BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: Southern Management Systems Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've been homeless after I move from apartment call XXXX XXXX so I can not receive mail Hunter Warfield claim email me papers about a settlement offer you have n't proved it also my ex-husband is on this least we had together but I only see it on my credit report we both signed a legal and binding contract I am now divorced from my ex-husband and now I have to deal with that debt I 'm wondering how come they never went after him I 'm not working due to a XXXX but he is when I left the apartment I did n't pay {$1700.00} and then Hunter Warfield climbing out of {$4100.00} this is a nightmare for me I have asked them to send me a paper to my current address. What I was told over the phone is after I paid the full balance I will get a letter a discharge meaning I no longer own it not sure why they would tell a lie like that because they do record us when we call

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have been in contact with all 3 credit reporting bureaus and asked to provide proof of verification as well as validation for the bankruptcies appearing in my public records. I received letters stating that the information was verified via XXXX XXXX and that I should contact XXXX XXXX. I contacted XXXX XXXX and they found the information to be fraudulent and XXXX XXXX deleted the information. I contacted the credit reporting bureaus and mailed copies of the letter from XXXX XXXX and all three refuse to remove this inaccurate information.

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 2022-04-08
Company: Experian Information Solutions Inc.
State: KY
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: Investigation took more than 30 days

Complaint:
XXXX XXXX has information connected to a different person on my credit report and refuse to remove the information with Experian Credit bureau. 
I called and spoke to a XXXX XXXX Fraud representative that stated she could not find my full name in their data system. I explained the accounts are dated before I was established in the US. Then, she wanted my information to mail forms to be filled out. I was hesitant on providing my personal information but they were going to send forms and someone from the company would contact me. She gave me the Claim ID number XXXX on XX/XX/2021. 
Nothing was sent and no phone calls yet two accounts were remove from Experian and a credit card account continues to remain.

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 2021-03-15
Company: PENTAGON FEDERAL CREDIT UNION
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: Account status incorrect

Complaint:
Hello, I am a member of Penfed ( Pentagon Federal Credit Union ). On XX/XX/2021 I applied for their XXXX credit card online but was denied. Instead I received a counter offer of their Cash Rewards credit card. I never accepted that, didn't sign any paper physically or digitally, never made a response to the counter offer. Today XX/XX/XXXX I received the Cash Rewards card in my mail ready to be activated. I called PenFed at around XXXX CST about this and told them I never wanted the Cash Rewards card and never accepted it, and asked them to not have it be reported to my credit reports. The Representative, XXXX told me there's nothing they can do on their end to fulfill my request. Therefore I'm filing this complaint against PenFed for opening a credit card for me without my consent.

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 2021-03-15
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received bills from three different financial services requesting debt from medical services dated XX/XX/18 with different amounts every time. 

I just received a bill of XXXX from Phoenix Financial Services XXXX I received multiple bills from third party collection agencies previous to this bill from other financial service companies. 

However, I did not receive any bill from any medical institution or bill collector with this amount within the 11 month window required by Texas Law. 

According to Texas Civil Practice Law : " Except as provided by Subsection ( b ) or ( c ), a health care service provider shall bill a patient or other responsible person for services provided to the patient not later than the first day of the XXXX month after the date the services are provided. '' Therefore, this collection practice from Phoenix and the previous debt collectors is illegal according to Texas Law from my eyes.

I have communicated this to two previous holders of this illegal debt and they communicated over the phone that I would not be followed up with and my debt was satisfied, however this case got passed on again to Phoenix Financial. 

I have reached out to attorney to advise me, but believe this is wrongful and illegal debt collection and should not effect my credit or my funds as it currently stands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Experian Information Solutions Inc.
State: TN
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:
I called Experian to report that I had received a hard inquiry about an SBA loan on XX/XX/21, that I did not apply for. I had no knowledge about this inquiry. The inquiry made my credit drop down. I was told that the inquiry would be removed. I have worked hard to establish good credit. Will my credit score go back up?

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 2021-03-15
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: Public record information inaccurate

Complaint:
I have been in contact with all 3 credit reporting bureaus and asked to provide proof of verification as well as validation for the bankruptcies appearing in my public records. I received letters stating that the information was verified via XXXX XXXX and that I should contact XXXX XXXX. I contacted XXXX XXXX and they found the information to be fraudulent and XXXX XXXX deleted the information. I contacted the credit reporting bureaus and mailed copies of the letter from XXXX XXXX and all three refuse to remove this inaccurate information.

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 2021-03-15
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
An account shows up on my credit report for " CREDIT COLLECTION SERVICES '' with the original debt listed as coming from XXXX XXXX. The first reported date is listed as XX/XX/2018. 

I have contacted Credit Collection Services to ask for details or policy number for the amount owed. Twice I have been hung up on as soon as I ask for this information. I tried calling again today and was placed on hold while the representative " looked for the policy number '', after a brief hold the call was disconnected. 

I have spoken to 3 different customer service reps from XXXX XXXX ( My current auto insurance company ) and they show no amount owed for any current or previously held policies. XXXX asked me to ask the collections company for the policy number before making any payment to them. 

I am attaching a log of my most recent conversation with XXXX regarding this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I had to take time off from school for a XXXX. The process started in XX/XX/XXXX and the operation was XX/XX/XXXX. I contacted my loan provider and they stated that if I did an IDR that I would have a yr. to heal and get back into school because I had no income. Furthermore, they stated that my husbands income was not a factor because I was responsible for the loans. The application was accepted ; however, I have to pay XXXX per month due to my husbands income. I called Navient back and they told me I had to do an unemployment deferment, which means I have to apply and actively seek a job. this will give me a 6 month deferment. XXXX ; I 'm looking at at least 4 months XXXX before a job is even a possibility. In addition, my husband is on XXXX and looking at XXXX as his Dr. had taken him off work indefinitely for an injury. His student loan company has deferred him until XX/XX/XXXX because he is not making enough to pay his loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Nelnet, Inc.
State: NJ
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:
Account XXXX XXXX XXXXXXXX To whom it may concern : This is in reference to your financial institution response to my CFPB complaint XXXX Be advised that my complaint was not a request for verification or validation of the XXXX XXXX Transaction which will be constituting a dispute. 

I respectfully requested your financial institution to Cease and Desist the sharing of my nonpublic personal information to nonaffiliated third parties, XXXX, XXXX, and XXXX. pursuant to XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ). 

XXXX XXXX XXXX - Protection of nonpublic personal information. 

XXXX XXXX XXXX ( a ) Privacy obligation policy It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. 

I submitted my complaint on XX/XX/2022 through the Consumer Financial Protection Bureau, because of the unfair and deceptive practices that NELNET uses against XXXX like myself. 

The provisions of XXXX XXXX XXXX ( a ) state It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

XXXX XXXX XXXX ( o ) - States Any person who negligent in failing to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any damages sustained by the consumer as result of the failure, and in the case of any successful action to enforce any liability under this section, the cost of action together with reasonable attorney 's fees as determined by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased a table from XXXX XXXX XXXX in the Fall of XXXX. Received the table damaged in XXXX XXXX XXXX. Called XXXX XXXX XXXX  to return the table they told me it wasnt an option. 

Called Truist to dispute the charge. Received the credit. 

XXXX XXXX  XXXX I get a call from XXXX XXXX XXXX asking why I disputed the charge. After I told them it was because when I tried returning it they told me it wasnt possible they informed me that theyll now accept the return. They came and picked it up. 

A few weeks later Truist puts the charge back on to my account and wont let me reopen or file a new dispute. Ive called over XXXX times; emailed the evidence of the return. Even spoke with managers at local branches. Nothing is being done. They always tell me the choice is up to a department that can not be contacted.

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 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Credit Reporting Agencies continued to violate my consumer rights I report Fraud accounts on mu consumer report, filed a FTC report. Even after being informed the continue to be inviolation.

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 2020-03-24
Company: Performant Financial Corporation
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
COLLECTOR IGNORE CEASE AND DESIST AND BOUGHT TAX DEBT FROM INDIANA AND ILLEGALLY CAPTURED MY IRS  REFUND! JUST GOT OFF PHONE WITH THEM AND THEY CLAIM NO TAX LIABILTY IS PRESENT AND BECAUSE THEY SOLD SAID DEBT TO COLLECTOTS.SEE ATTACHED LETTERS.

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 2017-03-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card
Issue: Billing disputes

Complaint:
explain why in the heck captiol One refuse to redo the math for the hardship program that they put me in- meaning they are telling me that it will take me 60 months to pay off a loan {$1500.00} at a 7.4 % at {$42.00} a month The company refuse to tell me how they got their math- this is their response " its whatever the computer say '' XXXX - my math says at {$42.00} a month at 7.4 % it will take 48 months NOT 60 months ... .but you see capitol one refuse to listen- just to let you know I spoke to the office of the president staff and even email the CEO- of course this is something he does n't give a XXXX about. You as a so call consumer financial protection what are you going to do about it that captiol one 's math is wrong and are you condoing that its OK for them to collect more money when they are not suppose to? I want answers!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Attempted to open an account with Synchrony Bank to purchase a bed from XXXX XXXX beds at 0 % interest. After 45 minutes of confirming identity via video and photo uploads and various personal information ; the bank denied the ability to open the account based on XXXX  not having my correct information. This I know to be untrue. I just recently had my credit checked for a multi-million dollar loan. All went fine with that. Shocking that a {$2800.00} credit card was denied. So shocking that it seems to me there is malice afoot. 

Clearly, this bank either isn't well run OR is running a fraudulent operation to gain consumer data. Either way an investigation is needed. 

Please let me know what information you need from me to pursue this investigation. Happy to help. 

Thanks, 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 2022-10-27
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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: Account status incorrect

Complaint:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609  ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 
XXXX XXXX XXXX XXXX : {$66.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Ability Recovery Services, LLC
State: KS
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 have no choice but to report this company that is reporting on my credit bureau. I have never had any business in " XXXX '' - i have submitted several disputes through experian and this has yet to be deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Colony Brands, Inc.
State: WI
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:
On XXXX I was alerted that my name, address & SS number were used to open an online line of credit with a company named " XXXX XXXX XXXX' in XXXX, WI and made a purchase to buy products from this company. I called the company directly and was able to put a lock on the account to prevent future purchases while they investigated my Identity Theft-Fraud claim. The shipment was not sent, so I was not liable for cash. Two more attempts were made to make purchases on XXXX & XXXX, neither which went through. No more attempts were made. I followed up with a letter to the company to confirm my statement. After several phone calls and being given the run around, on XXXX, I sent a letter from a template available on IdentityTheft.gov to request that my credit report be amended and that the Hard Inquiry of my Credit Report be removed. I also requested that I recieve a letter confirming that the account had been cancelled or closed and that they were sending information to XXXX to remove the Hard Inquiry on my report. I got USPS confirmation that the letter had been received on XXXX. I did not receive the confirmation letter, nor has my credit report been adjusted to remove the Hard Inquiry. I called again on XXXX and was told that the account was closed and I was not liable. The person I spoke with claimed that a letter was sent on XXXX. I did not receive any letter. I was told another letter would be sent and verified the address. It is now XXXX and I still do not have that letter. 
Company I have the dispute with : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX

Company response to consumer: Closed with explanation