BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed this with all XXXX agencies and requested the documentation used to verify this is my account. I have requested the name address that they used to validate this information and provide me with copies of any documentation associated with this account, bearing my signature. I have requested the name, address, phone number of who they verified this account with and they have ignored XXXX of my previous requests for a description of the investigation procedure. I have contact the number they have provided with no other information and spoke to the agency they have listed and was advised that they have not verified any account because they do not verify accounts or records they hold.

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 2021-03-09
Company: EQUIFAX, INC.
State: VA
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:
I Checked my Credit Report and found a Fraud Account on my Credit Report and I asked the Credit Bureaus to investigate and remove the item because the account is a fraud account and does not belong to me. I also contacted the collection company and informed them the item is not mine and to remove the item from my credit report. I also filed a Identity Theft Report. I have taken all the steps as a consumer to get this matter resolved. I've attempted over the last couple months to get this matter resolved. Im disputing XXXX XXXX XXXX {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX placed a collection tradeline on my credit report some years back. The account was settled and paid XX/XX/XXXX. The account was removed from my transunion credit report XX/XX/XXXX/XX/XX/XXXX. XX/XX/XXXX/XX/XX/XXXX it was reinserted on my credit report after it was already paid and previously removed. I disputed it with the credit reporting agency and they failed to remove it. I disputed it with XXXX and they 've also refused to remove it. 

I want it removed from not only Transunion but from all three credit bureaus

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 2017-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, I have contacted TransUnion as well as the below companies, as I was instructed to do, MULTIPLE times about the following " credit inquiries '' that were absolutely unauthorized and are currently negatively affecting my  credit score. I  did apply for an auto loan in   XX/XX/XXXX   but this was through    XXXX   XXXX  /   XXXX   XXXX    only. I have received zero assistance or response from TransUnion custom er service, and to my knowledge they have NOT investigated this matter as they are obligated to do. AND its nearly impossible to get ahold of them, worst credit bureau out there and clearly not interested in protecting consumers Date :   XX/XX/XXXX   XXXX / XXXX    XXXX  / XXXX /  XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , CO   XXXX   (  XXXX  )  XXXX - XXXX  Date  XX/XX/XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , SD  XXXX  (  XXXX  )  XXXX - XXXX  Date  XX/XX/XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , PA  XXXX  (  XXXX  )  XXXX - XXXX    XX/XX/XXXX     XXXX  / XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , CO  XXXX  (  XXXX  )  XXXX - XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  X, AZ 85038 (  XXXX  )  XXXX - XXXX   Please let me know if you have questions, and if any actions can/will be taken.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CO  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 explanation
Consumer complaint received 2021-03-09
Company: The Outsource Group, Inc
State: NC
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:
MediCredit is reporting an erroneous debt on my credit file and it must be removed. I recently checked my credit and noticed this debt reporting on my credit and was very confused. I had never received any calls, letters or correspondence regarding this debt and that violates my 30 day right to dispute. Not only that but this debt is very old, according to my Attorney General this debt is past the statue in North Carolina. Not only is this past the statue of limitations but it is also past the credit reporting limit per the FCRA guidelines. I do not owe this debt and it needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I have received two Debit cards which were not applied for. One is from Chase and one is from XXXX. I have tried to get through to Chase 4 times and got the runaround. I reported it to XXXX XXXX Police and got an Incident # XXXX. Many people are getting the same cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: STERLING JEWELERS, INC.
State: GA
Product: Credit card
Issue: Other

Complaint:
My spouse added me as an authorized user to her Kays Credit Card Account through Sterling Bank! The bank closed the account! My spouse called to have me removed and they said I was removed but it is still on my credit bureau as an authorized user! I called Kays and they REFUSE to remove it!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased the car from XXXX Autos who used Lobel Financial for the loan. Immediately after I got insurance they raised the monthly payments. I called them and asked for them to mail my new account balance to me or email it and they hung up on me. I called back they said I have to fax a request. Now I paid to fax my request and they say they do n't know where to send the fax. So I send another fax with the fax number to send the disclosure to and they can not confirm they received that fax. They wo n't let me speak with a superior. I have been getting the run around trying to get the balance owed since XXXX this year. I need to know the account balance it 's my right so that I can pay off my car in full so that I do n't have to deal with this company anymore but they refuse to give me this information. And everytime I call I get different people telling me different things.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: STERLING JEWELERS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I asked that they not call me during my work hours of XXXX to XXXX the lady advised me that it 's all computer generated and they can not control what time they call me. She then asked me that in order to stop calls I make a pay ment arrangement which was fine however she told me I could not make an arrangement unless I gave her my credit card or bank info now and authorized her to run that payment on that day which I know is unacceptable. I advised the calls need to stop which could cause me to lose my job. I will file a law suit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received by mail 2 Visa debit cards for a Chase account I did not open. When I called ( XX/XX/21 ) to close the account I was asked to provide full SS number which I did not want to do over phone. I will try to close account at a Chase branch later today or tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Neiman, Stone & McCormick , P.C.
State: IA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This debt is well over 12 years old. I have not been able to make any form of acceptable payment arrangement. for the past 10 years. That which was offered was never acceptable or taken seriously. 
The lawsuit presented, was given now avenue to dispute. I was not able to secure legal representation to help in disputing the charges. When the garnishment order was given, no court date was provided, for to stand and give defense of statute of limitations had expired. then I was given notice of wage garnishment, which has caused great financial harm. I stand at the point of having my utilities shut off, because of the inability to pay them, because the money was taken else where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have no knowledge of any of these inquires or account. I received not products not money. I believe i have been a victim of identity thief.

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 2016-08-23
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was speaking with Sallie Mae on repayment options, as I was unemployed following graduation. I was unable to meet the $ XXXX+/month payment and was asking what my other options were. I was specifically advised to let my account run over, as in not meet the payments, because Sallie Mae would not work with me on changing payment options until I was overdue. After two months I tried to reach customer service once again and was directed to Collections, who informed me that I had to make my loans current before I could begin any sort of payment change option. After explaining the advice I was previously given, I was given a sorry and an adamant ultimatum that they needed to make the loan current first before anything could be done. I was forced to borrow money from my parents and then was explained the options available to me, neither of which greatly affected my payments. I was also reported to the credit bureau due to the non-payment of the loan, which has affected my credit score, making it difficult to now find an apartment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
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:
These accounts are not mine. I am victim of identity theft!!!! I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name. It could also be possible you are mixing up these accounts with someone that has a similar name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: Progressive Financial Services, Inc.
State: TX
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:
PROGRESSIVE FINANCIAL DEBT COLLECTORS ARE TRYING TO COLLECT {$60.00} FOR RETURNED CABLE EQUIPMENT THAT WAS RETURNED. XXXX AND XXXX HAVE SINCE REMOVED THIS COLLECTION AFTER I DISPUTED THE VALIDITY OF THIS DEBT. XXXX HOWEVER HAS NOT.PROGRESSIVE FINANCIAL HAVE NOT BEEN ABLE TO PRODUCE SAID VALIDATION. I NEED THIS ACCOUNT REMOVED ASAP. THANK YOU

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Progrexion Holdings, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
ON XX/XX/2021 I SIGNED UP WITH CREDIT.COM FOR FREE ONE MONTH TRIAL. SEE ATTACHED EXHIBIT " A ''. 

ON XX/XX/2021 I REQUESTED TO CANCEL AND PROVIDE CONFIRMATION. SEE ATTACHED EXHIBIT " B ''. 

ON XX/XX/2021 THEY RESPONED BY STATING SOMEONE WILL BE IN CONTACT WITH ME. THEY DID NOT AND ONLY SENT ME AUTOMATED RESPONSES. SEE ATTACHED EXHIBIT " C ''. 

ON XX/XX/2021 XXXX RESPONED BY STATING MY REQUEST TO CANCEL AND COMBINED MY REPEATED REQUEST TOGETHER INTO ONE REQUEST. 

ON XX/XX/2021 I TRIED TO FOLLOW-UP WITH MY REPEATED REQUEST TO CANCEL AND PROVIDE CONFIRMATION. NONE OF MY EFFORTS TO CANCEL HAS GONE WITHOUT RESPONSE AND THERE LINKS LEAD TO NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Armcon Corp
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This XXXX treatment was paid at the time of service.In addition I possessed XXXX insurance ( 100 per cent coverage ) at the time of treatment.I have disputed with XXXX and XXXX credit bureaus and only XXXX has deleted while XXXX has verified and XXXX has taken no action. 
I do not want to be designated and damaged by this debt being proliferated to 3rd parties, when in fact it is not owed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Comerica
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I am XXXX, in a wheelchair, and my only income comes from XXXX. On XXXX XXXX, 2015, I went to an ATM to take out {$100.00} on my Treasury recommended Direct Express/Comerica Bank prepaid debit card. Several days later I learned that on that same day someone had taken out a total of {$1400.00} on my account, basically my entire monthly income. I submitted a fraud complaint to the bank. I also went to the police station to file a complaint. The police investigated my complaint. They showed me a video of my XXXX XXXX ATM withdrawal. The video showed a woman standing behind my wheelchair while I withdrew money and then later withdrawing my money. In XXXX 2015, I got a letter from Direct Express that they denied my fraud claim and would n't return the money stolen from me. I never learned why but when I called Direct Express they said they would reopen my fraud claim. It has been over a year since that time and Direct Express has still not completed my fraud claim or returned the money stolen from me. I gave my police report to Direct Express on several occasions long ago but they refuse to give me a time when my claim will be resolved or my money returned. I have attempted to get help from legal and other non-profit advocates. Direct Express refuses to talk with these advocates, even when I am on the phone with them or they offer to provide an authorization. I 've called Direct Express dozens of times in the past year but they wo n't tell me anything. Not only is Direct Express not helping with my fraud claim, they are refusing to let others help me with it. I have a limited understanding of my rights in this situation and Direct Express has made it impossible for anyone to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Navient Solutions, LLC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Resurgent Capital Services L.P.
State: TX
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 filed dispute a dispute in regards to excessive incorrect information that is being reported on my credit report. It has been well over 30 days and I have not received any investigation results nor any of the evidence/proof documents that I requested from the reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
It took my servicer, FedLoan Services, 6+ months to complete my request to continue my IBR repayment plan. I made an error on the initial renewal application - I ticked 1 box incorrectly - in XXXX XXXX and my renewal was not fully approved until summer XXXX. FedLoan said they were not able to transmit documents electronically, so I had to submit my paperwork via snail mail - there were at least 30+ days between submission, receipt and review at each iteration, then another period of time before new repayment terms would apply. Thus, my repayment options were to either default temporarily or pay the standard repayment amount of $ XXXX mo- vs my prior IBR repayment level of $ XXXX mo ( and I did not trust their advice that defaulting would have no impact on my credit rating, so I was constantly behind at the standard repayment level until the IBR renewal was approved ). During this time, customer service was vague, confusing, and inaccurate on the timing and status of my application - I spent many hours on the phone trying to understand my error, the process and get updates on when it would be resolved. It was enormously frustrating and costly. I understand FedLoan now accepts documents electronically, but given the recent lawsuit and attention to the poor service from these servicers, I wanted to add my experience to the chorus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company agreed with the cfpb to give me until XXXX XXXX, 2015 before they would pursue court action but yet aggressively does so. this is after i have paid hundreds of dollars to them and now they want to garnish me. I have offered to settle ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My vehicle was stolen and after the investigation my insurance company along with gap coverage were to pay the vehicle off. XXXX reached out to me letting me know that I had nothing to worry about while everything was in litigation. XXXX also told me that no more payments were needed to be made on my part. Now, on my credit report XXXX has reported 2 missed payments and kept accruing a daily interest into the car loan. This is hindering the loan from being paid off as well as affecting me from being approved for a mortgage loan. I have reached out to XXXX to correct this problem and they refuse to fix their era.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have debt collection from Caine & Weiner Account No. XXXX & original creditor is XXXX ( address id number XXXX that appear on my credit report. I have contact both lenders about this matter and seem to get nowhere about getting this matter cleared off my name.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: IQOR US INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For the last XXXX years I have been getting collection calls for a person I do not know. The most recent of these calls was from XXXX XXXX at Allied Interstate ( XXXX ). When I asked to speak to his supervisor about this call he was unable to connect me because 'they are all busy or at lunch '.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief