around.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed Original Creditor : Ford Credit, approximately, {$890.00}, however, that was in 2001. 
I received a letter yesterday, attempting to Collect on this " Over '' 10year, debt.This debt doen not even appear on my XXXX Credit report. Would you please " look '' into the Validity of this Nature, please. Thank-you, sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company is CCS companies calling my place of employment to collect a debt. I do not want them calling my place of employment at XXXX, XXXX XXXX Government. My name is XXXX XXXX and can reach me at XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company has reaged a debt that was from XXXX as XXXX it is being reported inaccurately also they never sent me notice of this debt and put it on my credit files. I want it removed from all XXXX beaures

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: North American Credit Services
State: AK
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Had previously reported personal identity theft to FTC. Personal information was used to purport a false medical claim against my credit resulting in a lower credit score. I did a search for the collection company, North American XXXX XXXX, which only resulted in a private XXXX page. Then did a search with the given #, XXXX XXXX XXXX XXXX, resulting in a list of consumer complaints - this same # posing as a telemarketer, a collection company and also a warranty service. Checked the BBB page which stated the company was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Valentine and Kebartas, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
VALENTINE & KEBARTAScalling fromXXXX XXXX XXXX called me almost XXXX timeswithin the past few monthsDo not have debt owed to " VALENTINE & KEBARTAS " They have been told to stop harassing me with these constant never ending phone calls.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: ENOVA INTERNATIONAL, INC.
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Cashnet.com.slowly charges you for both the loan and the fees are not written that each time you draw out money you are charged.but it is not a one charge it also becomes part of the loan which can hike a {$200.00}. loan to XXXX.after you draw out the XXXX.i think that is wrong.and i want out of cashnet. com.had this acct since XXXX.and untillXXXX.i paid for a {$400.00} loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Penn Credit Corporation
State: FL
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:
On XXXX XXXX XXXX, I received a notice by mail from PennCredit Corp ( XXXX XXXX XXXX XXXX, XXXX ) attempting to collect an outstanding electric bill from XXXX XXXX ( XXXX, XXXX ) at a previous address which I no longer resided for service dated XXXX XXXX, XXXX. Due to an error by XXXX XXXX, the service was not disconnected on the requested date and instead was billed to me for a service period in which I had already relocated to my newly purchased home. My attorney ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX ) sent a US Postal Service certified letter to PennCredit requesting verification of debt, as well as instructions to cease all further communications to myself pursuant to 15 U.S.C.1692 ( c ) except for communication necessary to forward the debt verification information requested, as well as documentation showing PennCredit had registered with the office of Financial Regulation as required by XXXX Statutes. No further response was received from PennCredit in XX/XX/XXXX. On XXXX XXXX XXXX, I received another letter form PennCredit for the same alleged debt, once again lacking any documentation requested in the certified letter sent to them on XXXX XXXX, XXXX. At this time, It is my belief that PennCredit has violated the Fair Debt Collection Practices Act pursuant to U.S.C. 1692 ( c ) by contacting me directly without the requested validation of debt as instructed by certified letter, by contacting me directly when a cease communications was requested by certified letter, by failing to provide validation of debt and company registration within the required 10/30 day period, and by attempting to collect an invalid debt after an expired statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: DC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I am receiving emails from Springleaf Financial Service indicating that they need to verify my income and identity to process my loan request. I have n't requested a loan from them.

Company response to consumer: Closed with explanation