BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-11
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was the first time I had to acquire a loan, XXXX had sent ads that I could borrow {$6000.00}. I went to the office and applied. The girl rushed me through the paperwork and I was not familiar with interest rates. I think the rate was 25 %. I repaid the {$6000.00} but was charged an additional {$8000.00} on the {$6000.00}. My dispute is that they have the loan posted XX/XX/XXXX, I obtained the loan XX/XX/XXXX or earlier which has been at least XXXX years. The {$6000.00} has been paid back, I explained the situation and said you have been paid back what I borrowed. I feel this is a crime what they have done to me, not only have they exceeded the money I borrowed in interest they have also ruined my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have sent multiple certified letters to the bureaus in regards to a charge off account that is showing on my credit report by the name of XXXX XXXX. According to the Fair Credit Reporting Act as a consumer I am able to request proper validation that proves that this account belongs to me. The bureau has failed to provide me with any physical evidence that shows that the charge off belongs to me, yet the account is still causing harm to my report. The only " proof '' I receive is what I can already see on my credit report which is the charge off amount. No signatures, the original amount, etc. I keep getting a response stating the charge off is valid, with no proof. I have demanded deletion of the account.

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 2020-08-10
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Consumer Financial Protection Bureau Complaint # XXXX Filed : XX/XX/2019 XXXX and XXXX XXXX has used AFNI, XXXX XXXX XXXX, XXXX ( Collection Firms ) to attempt to make a collection for incorrect amount. Each time creating a decrease to my credit report. The Creditor : XXXX & Creditor Account # : XXXX XXXX Account # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
WF CRD SVC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you WF CRD SVC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WF CRD SVC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2020-01-07
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a credit card balance transfer rate with Comenity Bank Mastercard with 0 % interest until XX/XX/XXXX. I paid this balance off on XX/XX/XXXX before the 0 % promo rate expired. In fact, I overpaid this account by {$100.00} and they sent me a refund check for the {$100.00} on XX/XX/XXXX. 
They then decided to start charging me interest and late fees after the account was paid off and had a {$0.00} balance. 
I have correspondence with several customer service reps from the bank. One agent took off the {$28.00} late fee and another stated he would XXXX  my account out however this still hasn't happened. ( see attached email stating he would XXXX  out my account ). 

In turn they are calling me, texting me and harrassing me for having a {$30.00} balance which I do not owe. 

I have called numerous times and get nowhere. I don't need this mark on my credit report. 

I am attaching a copy of my XXXX statement of a WARNING NOTICE in RED that states I need to pay my balance of {$1700.00} by XX/XX/XXXX or I will be charged interest. It will show on my XXXX statement ( also attached ) that on XX/XX/XXXX I made a payment of {$1800.00} ( {$100.00} more than I owed ) and that on XX/XX/XXXX the bank sent me a refund and also charged me interest, even though the balance was paid off on XX/XX/XXXX, 4 days before the promo 0 % interest rate expired. 

I am also attaching the email from the agent who said he made my account balance {$0.00} however that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items 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 2020-09-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
After applying for a mortgage loan and finding out my 3 credit bureaus are reporting wrong information on my credit report. My loan is now on hold until this problem is solved! They are reporting wrong addresses on my report, addresses that don't even exist. I have lived at the same address since 1985 and have never used another address. I have lived at XXXX XXXX XXXX XXXX XXXX since 1985 and have never used another address.

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 2022-02-24
Company: Nelnet, 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: Account information incorrect

Complaint:
My student loans have been in deferment/forbearance since before COVID PANDEMIC. I verified that it should not have been reporting as pass due. This is destroying my credit rating and preventing me from living a peaceful life. Please correct. XXXX is showing past due please correct and repair the damage to my profiles. 

Time XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: EQUIFAX, INC.
State: VA
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 submitted a previous complaint, number XXXX, which was closed after Equifax responded -- but the response was in fact a non-responsive " canned '' and scripted answer to my particular issue that did not address my issue. <P/>My issue is that an erroneous inquiry was reported by a credit-issuing company to Equifax, and the erroneous inquiry impacted my credit score by tipping me from one category ( Good ) to another ( Below Average ) on the Recent Inquiries metric. I contacted Equifax and  submitted a faxed request for the correction as instructed by phone when they acknowledged the error ( a social security mismatch ). I have contacted the credit issuer and subsquently submitted a correction request with all the information they directed me to include when I spoke with them by phone and they acknowledged the error. <P/>The error negatively impacted my credit report two days after the erroneous reporting. It has remained negatively impacted for more than six weeks after I notified Equifax of the error. Equifax claims it may take them 60 days to correct their own error -- which is unacceptable given the importance of credit scores on a variety of life decisions including access to apartment rentals, insurance, credit, employment, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: JPMORGAN CHASE & CO.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I tried to to dispute transactions made with the XXXX app connected to my Chase bank account. Bank didn't want to dispute transactions because they went through and didn't see them as fraudulent. 
I was asking for 5 transactions to be cancelled 3 of them were for {$1000.00} one for {$950.00} and one for {$400.00} which adds up to {$4300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Paypal Holdings, Inc
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Dear Sir/Mdm : I have paypal accounts and I load money into my accounts. Then for no reason, they shut me down. Uptil today, they hold my funds for more than three months. 
It is also outrageous that they made Paypal Robots keep sending me formatted replies. Your Robots keep saying : " your account is limited indefinitely and an appeal is not possible. " Please note : 1 ) I never submitted a so-called " appeal '' ; 2 ) What I request is no business relationship with Paypal, i.e., I refuse to keep an account with Paypal, no matter it is " limited indefinitely '', limited definitely, or whatever. 

As I stated from the very beginning, I want my accounts closed and my money returned. I contacted them over ten times with no meaningful response ( now it is no response at all )! 

Thank you for your help with this matter. 

Sincerely, XXXX 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 2016-03-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Recently I purchased a house in XXXX, NJ and got a mortgage through Wells Fargo which included renovation dollars to fix the house. There are XXXX attachments to this submission, documents that I signed in XXXX and then the Renovation Loan Agreement and Rider which I signed at closing in XXXX. The problem is these documents contradict each other. For example, in the XXXX document it says the contractor is responsible for the work then in the Agreement signed at closing it says I am responsible. Which is it?? You will find where I commented on all the ways these documents contradict each other in the attachment of the documents I signed in XXXX. If I was presented with all these documents at the same time, I would have had serious questions but that was not the case. They made me sign them XXXX and a half months apart which I find extremely shady. So since these documents contradict XXXX another, which document am I supposed to follow. I am contacting the CFPB because Wells Fargo has been shady and I feel deceitful through this process. I want others to know about this and I want the behavior to stop. Last, I want Wells Fargo to clearly state which documents I am supposed to follow since they contradict each other. Is it the documents from XXXX or the Agreement I signed at closing? They can not have it both ways when documents contradict XXXX another. 

Please note ... the renovation loan is connected to my mortgage

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 2017-03-06
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I submitted disputes months ago regarding : XXXX - Tax Liens by Mississippi. 
I submitted the LETTER of PAYMENT ( s ) for all XXXX issued by Mississippi Dept. of Revenue to ALL XXXX bureaus. 
XXXX currently shows ALL Liens as RELEASED. 
Equifax still does not show them as released. 
When you try to do an online dispute it is almost impossible to complete. 
XXXX makes it very convenient to file disputes online. 
However, the 1st Question / information you must supply is a XXXX digit report number ... .. this number is not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX never late XXXX XXXX XXXX XXXX never late PUBLIC FILINGS US XXXX XXXX XXXX XXXX not mine Identification already on file, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MI
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:
I have a loan through Navient. Many times they have been unwilling to work with me in regards to assisting with lowering my payments. A couple of years ago, I attempted to file for the XXXX loan forgiveness ( I am a XXXX working for a XXXX ), however they were unwilling to work with me to help start that process. I am now stuck in a graduated loan repayment, as their standard 10 year repayment costs are too much for me, as I am a single parent, and have to pay for the other aspects of life for XXXX under XXXX income. They also state I make too much money ( according to whom?? ) to assist with any other loan payment options, as they were actually more than {$500.00} a month. I just ca n't believe the costs of their loan repayments. I contacted them today about it, and they stated that their loans are through the government, and can only offer what the government tells them to. I 'm not sure if that 's their standard response now due to their impending lawsuits. I feel strongly that I have been overpaying this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX  dba XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) continues to report duplicate my closed and paid XXXX XXXX XXXX card account monthly to Transunion, XXXX and XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX 
This is an on going issue because the accounts keeps being reported fraudulently. It's bring reported more than once aka duplicated which hinders a fair Chance of increase fico score and financial help from financial institutions and creditors. As a woman of XXXX and over XXXX this is definitely a negative portrayal to be trusted for financial loans and or credit to start a possible business or get a loan to go to law school. These practice hurt and keeps the scores from ever going up. It just keeps fico scores deductimg every month.

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 2017-06-08
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
The aforementioned company Regions Bank violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to the debt. This account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,   XXXX   and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this debt.

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 2020-08-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have a letter form Wells Fargo talking about it. They can't fine my savings account with only me XXXX XXXX and XXXX XXXX XXXX  name on the account. I have a letter to provide to you as proof. To show you the trust of this matter. This is a lot of money that they have lost. No one closed the account. So were is the money. Now my rights have been violated by them not have my account open. Under the customer protection act. I need my money

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 2022-01-27
Company: EGL US, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because BMG MONEY have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This credit bureau is improperly reporting a bankruptcy under Public Records on my credit, causing significant damage. Per the Courts, they do not report to credit bureaus and/or share 3rd party information. The credit bureau improperly pulled and/or purchased information from a third-party agency. Therefore, it MUST be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was sued and have a judgment against me that I was not even aware of. I never signed for any papers. I also never talked to anyone on the phone. However, they did call my daughter and my XXXX mother in law that I have not seen or spoke with in over XXXX years. I did not know I had been sued until I saw the charges on XXXX XXXX XXXX XXXX. 
the judgement was for XX/XX/2021 and it was for XXXX. They harassed my family and XXXX  mother XXXX law. but, never talked with me. I am not sure if it is even my debt.. It has been a rough few years... I lost everything bc of the pandemic and also was a victim of credit fraud. I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 been a victim of identity theft. A couple of years ago i lost my wallet which contained my id and social security card and my information was exposed in the XXXX data breach.

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