BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-15
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ProCollect wa s enlisted to collect on a debt from  XXXX   XXXX   XXXX   XXXX  - the initial bill from the service provider was never received.  ProCollect  sent several requests for payment during our Ch.  XXXX  bankruptcy, which was successfully discharged in  XXXX   2014 . Since that time,  ProCollect has placed the invalid debt on my credit profile several times. I have requested ProCollect to provide the original invoice from the service provider. To date, they have not responded. Instead, they again added the debt to my credit profile, without providing the proof of validation. I received a phone call from someone in their office who was rude, argumentative, and ignorant. I do not appreciate harassing phone calls. Debt validation is standard practice for firms operating with integrity. ProCollect is not one of those firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Debt Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I just received a letter from Debt Recovery Solutions , LLC DRS account # XXXX stating that I owe {$420.00} and the original creditor is XXXX. They are offering me a settlement of {$270.00}. i have spoken to this company a couple of times in the past and have advised I paid off my XXXX account back in XX/XX/XXXX. After I paid XXXX, I set up another account with them for a XXXX triple play package. In XX/XX/XXXX I hired a company called XXXX XXXX XXXX to assist me with removing items off my credit report that were either incorrect or past the statute of limitations. This was one of the items that was successfully removed. Today, XX/XX/XXXX, I applied for a mortgage and was informed that this debt is on my credit report as of XX/XX/XXXX. S they have again, put this back on my credit report after it was removed and after me telling them several times that I do n't have any past due debts with XXXX. I called and spoke with a gentleman name XXXX and advised him that I do n't owe this debt and that they need to update their records and to please stop harassing me with letters and phone calls. I have blocked their number to avoid getting the phone calls. This is not only stressful, but annoying because these people should not be able to put items back on your credit report after it 's been removed and after being told that the debt is no longer owed. Where 's the protection for the consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX XXXX was never disputed but has a remark about a dispute. XXXX XXXX is not aware of a dispute. XXXX was never disputed and the account has a remark. XXXX is not aware of a dispute. There are inquiries on my credit file that were placed in error. There should not be any inquiries for XXXX, XXXX XXXX ( XXXX ), XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, or XXXX. The inquiries were not authorized. Furthermore, I requested my XXXX credit account to be updated to reflect credit limit of {$2500.00} back in XXXX and it is still showing credit limit of {$650.00}. XXXX account has a balance as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
The credit reporting company Equifax will not allow me to place a temporary lift on my credit report freeze. 
The company 's website says it can not process the request ( " We are currently unable to service your request. Please try again later. " ). 
I have tried multiple times. 
The live person customer service phone line says all operators are busy then disconnects the phone call. I have tried this avenue multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Equifax blocked me from accessing credit history, it 's verification list auto loans and bank accounts I never had and then block me from accessing account claiming information does not match, there is obviously identity theft of my account I am not familiar with any car loan or bank account they try to verify prior to providing access to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
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: Account status incorrect

Complaint:
I file a complaint with Attorney General   XXXX   XXXX     XXXX  on behalf of a Identity Theft issue. In the letter I was advise to write or call credit reporting agency. I cal led Trans Union. O n the matter to place a credit alert with the  XXXX  credit agency 's. I talked with  XXXX  at  Trans Union Corporation  on behalf of the credit reporting of  XXXX   XXXX   XXXX   Company/collection agency for a debt on cell phone bill that was in  XXXX  balance when the  XXXX    XXXX   account was cancelled.   The  XXXX   XXXX  company sent a bill that was settle to a   XXXX   XXXX   collection agency.     This collection agency is on my credit report as owed bill. This  XXXX  account was cancelled on,  XXXX   XXXX ,   XXXX  .  XXXX  account number.  XXXX . In the amount of. {$92.00}   XXXX    Re.  No.  XXXX . This was a resolved issues with  XXXX .   The phone number for the collection agency :   XXXX   XXXX   collection agency is,  XXXX   XXXX   XXXX   XXXX . ( The   XXXX   n  umber above  XXXX . I filed a complaint with the  XXXX . This file matter was on the reason I cancel the account with  XXXX . ) I would like this matter to be address. The collection agency on behalf of  XXXX   XXXX  to be remove off of my credit report. This  XXXX  account has been cancelled and is in  XXXX  balance. Thank  XXXX   XXXX   XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: BARCLAYS BANK DELAWARE
State: NH
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:
This is most ridiculous bank ever. They promise you something and never keep up the promise. There was a late fee of {$29.00} on my account in XX/XX/2023 and I was promised by various customer care agents that it would be waived for me as a one time courtesy after I had requested for it to be waived. I called in several times and wasted several hours in the process and haven't got my fee back despite these attempts. 

I had spoken to the following people who had promised me to waive the return fee XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX When I called today - XXXX XXXX, this ridiculous manager named XXXX spoke to me and she said they wont waive that fee despite that being promised by other agents. Are you serious? 

The last 4 of my CC - XXXX. I don't have my full card number handy on me

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 monetary relief
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've sent Letter last XXXX It's almost 60 days now and doesn't have a response yet. I am a victim of Identity Theft and someone used accounts or personal information without my permission. I was so stressed. I already contacted credit bureaus and furnishers. I need help with this issued.!

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 2016-01-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed items on my credit report that either did not belong to me or were not reporting accurately. I only asked for the items to be removed or updated. I received a response of verified from creditor but NEVER received proof of verification that the items in question were mine or reported accurately. It is by law my right to receive this information or I demand that the following items be removed or updated : XXXX XXXX XXXX - I HAVE NEVER had a payday loan and I DEMAND proof that I applied for and received these monies or remove it from my report. 
XXXX XXXX XXXX - I was a co-signer on the vehicle. I should have been removed. I have demanded a resolution to this matter and it is being ignored.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On my credit report, it reports that I have an account with XXXX bank '. This is incorrect information because I NEVER opened an account with this company. I called the company at the following contact info : XXXX BANK, XXXX XXXX XXXX, XXXX XXXX, NV, XXXX ( XXXX ) XXXX. I gave the representative my information ( ie. name, address, social security # XXXX to see if I have an account with them and they confirmed that I do not. However, this account keeps showing on my credit reports and it is ruining my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
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: Account status incorrect

Complaint:
they are reporting late payments when the shouldnt and refuses to make the correctiions

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 2017-05-15
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: Account status incorrect

Complaint:
they are reporting late payments when the shouldnt and refuses to make the correctiions

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 2017-05-15
Company: American Coradius International LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have repeatedly contacted my  XXXX   year old gre at grandmother numerous times at her house she is very old and does n't remember much my aunt was there today when they called and told them to stop calling it is totally unacceptable to be calling my  XXXX   year old  great grandmother because he phone number is the phone book! They can call me I still have the same phone number and they have n't but to call and elderly old lady numerous times about my debt and have her worry is unacceptable..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have filed several disputes with the all XXXX of the CRA 's and have also disputed directly with XXXX XXXX Bank in SD in regards to XXXX credit lines with them. This account has been re-aged and XXXX XXXX reports that the information remains correct and verified. I do not appreciate this practice and view it as unethical and perhaps this is not the first time this has occurred with this company. All XXXX credit bureaus report a different age of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech Financial LLC recently agreed to modify my mortgage loan and withdraw its Foreclosure Complaint. In the process of modifying my mortgage loan they misappropriated {$1900.00} of my money that was sitting in an Unapplied Funds Account. I have brought this to the attention of the Customer Service Department at  Ditech  and their response is that I am wrong and that no funds were misappropriated.   Please see the attached document that prov es, using Ditech Statements and Schedules, that {$1900.00} was withdrawn from the Unapplied Funds Account without any valid or legal purpose. Please compel Ditech to return m y {$1900.00} without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, 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:
XXXX  company is reporting an account on my credit report that I never opened! currently this account is in collections, I have reach out to them and they have done nothing! Still reporting as a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed with Experian regarding the accounts on my credit report & they havent remove the negatives accounts thats not mine yet. Im a victim of Identity theft, and Experian is reporting inaccurate information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX , amount {$1100.00}.  Capital one to removed this account off my credit report because i t 's past  7 years old ( c lose in  XXXX   XXXX  ).  Capital One  said they will not removed this account of my credit report because they ( ca pital one ) c lose this account in  XXXX / XXXX / XXXX . This is NOT right I close this in  XXXX . PLEASE REMOVED THIS ACCOUNT OFF MY CREDIT RE PORT (   XXXX   and   XXXX   )  Thanks For your Help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
For the last few months I have been battling the Fedloan Servicing about a student loan that 's decades old. I feel as though I am due a refund because no college degree was earned and, since the loans are more than  XXXX  years old and  XXXX   XXXX  has decided that those earned credits are old and invalid and therefore cant be used towards a degree anymore making the credits earned worthless. That 's why I feel a refund is in order. Even so, in an effort to be as diplomatic as possible, I offered to negotiate a settlement to which I 've been told no. I am certain that there are thousands more in the same situation and that they would be more than willing to join in a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I previously filed a claim  - Complaint  ID  XXXX   XXXX / XXXX / XXXX . My explanation was presented by the company with much distortion. I have repeatedly asked for a copy of Gov't payments to my account -- '' If your new monthly payment isnt large enough to pay the accruing interest on subsidized portion of your direct loan, the Federal government will pay it for you for a period of up to but no more tha n three consecutive years once you begin your Income  Based Repayment program. This is  XXXX  of the many forgiveness aspects  that Federal Student Loans offer. '' This has not occurr ed ... I am on t he Income Bas ed Repayment plan and my loans are increasing tremendously ... I am now owing  XXXX  figures ...     I do not understand how the loan supposed to be paid of in 25 years ... I will be owing over  1 million dol lars. Please escalate this complaint to legal office and/or provide me names of attorneys and or an agency above cfpb. " If over the lifetime of this loan, you make  300 q ualified payments and the loan is still not completely paid off, any remaining loan amount will be forgiven and legall y discharged. ''  How will this loan ever get paid off under this plan. I am paying my interest but it is increasing at an accelerated rate.        Plan in cludes a 20 year forgiveness for new borrowers that took their loans out after  XXXX   XXXX   XXXX , or 25 years if the loans were taken before that date. The lifetime of an Income Bas ed Repayment Loan i s considered to be no more than 25 years. If over the lifetime of this loan, you m ake 300 qua lified payments and the loan is still not completely paid off, any remaining loan amount will be forgiven and legally  discharged. However, this discharged a mount is considered taxable and must be paid for the year it was forgiven ; i.e . a loan discharged  in  XXXX  must be paid with other  XXXX   Income Taxe s due in  XXXX .   -- -- -- -- -- - Issues include : Estimated Interest Daily Interest Outstanding Principal Balance -- tremendous increase.     -- -- - I do not want to have my loans serviced under  Nelnet. I f eel as though it is too much fraud and no-one is trying to resolve my issue. Please escalate my issue to the agency above the cfpb and/or a contact person at the  Office of Inspector General. I will file a complaint their next. My account ne eds to be reconciled and properly handled. There are too many complaints regarding  XXXX  on the WEB. Please do an audit on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: CITIBANK, N.A.
State: TX
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:
What a nightmare to get someone who I can hear. It has only gotten worst instead of better.  Citi card does not care. 3 hours of no help again t oday. I am so exhausted by the timr help arrives.     The voice system is not clear either.  Overseas  is a nightmare too.     I was told my annual fee would be waived or a promotion.

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 2017-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint about the TransUnion glitches in  XXXX  and  XXXX , where inquires were removed and them put back on without notifying the consumer. I tried to call  TU about th is today and they have an automated recording and they refuse to help me any further. I had  XXXX  inquiries on m y TU report  that should be removed due to these glitches. It is not legal to take something off a report and then just put it back on without notification.

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 2017-05-15
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In  XXXX  of   XXXX   we discontinued our  XXXX   XXXX   XXXX  service. We were forced to move from our home and we tried to keep th e service.But   XXXX   XXXX   XXXX  did not offer service in our new area. Forcing us having to cancel service. When we canceled our bill was  XXXX  balance and due to the circumstances they were not going charge us early termination fee as we were keeping our  XXXX  service. And it was all bundled together when we signed up. In fact we even paid a  XXXX  $ deposit for the service when we started.    XXXX   XXXX   XXXX  continued billing us and still had our account messed up as it was still linked to  XXXX . It was n't until  XXXX  of   XXXX   that  XXXX   XXXX   XXXX  shut down our verse account and made it a  XXXX  bill. We have disputed this bill over and over for a year to the date.   The bill is now in the posse ssion of Southwest Credit Collection Agency. We disputed this bill in there office.We have requested a full explan ation of bill. When they sent us a bill they also sent us another bill from a hospital. Which is n't ours. It also has the hospitals account number as well as the hospitals foundation number on the paper.   It is in violation of FDCPA law  805 se ction B.   They did n't even send us our bill as requested.   They are now claiming early termination charges as well  as misc charges in which we or southwest credit collections ha s no clue.

Company response to consumer: Closed with explanation