BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I called Portfolio Recovery Services to attempt to settle a debt. They informed me that I already had judgements filed against me in a state that I haven't lived in since 2010. I also question the amount of the original debt. The operator on the phone was unable to see who signed the certified letter that received the documents that summoned me to court on both cases. I do not know why they sued me in a state I haven't lived in for a decade. I did not have a fair opportunity to respond to either suit and was unaware of it even happening until I called them to settle the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: TN
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:
Navient handles my student loans. Looking over my student loans - I have a fixed payment loan over 30 years at a 6 % rate. The payment allocation varies wildly. On one instance, a payment made on XXXX/XXXX/2015, 100 % of the payment was allocated towards interest. My original amount of the loan was XXXX after consolidation. The terms were set for 30 year repayment with the monthly payment being XXXX. I do n't pay extra at any time, I 've saved a pdf copy of my loan repayment history and the allocation. I can not find the terms of my loan on the website. While mortgages and student loans are different, at a fixed interest rate, ultimately, the amount paid should be the same - so I looked at the amortization calculators and entered my loan information - it estimates monthly payment at about {$130.00}. I 'm really just completely confused and never thought to look until seeing the news about Navient. So, my question is, if I 'm paying about XXXX extra dollars a month - which would be approx {$10000.00} over the life of the loan - am I missing something or is this completely incorrect?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
they removed this from my credit report XXXX {$2700.00} Which is in good standings and want back on all XXXX reports.

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 2016-09-18
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting incorrect information on my credit report. I tried disputing this information online but the system would not allow me to do so. 1st issue is capital accounts acct # XXXX they did not allow me the mandatory 30 days to dispute this item. Along with not giving me the proper time frame which is breaking the FDCPA. They also are reporting the wrong balance. My 2nd complaint is experian re-inserted my mandee 's charge account/commenity bank into the potentially negative part of my credit report. I submitted a letter from commenity bank/mandee 's that this account was never paid late. Experian moved it to the correct part of my report last month ( accounts that are satisfactory ). Then this month they re-inserted it into accounts that are potentially negative. I have disputed this and finally had it corrected and now they put it back into negative again. My main complaint is teacher 's federal credit union is listing as discharged through chapter XXXX bankruptcy. I NEVER did bankruptcy so this information is completely untrue and incorrect. This is listed twice on my credit report. I have contacted experian numerous times in disputing this information and it just keeps updating. Having this incorrect information reporting on my experian credit report is affecting my credit score in a negative way and making it very difficult for me in obtaining substantial credit.

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 2016-10-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
When working on building my credit, I took out a loan from XXXX XXXX XX/XX/XXXX. I paid as agreed and on time until XX/XX/XXXX ( 12 months ), at which point they offered me a new loan and to consolidate the remaining balance of my old loan into the new XXXX. Since 12 months of payment history was reported, I decided to do this to help my credit scores even more with another loan. I paid that loan off XX/XX/XXXX. During this time, I had not missed a single payment on my loans, however, the original loan was never reported as closed, and shows a 90-day late payment XX/XX/XXXX and two 30-day late payments as well. 

I have disputed this account several times with the credit bureaus, of which Experian and XXXX WILL NOT remove the account, XXXX did on the first dispute. 

This account reports my ONLY late payment in my credit reports and is harming my credit scores and making me pay higher interest rates for all of my loans. 

The fact that Experian and XXXX will not properly investigate the account is the primary issue. I 've contact Lendmark on multiple occasions and have received multiple verbal responses ranging from " I see the error and will get it corrected '' to, " we have no record of a late payment '' to " We do not show your other account with us ''.

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 2020-12-31
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase has committed several errors related to my mortgage loan # XXXX and I request they conduct a reasonable investigation and correct these mistakes immediately including : They have falsely and incorrectly claimed that I am behind on this mortgage when I have made every payment that is due under the terms of my loan. I have made on-time payments on the loan since I took the mortgage loan and have made direct payments to Chase and its predecessors from my banks bill-pay system from XXXX, 2020 through XXXX 2020. Chase is reporting contrary, negative information to me and the credit reporting agencies that is false and deceptive. I have provided proof of payment to more than one person at Chase, most recently XXXX XXXX, escalation supervisor. I have been told repeatedly that Chase is relying on information provided by XXXX ( the predecessor to Chase ). I have provided proof to Chase that XXXX XXXX records are incorrect, including most recently a letter from XXXX admitting the errors I have pointed out and confirming I was up to date when the loan was transferred to Chase. 

Chase is currently reporting to the credit reporting bureaus that I am late on my mortgage payments when I have paid all the mortgage payments due on my loan to them and their predecessor. I have also received repeated calls from Chase 's Account Services requesting payment for the alleged late payment. Chase is aware that the records they received from XXXX  are inaccurate and they should correct them without further delay and to report that inaccurate information into the data marketplace by the credit reporting agencies..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I recently applied for a loan through my local credit union. After not hearing anything for a week, I was notified by the credit union that I had been flagged as fraud due to a report given them by Experian. The information Experian kept on file was nearly 10 years out of date. I have changed address and my name has changed due to citenzenship and marriage. When I contacted Experian to resolve this issue the representative gave me a fax number and told me to send all pertinent information to that number. The fax number was for a company that may be called Experian Consumer Relation Group, XXXX, XXXX, or Experian XXXX XXXX. The correspondence uses all XXXX names ambiguously and it is unclear which one is the one which I contacted. They sent a letter ( enclosed ) stating that they are unable to make any changes and directed me back the phone number for Experian. They have stuck me in a hand off cycle and no resolution, or attempt thereof, has been made.

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 2015-08-17
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I 'm being reported for having a credit card with target. My wife has the card and we are separated. I do n't use the card because I live in XXXX Georgia and she lives in XXXX Georgia. I do n't have a target card and every time i check my credit report, because she 's use the card it 's damaging my credit. I would like it removed please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX or XXXX, 2020, I contacted XXXX XXXX regarding my XXXX XXXX account. I inquired about the continuation on the COVID-19 program. 
The agent informed me that I was eligible just as I was in XX/XX/2020, I was told that making a payment was optional. I was further advised that the next payment is due in XX/XX/2020. 
Although a payment was optional I made a payment anyway of XXXX. I made the payment on XX/XX/2020 via internet. On the same day, I contacted XXXX XXXX regarding XXXX XXXX account was behind 29 days. I was sure that my account was enrolled. I encountered the same issue with XXXX XXXX with enrollment on the COVID-19 last month. 

On XX/XX/2020, I received multiple alerts about a negative reporting on my credit file. XXXX XXXX reported my XXXX XXXX accounted 30 days late while supposedly enrolled on this program. I strongly believe this is an oversight by agent and XXXX  XXXX  may be experiencing some technicalities with this COVID-19 suppression/deferment program as the same issue I reported regarding my XXXX XXXX account. 

Due to the reasons above, I am asking that the 30 day delinquency for XXXX to be removed from XXXX XXXX account & from all three credit reporting agencies TransUnion, XXXX, and 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 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX  Account XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-11
Company: Second Round Limited Partnership, Austin, TX Branch
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I check my credit reports several times a month and this collection for {$890.00} from Second Round just showed up on my XXXX  and XXXX  credit reports. I tried disputing them on agencies websites since XXXX. Date opened was XX/XX/2019 according to XXXX  website. My data was breached when XXXX  lost all that data. Why didn't this account show up on my credit reports until Second Round got it?? All of my actual accounts are in good standing and always have been. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Ceannate
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i 'm force to pay money I do n't owe, I have money taken out of my check. I care for husband with XXXX this service has refused my notices, letters ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have requested that these fraudulent items be removed from my credit reports. The credit bureaus have not provided proof that these are my items. I have not seen a contract or a signature for any of these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31
Company: NCB Management Services Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted NCB Management, Via certified mail it was signed for on XXXX XXXX, I ask them to verify account, within 30 days, they never did, but they updated the account on my XXXX Credit Report on XX/XX/2020. When I spoke to a representative, I was told that I needed to contact the company. On XX/XX/2020. I received a letter stating that they couldn't substantiate my claim and asked my to send over any information, that may have to help them with this account. XX/XX/2020, they received a letter stating that they have 10 days to removed said account from my credit report. Haven't heard anything from them since than, But XXXX  updated my dispute on last evening saying that the account was updated and not deleted. I need help ....

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: FX Quick Cash, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A debt collection company XXXX XXXX using several different phone numbers continues calling my house for a debt that is not mine. The phone number they are using currently using is XXXX but they have called using several different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Avadyne Health Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
inaccurate information on my credit report. a active account is open that was included in my bankruptcy. I have tried to contact this company several times myself to no avail. this account should no longer be on my credit report as it was included in my bankruptcy and it should not be showing active

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Netspend Corporation
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I applied for a online bank account with a company then got a debit card and account from another company and didn't know it might be a scam but I had put some cash on it and set up an account on their app and I payed for a few items but when I tried to get back on the app I couldn't login again, I tried several times and then to rest login info and still can't get back on, there's still some money on the card and account but I tried to order another item it wouldn't let me, it said account info not complete but I tried putting in the info and it still won't accept it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have a charge off account with University XXXX at XXXX that has been paid in full. I have alerted all XXXX major credit agencies to inform them with accurate information. Provided the contact information of the original creditor which is XXXX XXXX XXXX ( XXXX ) whom works at the university and is in charge of the account ; so they can confirm/verify that the account is paid in which agreement was made to have the account deleted from all reports. Each credit agency failed to follow through with my investigation even after I gave them the contact information. I keep getting the same results from them stating '' consumer disagrees, account is accurate ''. That is wrong and incorrect. If they follow through like they 're supposed to then they will find out that the account is indeed paid off and that the original creditor agreed to delete this from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-31
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I signed into my checking account to check my balance & after signing in saw XXXX was available.After checking the transactions, I saw {$1100.00} was available after my Social Security was deposited even though there was no Recent debits.I called the bank but they refused to explain the difference.

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 2021-04-20
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Not only have I never heard of this agency/service, but I NEVER consented in any way shape or form for my information to be shared/used by or to this agency/service. Since when do any bankruptcy courts report to credit agencies/services? Last time I checked they DONT. I DEMAND this service & ANY other service that shares my information without MY CONSENT be completely removed or cleared from ALL credit report ( s ) IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: United Debt Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them {$1200.00}. A man named XXXX XXXX is calling me stating that I have to appear in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Reporting all companies that were never authorized to use/ my pull information. 
View the list below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMERICAN EXPRESSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a tax lien on Equifax. I am not disputing that I owe taxes, I pay a monthly sum to IRS every month. What I have been trying to get cleared up with Equifax is that they are reporting incorrectly. I sent the first dispute out on XXXX XXXX, XXXX nd since then have received 3 letters from Equifax stating they have validated that the tax lien is reported correctly. I have asked for proof of validation and they state they validate with the court. I know for a fact that they are reporting incorrectly and also that the IRS does not validate anything, including the $ amount of the tax lien. Equifax is refusing to remove the tax lien from my credit report and I feel that they are taking advantage of consumers and are getting away with incorrect reporting. The lien was filed in XX/XX/XXXX and the amount has changed since that time and is not correct at all. Equifax s not following the Fair Consumer Reporting act that states the following : " Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that information has been modified or deleted from the file of the consumer. '' What I clearly have is an unverifiable tax lien thats reported inaccurately and is really hurting my life.

Company response to consumer: Closed with explanation