BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-04
Company: World-Wide Communication Center
State: MD
Product: Payday loan
Issue: Can't contact lender

Complaint:
Received a call at work alleging I owed a payday loan with XXXX taken out on XX/XX/XXXX ; when I requested documentation to be emailed, the caller ( XXXX ) claimed it could not be done for several hours. The caller claimed to have contacted my home on XX/XX/XXXX, my phone records show no calls on this date. I advised the caller I had not taken out a loan with this company and it is illegal to contact my place of business. The caller requested my credit card information which I declined. The caller called from WWCC located in XXXX, XXXX and is not licensed to do collections in the State of XXXX and in accordance with XXXX 's statute of limitations for debit collections is three ( 3 ) years which has expired as of XX/XX/XXXX. Again, I have not done any business with XXXX or any entities associated with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: JPMORGAN CHASE & CO.
State: NY
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:
XX/XX/XXXX I was charged by XXXX for XXXX i called my bank and claimed it fraud for my credit card sas stolen as well as my phone. I called up XXXX XXXX many times in regards to this purchase and I was told that iteam was returned to them. How ever they will not be issuing me any refund for there was a flash on the account which the item was bought with and they refused to give me back my money even though they have the item at hand. I asked for a receipt for the retuned item and refused to send it to me. My credit card chase united explorer mileage plus. Have stuck me with the charges even though XXXX XXXX has the iteam retuned and they told me to deal with XXXX XXXX. Though after many phone calls and 3 months latter I still never received a refund back. Now I am being charged the full amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Need a new card cause of identity theft. Need to replace this old card for security purposes

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
-- OPEN ACCOUNT -- 1. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

3. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

7. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Alpha Recovery Corp
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received repeated phone calls from XXXX from XXXX XXXX. I spoke with a female representative told her I was unable to pay. After that I received a phone call almost every day. So I blocked that number. On XX/XX/2017 at XXXX XXXX from XXXX. A male called my phone, after confirming who I was I continued letting him know I had already spoken with someone. He told me just because I speak with someone does n't mean it goes away and because of me doctors don '' t get paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: ProCollect, Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In 2015, terminated a lease and gave 60 day notice. Fees were resolved by deposit. I was only suppose to be responsible for cleaning fees and past due rent which totaled to {$1100.00}. Credit agency is reporting balance of {$3100.00} and will not investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have submitted letters to all 3 credit bureaus and to the creditor them selfies to dispute these items on my credit file. They have not responded a letter was sent to all parties involved on XX/XX/19 and no action has been taken nor was it removed or corrected all document proving my case was submitted as well. There are 2 accounts listed on my credit file with the exact account number being reported as a duplicate with incorrect information the account should be reported all 3 CB under XXXX/XXXX XXXX the amount/High credit limit and past due amount are incorrect. XXXX  XXXX XXXX  has my information on CF reported incorrectly with duplicate accounts 2 separate account numbers which is making my CREDIT UTILIZATION higher than it should, all information is listed incorrectly on report. XXXX XXXX is reporting incorrect information on my credit report to all 3 CB  the account status is listed incorrectly and the MONTHLY PAYMENT IS LISTED AS $ XXXX/MONTH which is INCORRECT. Another DUPLICATE account listed on CREDIT FILE XXXX XXXX  and XXXX WITH THE EXACT SAME ACCOUNT NUMBER ALL INFORMATION REPORTED IS INCORRECT, this account had been paid and and there is not a past due amount as TRANSUNION is reporting. XXXX XXXX XXXX is reporting INACCURATE INFORMATION ON CF. XXXX XXXX XXXXIS REPORTING INACCURATE INFORMATION UNDER XXXX this account is closed not open. XXXX located on credit file doesnt belong to me I have never had an account with this XXXX  or 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 2017-05-01
Company: Global Portfolio Recovery, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I paid off this debt in collections and it has n't been removed of my credit status. And they still have n't sent me a confirmation letter. But I do have proof that I paid it off.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery is illegally reporting an alledged debt on my credit reports that is not mine.This alledged debt reports as account # XXXX on report ( s ), This company has violated my rights under the FDCPA and FCRA. 
I mailed letters certified to the credit bureaus disputing the inaccurate, injurious and erroneous information that is not mine.I also mailed a validation request that was mailed certified as the dispute letters all article numbers availible upon request This company responded to my validation request by sending paperwork that has nothing at all to do with me, Another violation committed by this company is continued collection activities, This company may also be liable for willful non- COMPLIANCE as it knowsor should know that the allledged debt they continue to report in my credit files are inaccurate, erroneous and injurious to my credit standing and overall financial status. 
I plead with the CFPB to assist in this matter.I want all this false information remove from my credit report ( s ) IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have submitted letters to all 3 credit bureaus and to the creditor them selfies to dispute these items on my credit file. They have not responded a letter was sent to all parties involved on XX/XX/19 and no action has been taken nor was it removed or corrected all document proving my case was submitted as well. There are 2 accounts listed on my credit file with the exact account number being reported as a duplicate with incorrect information the account should be reported all 3 CB under XXXX/XXXX XXXX the amount/High credit limit and past due amount are incorrect. XXXX  XXXX Bank has my information on CF reported incorrectly with duplicate accounts 2 separate account numbers which is making my CREDIT UTILIZATION higher than it should, all information is listed incorrectly on report. XXXX XXXX is reporting incorrect information on my credit report to all 3 CB the account status is listed incorrectly and the MONTHLY PAYMENT IS LISTED AS $ XXXXMONTH which is INCORRECT. Another DUPLICATE account listed on CREDIT FILE XXXX XXXX and XXXX WITH THE EXACT SAME ACCOUNT NUMBER ALL INFORMATION REPORTED IS INCORRECT, this account had been paid and and there is not a past due amount as XXXX  is reporting. XXXX XXXX XXXX is reporting INACCURATE INFORMATION ON CF. XXXX XXXX XXXX REPORTING INACCURATE INFORMATION UNDER EXPERIAN this account is closed not open. XXXX located on credit file doesnt belong to me I have never had an account with this XXXX  or 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 2015-08-27
Company: AMERICAN EXPRESS COMPANY
State: VT
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
American express denied me a credit card not because I did n't qualify for it but because their fraud prevention unit located in XXXX said I could n't prove to their satisfaction that I am actually me and that my post office box which has been my American Express mailing address was not my real adress but a fraudulent XXXX. Becuause of this denial my credit rating will be negatively affected. Amex said they could not help me until I had a paper credit report showing my ratingwas changed. Amex admitted their mistake but said they could n't fix it. I need help in fixing this and obtaining the card I, would have received if XXXX had n't mistakenly cancelled my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was checking my credit score when I saw a company named Afni, inc. reported debt collection amounting to XXXX . I don't know this company nor I owe them any thing. This company is trying to collect a debt which I have no information nor I owe any XXXX to this company. This company has ilegally damaged my credit score. I need this collection account removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Source Receivables Management LLC
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i have a few collections that do not belong to me and the credit bureau wont take them off my account on XXXX XXXX XXXX XXXX opened a collection for XXXX $ with the original creditor being XXXX XXXX on XXXX source receivables manage opened a collection for XXXX $ on XXXX the original creditor being XXXX  XXXX XXXX opened on XXXX with the original creditor being XXXX XXXX XXXX  which was a condemned apartment complex that was shut down while i was living there

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Nelnet, Inc.
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:
They've put my case with collections already i have 4 different schools and four different loans. I can't pay back if i have no income or way of getting my credit score back up. Also ive told them im XXXX XXXX XXXX and i recieve social securit. Net nel handled it then and still no results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: College Ave Student Loan Servicing, LLC
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2022 College Ave disbursed a student loan to Georgia XXXX in the amount of {$17000.00}. I am not enrolled this semester, and so Georgia XXXX returned the loan on XX/XX/2022. College Ave is not recognizing the returned funds and is still charging me interest on this amount. 


* Georgia XXXX bursar says to contact XXXX XXXX XXXX. 
* XXXX XXXX XXXX says the funds were returned and to contact the Bursar with questions. 
* College Ave says they don't have records of the funds being returned. 

In addition, on XX/XX/2022, a payment was made by XXXX XXXX to College Ave in order to refinance my College Ave loans. College Ave is not recognizing this payment and is still charging me interest on these loans. College Ave says they have no record of the loans being returned or the payment being made and I have no way of proving who paid what. 

* XXXX XXXX says the payment was sent. 
* College Ave isn't recognizing any payment. 
* I'm being charged interest by both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I requested a dispute because my birth year is wrong and it was not changed and told me my results couldnt be shown online.

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 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Chime Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used an App known as " Wave '' or " XXXXendWave  '' to send {$660.00} from XXXX, Texas to XXXX, XXXX. The funds were supposed to be for purchasing Auto Racing equipment. 
Transaction Time was : XX/XX/2020, XXXX XXXX EDT. 

The intended recipient already stated that the funds never arrived in his account and he has proof that XXXX XXXX XXXX XXXX XXXX XXXX in XXXX stated that the funds never posted because he had an exceeded limit of funds in his account for the transaction to go through. I have written to the people at Wave and from time to time I would get bounced from one support associate to another and the cycle would start all over again and they ask me to write another explanation. I have all transcripts between myself and the company and the last was from an associate named XXXX XXXX and this is what it states " This is XXXX from Sendwave. So sorry about that. We have sent a reversal request to XXXX and we will update you as soon as we receive feedback within 24 hours. '' Below are the details to my transaction!! 

Amount Sent : XXXX USD Amount Received* : XXXX XXXX  Exchange Rate : XXXX XXXXXXXX  USD Transaction Time : XX/XX/2020, XXXX XXXX  EDT Funds Available : XX/XX/2020, XXXX XXXX  EDT Confirmation Number : XXXX Email us at XXXX XXXX XXXX if you have any questions about this transaction!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Experian Information Solutions Inc.
State: GA
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:
Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: CA
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 recently tried to dispute some accounts that were on my credit report with XXXX XXXX, XXXX, and Equifax. I did so because there are collections on my report which I do not owe or are not mine. I still haven't heard anything from any of the credit bureaus. I read how you have taken a relaxed stance on the credit bureaus from doing their job. I placed the link below even though I know you are the ones who issued it so are ware of it. 

https : XXXX All I want is for the credit bureaus to do their job. They need to delete accounts that do not belong to me immediately and they need to do so without me having to  file complaints against them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: CITIBANK, N.A.
State: ME
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My problem is with Citibank. NA of XXXX XXXX, ND and their Citi Payment Safeguard Program. For many years my wife and I had credit cards with that bank and paid XXXX cents per month per XXXX XXXX dollars of charges to cover us in case of XXXX, death etc..My wife died XXXX XXXX, 2015 ( XXXX ) and I sent the bank a death certificate and expected to have the account paid off by that 'Protection ' plan that we had paid on for many years. Several weeks later I received a letter saying that the " XXXX XXXX Winner '' in the family is the only XXXX covered by the protection plan ... If that is the case then why did my wife have to pay for that protection when she XXXX??? If the protection plan covered only me then only my charges on that card should have been charged an protection insurance premium ... .That would seem the proper way to handle it ... Please advise. Thank you ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maine XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation