BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with ENHANCED RECOVERY COMPANY plus they did not provide me with the original application like I asked. 
Account XXXX Amount Disputed : {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX DEPT OF ED Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXXL Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Personal Information : EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/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 2017-05-31
Company: Navient Solutions, LLC.
State: IN
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:
Back in   XX/XX/XXXX  m y student loans were through  XXXX   XXXX  before it got switch over to Navient. I called back in   XX/XX/XXXX  or  XX/XX/XXXX . I was having trouble making my monthly payments which was over 300 $ a month. I ca lled Navient customer service to get some help with my payments. At first they kept pushing me to put my student loans in forbearance or deferment. An I told them I do n't want to do that the interest on my loans keeps adding up on my loans an at this rate ill never pay them off. I was then transferred to another department which I tried doing income base an they told me that I did n't qualify for income base payments. I had no choice to  put 2 of my  loans in deferment an then had to extend out when my pay off would be so I could lower my payments. Right now as  of  XX/XX/XXXX  I pay   {$210.00} a month an that does n't include m y 2 other  loans that I need to pay on. Which the payment for those will be starting soon cause they could only give me a 12 month deferment. I just recently called Navient o n  XX/XX/XXXX  abo ut late fee 's on my account. I called customer service yet again an asked them about the late fee 's. I said I have 14 days to make my payment before the late fee 's are put in. My due date is t he  XX/XX/XXXX  an I have to the  XX/XX/XXXX  to make a payment. I had a late fee on my account on  XX/XX/XXXX  an goes back since I had m y loans which is now over  10years. I wa s put on hold for about 10 minutes when she came back on the phone an told me that there must of been a computer error. She informed me that sent a request into remove those late fee 's. Now I am keep checking my account to see if they have been taken off. I have had my student loans for over 10 years an I can not get any help on making payments, student loan forgiveness. They are very push on putting your loans in forbearance or putting them in deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed this account when I viewed my credit report on XX/XX/2020. On XX/XX/2020, I sent them a letter through certified mail requesting validation proving that I am indeed the party they are seeking for to pay this debt, and if there's some contractual obligation that is binding on me to pay this debt. They received the letter on XX/XX/2020. They then sent me a letter that i received on XX/XX/2020 with insufficient validation. I'm requesting that all references to this account be deleted and completely removed from my credit files and a copy of such deletion shall be sent to me immediately. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: JPMORGAN CHASE & CO.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In XX/XX/XXXX and XX/XX/XXXX, I XXXX XXXX XXXX, had reported fraud to all XXXX Credit Bureau. Someone got a hold of all my credit cards and social security number, and was purchasing things in my name. XXXX XXXX XXXX is not my debit. This has been ongoing for 9 years now. If this was my debit I would have no problem paying it, but this is not my debt. Can someone look into this so I can put this behind me? At the time that this happen in did n't know I had to report this to the police and get a police report. I went to apply for something and when they rejected me I asked them why and they told me I had too many negative things reported on my credit report. When I told they what happen they asked me do I have a police report on this, and I said no they told me I should have report it and I did. The law office was provided with old credit report to show that I had a fraud alert on my credit and I also provided police report to both XXXX, XXXX as well as the law office involved in the case. XXXX XXXX XXXX from XXXX in XXXX is my financial counselor helping me ; her phone number is XXXX, you have my consent to discuss the matter with her.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DPT EDXXXX XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2016-01-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
wells, XXXX teachers fed cr union in ny, and myself were not serve notice from the hoa. I therefore should not be responsible why the hoa did not serve us. Condo was forclouse and new title issue on XXXX XXXX, wells paid pty taxes on XXXX XXXX and town should issue a refund to wells

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance to the fair credit reporting act XXXX XXXX Account # XXXX violated my rights 15 usc 1681 section 602 A. I have a right to privacy 15 usc 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction and i am here to tell you that i never gave anyone permission to furnish anything on my report

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 2016-04-19
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
please see complaint XXXX. Midland funding attached a fraudulent certificate of summons. the summons shows that they swore under oath to serve a XXXX XXXX XXXX XXXX woman XXXX in height. I am almost XXXX XXXX XXXX and nearly XXXX '' furthermore no one lived at my previous address but myself and my now XXXX XXXX XXXX son, they have lied under oath in order to get a default judgement. in a previous complaint they indicated that this is for a XXXX credit card yet in a XXXX response they submitted false docs showing compute equipment. they have yet to verify the other midland funding account yet it has been reported on my credit report for years

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
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: Their investigation did not fix an error on your report

Complaint:
I have filed a dispute multiple times with Equifax regarding  XXXX   XXXX . Neither party has provided the level of investigation or reinvestigation required by law. Nor have I been provided the level of information required by law. I demand that this item be removed from my credit report immediately or make all steps required by law to  show just cause for keeping it on my report. I further ask that this be directed to the FTC as well as any other Governing a gencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had an account with Fifth Third Bank in 2013. Fifth Third Bank reported Suspected Fraud Activity on my account to XXXX and XXXX. Due to this injustice I am constantly denied service at any bank. I have continuously informed the Fifth Third Bank that I was not responsible for this fraudulent activity that occurred on my account. I also informed them apparently someone stole my identity and that I am the Victim. I asked Fifth Third Bank to remove this negative report from my records but they refuse to do so. 
Please Help. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: CT
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:
On XX/XX/XXXX I advised Experian ( XXXX ) that my report ( Report # XXXX ) has an closed/transferred account for XXXX XXXX Account number XXXX which originally had a delinquent payment in XX/XX/XXXX. Per Experian 's website ( https : //www.experian.com/blogs/ask-experian/how-long-past-due-remains/ ) " In your case, the account is paid off and closed, so the entire account will be removed XXXX years from the date of that missed payment, or XXXX years from the original delinquency date. If the late payment occurred in XXXX of XXXX, the account should be removed no later than XX/XX/XXXX. '' However the manager indicated that this will stay on my report until XXXX! He indicated although XX/XX/XXXX was the initial delinquent payment, there were subsequent on time payments which " resets the clock ''. This is not what is written on their website. 
Furthermore this is not what is indicated under FCRA guidelines : " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than XXXX years old, or bankruptcies that are more than 10 years old. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citi checking bank account. There was a promotional offer advertised on their website with promo code XXXX. I fulfilled my obligations and met the requirements for me to earn the {$400.00} bonus. I waited the required time frame of 90 days and Citi has failed to honor the bonus offer. My request is for Citi Bank to honor the bonus by paying me my {$400.00}

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 2017-05-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In  XXXX  of  XXXX  I wrote a letter to  XXXX   XXXX  services asking to validate a debt that started reporting on my credit report. I then received a letter dated  XXXX / XXXX / XXXX  that they reviewed the account and believe the activity on my account is correct. They did not submit any information to me regarding this debt besides an explanation of the debt in this letter. Please see attached all correspondence pertaining to this complaint. I then Wrote them another letter in response to their requests, which was received on  XXXX / XXXX / XXXX  from which they never responded. I then gave them  30 full   days and pulled a copy of my credit report dated  XXXX / XXXX / XXXX  and noticed that they did not place the notice of dispute on my credit file which they violated federal law and fair credit reporting act section  623 ( a ) ( 3 ). I then w rote them another letter dated  XXXX / XXXX / XXXX  which is attached which was received on  XXXX / XXXX / XXXX  which they never responded to either. I have also noticed that this creditor has also broken FCRA  Section 605 ( c ) as the y have been re-aging this account as a current charge off instead of when it supposedly occurred back in  XXXX . This creditor has broken several FCRA laws and has violated my rights as a consumer and has caused pain and suffering with my issues of obtaining a home loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
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: Information belongs to someone else

Complaint:
TRANSUNION HAS AN ACCOUNT XXXX XXXX  ON MY CREDIT REPORT THATS NOT MINE.

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 2020-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Apparently I owed Kohls {$3.00}. 
I had no idea I owed this money. I was never given anything that I knew of letting me know this {$3.00} debt was owed. This hit my credit report terribly and i wasn't even aware. 
I am trying to purchase a home and this {$3.00} late for all these 30, 60 and 90 day lates has ruined my credit ... over XXXX dollars. 
I can't believe I am finding this out this way. This is incredibly frustrating. 
The debt has since been paid ... all {$3.00} that was owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Billing statement

Complaint:
I responded to an offer made by my bank, Fifth Third Bank, to give me a limited time, interest-free credit card if I transferred my balance from another credit card company to theirs. I accepted the offer and transferred an existing balance from another credit card company. I did not received a bill from Fifth Third Bank for 2 months until I received a bill for 2 overdue payments and penalties. I finally sorted out this problem and got the penalties removed although the bank said that they had sent me the bills which I am absolutely certain I never received. 

The main source of my complaint against Fifth Third is that I have received a bill since I spoke to the bank which did not have any information for a 3 year payoff. I called the bank and could not get past an uncooperative customer service agent. I requested the amount I would owe if I chose the 3 year option, and the agent said that she knew of no such option and that she did not have the ability to calculate the lower payoff amount. I told her that the law required Fifth Third credit card bills to list the 3 year payoff option, and she denied that this was true. After a lengthy session of wait times and her reporting that her supervisor had said that they knew nothing of this option, I gave up. I have since received another bill without the 3 year option listed. I researched the 2009 Credit Card Act and found that banks ARE required to disclose this amount on their bills. I am willing to send copies of the XXXX bills in question but lack a scanner to process them. I hope that Fifth Third Bank is fined the maximum amount allowable for violations under the Credit Card Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have sent request to  XXXX , Transunion, and  XXXX  regarding reporting of a  XXXX   XXXX  on my credit file. I received a letter from bankruptcy court stating they do not send information to credit bureaus. The  XXXX  major bureau sent me notification stating they received reporting on the account from  XXXX   XXXX . This is inaccurate reporting as nowhere on my credit file does it state that information was obtained from  XXXX   XXXX . It specifically states this was reported by  Bankrupty Court. I s ent the  XXXX  major bureau a 2nd letter requesting this be removed for inaccurate reporting. I received a response again that it had been verified

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is not mine. I 've been disputing this since it was with XXXX in XXXX of 2009. 7 years later it 's been sold off and has restarted. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Commercial Acceptance Company Refused to offer any written information past collections letters. No written verification or written agreements, stating that company policy is only verbal agreements and information. This happened on XX/XX/XXXX around XXXX. Verbal promises were made for expungement but unwilling to send anything through writing.

Company response to consumer: Closed with explanation