BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-17
Company: ERC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Enhanced Recovery of XXXX, Florida XXXX XXXX XXXX, FL XXXX has been repeatedly calling my home claiming i owe a XXXX bill of XXXX from XX/XX/XXXX. I explained that i was a sprint customer since XX/XX/XXXX and my same account from them is still active. The person then stated the debt was from XX/XX/XXXX and I am like that 's 15 years ago and regardless if it was my account or not, the statue of limitations has expired. The person told me they were not a 3rd party debt collector and I told him then you work for XXXX? no comment. 
They never at anytime in the last 15 years put it on my credit nor has XXXX ever been on my report either. This a white collar scam!! 

I asked him to stop calling me and he said they will just keep calling so i hung up. They call at least twice a week and this must stop. They have never sent any mail nor registered / certified mail to my address which i did confirm with them. Please Help me!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
i lost my wallet on XXXX XXXX XXXX i received a call regarding unauthorized use of my debit card from wells fargo bank. i confirmed with them that the charges were fraudulent and they issued a new debit card and restored the funds. 
on XXXX/XXXX/XXXX wells fargo informed me that investigation was completed and my request was denied. i contacted bank several times but they refused to provide any explanation why my claim was denied and the only reason they provided that my pin was used. i explained that I used my card at gas station for the last time and after that there were fraudulent charges and i did n't know how my pin was compromised. 
according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205 i am not liable for any unauthorized charges and i want my funds to be restored.

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 2017-11-29
Company: Midwest Recovery Systems
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My XXXX report states that I have an account in collections with Midwest Recovery Systems LLC for XXXX XXXX for an open date of XXXX XXXX XXXX for the amount of {$710.00}. 

When the item first showed up on my credit report I disputed with the collection company. When I received no response I then sent an email to XXXX XXXX. Again, no response. I most recently had spoken to an XXXX member in XXXX of this year about the account because I had at this point been filing for a loan with XXXX XXXX which couldnt be approved because, for some reason XXXX couldnt give me, I could not file a direct dispute with them online and I was told all of the information XXXX has for my file is outdated. I have been trying to get in touch with someone from that end to update my file. Even after going through their rigorous game of 60 questions and proving my identity. 

I have never had an account with XXXX XXXX. 

I had never received any letters from them nor from Midwest Recovery about any supposed debt. 

And I most certainly did not receive any notice that any such debt would be placed on my credit file. 

I want this gone. I do have genuine debts that do belong to me and that is bad enough as it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: National Credit Adjusters, LLC
State: OR
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:
There is a mark on my credit report showing I'm in default for a loan from a XXXX, Oregon XXXX XXXX in XX/XX/2019, this is impossible I was not even in the state of Oregon. I have disputed a similar inquiry from them last year and was able to prove it was fraudulent, this remark was removed. Now it is back again. I believe my identification is fraudulently being used by someone else. 
My wallet and ID were stolen almost 5 years ago and never recovered. 
I have never been to a speedy cash ever. Please help, I don't know how to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am going through a hardship financially and the Bank of America credit card collections people call me almost everyday and twice a day almost every other day. I have explained to them that I will make the payments I can but they insist on me paying a small amount every couple days and said they will keep calling until the payments are made. I have put the main number, XXXX, on an auto reject list so I do n't have to talk with them while I am at work. I am also getting interest added and a late fee to my balance every month, so that is pushing me back farther. Right now, any payments I make are just for the interest and late fees and they wont send me to collections because they want to keep charging me interest, even though I am 3 payments behind already and my account has been involuntarily closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Navient Solutions, LLC.
State: MN
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 have been set up with Navient ( formerly XXXX XXXX XXXX in the automated debt repayment program since 2013. Most recently when it transferred to Navient I had to re-enroll in the program and my payments began in XXXX with Navient. Just recently I learned that Navient has been reporting to XXXX stating that I have a delinquent account with them. On their website it shows that I am past due over {$380.00} when in reality I have made ever automated payment on time since Navient has taken over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-02
Company: BARCLAYS BANK DELAWARE
State: NY
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: Problem with personal statement of dispute

Complaint:
To Whom It May Concern, On XX/XX/2020 I called Barclay 's and asked them if I applied for for multiple things would I get " 1 '' hard pull there customer service. 

On XX/XX/2020 I did what they told me to do and they gave me " 4 '' hard pulls on my credit. I called them up right away explaining why I did what I did as that is what there customer service told me to do. They are telling me each card get 's its own pull which is not what I was told day prior I was told 1 hard pull if done same time.

I can not have " 4 '' new hard pulls on my credit. I have no problem having the 1 hard pull as I was going by what Barclay 's customer service told me to do.

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 2018-03-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: ME
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:
beginning in XX/XX/XXXX I applied for an auto loan. after acquiring this loan, my son who has the same name XXXX the suffix started having my information on his credit report. after encouraging him to contact the credit reporting agencies in an attempt to fix the issue. after many attempts to resolve these issue, neither him or I were successful. this went on for 3 to 5 years, in attempt to fix this. both my son and I were denied credit to improve our credit. moving forward to XX/XX/XXXX through current, I have hired XXXX XXXX to assist in removing these items and challenging the wrong information on the reports. I was able to get a mortgage fraud judgement against three entities. XXXX XXXX XXXX, Select Portfolio Service and XXXX XXXX XXXX. I sent this documentation to XXXX XXXX to have them help with the removal of them reporting from this. A decision by a Superior Judge deemed it Mortgage Fraud. All of these companies have continued to report wrong information, thus impacting my family and I both financially and mentally! on top of this, I am still getting inquiry reports using my sons prior address, therefor that long complain going back 11 years ago has not stopped. I have not improved my score, due to those 3 entities and the massive unlawful mistakes that the 3 credit report agencies have continued to get wrong. I  stopped using XXXX XXXX after so much in professional communication from the creditors to the agency. I also stop, due to the cost which was over {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Their investigation did not fix an error on your report

Complaint:
The XXXX Credit Bureau is reporting inaccurate information on NISSAN-INFINITI LT. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have been disputing this account XXXX  XXXX XXXX XXXX with experian since XX/XX/XXXX and the other credit bureaus, XXXX, and fast XXXX  replenished deleted the account, but experian continues to report this account and responding that the account is correct and verified. when the company has never validated the account or provided a HIPAA release. On XX/XX/XXXX I started to keep track of my disputes in case I needed to make a complaint like this. and here I have some of the proof of my disputes with copies of certified mail and tracking number. also experian open a investigation one date and next date update if and three more date just close the dispute.and this is being since XX/XX/XXXX 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 explanation
Consumer complaint received 2021-08-31
Company: Experian Information Solutions Inc.
State: MD
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 submitted disputes and FTC reports for these fraudulent accounts. They have not been deleted. 

Experian - XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$1400.00} XXXX  - XXXX XXXX XXXX {$690.00} XXXX XXXX  {$560.00}

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 explanation
Consumer complaint received 2021-08-31
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01
Company: KEYCORP
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have to many bills, and they are stacking up on me, i was doing good, paying on time.I had to consolidated my bills, im willing to pay it off, if I can get student loan reduce to half of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CITIBANK, N.A.
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 filled a dispute regarding the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-08-31
Company: Phoenix Financial Services LLC
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 filled a dispute regarding the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: SLM CORPORATION
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sallie Mae bank proceeds to call me and people they've found that are possibly close to me. They are harassing people who are not even related to me in an attempt to reach out to me. I have spoken with these people time and time again. They should not be finding random numbers to harass that are not even related to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-19
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm the victim of identity theft as a result some of the information on credit was fraudulent. I have requested these information to blocked, but the credit reporting agency failed to do so. 
XXXX CARD with the balance XXXX XXXX card with the balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Great American Finance Co
State: FL
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:
This account should not be showing the current status of late since it's already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate this illogical status and provide me with the date of the last activity for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Approximately XXXX years ago the family living at XXXX, XXXX, SC XXXX left the home due to the back starting foreclosure. Over the last XXXX years the house has fallen in shambles. The grass has had to be cut by neighbors as well as the home owners association. There have been many instances of homeless people living in the home and staying only late at tonight to sleep. Also, children have been breaking into the house to play and vandalize. There is garbage everywhere in the interior of the home and garage. Repeated attempts to secure the front door have failed as the door continues to be broken into. This is a safety concern for the neighbors.

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 2015-12-16
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company in question : ProCollect Inc, XXXX. XXXX XXXX XXXX, TX XXXX XXXX : ( XXXX ) XXXX I have been called continuously to provide credit/debit card information. I have been making payments through money orders and XXXX. This company had tried to collect a debt that I owe to an apartment complex. When first contacted about the debt by XXXX XXXX ext. XXXX, i was immediately asked to provide debit/credit card information to make payments on the amount owed. After I declined to provided said information, it was agreed upon that I would be able to make payments via money order or XXXX. On XXXX XXXX, 2015, I sent a money order in the amount of {$100.00} dollars which they received and cashed. 
Nearly a week later, I was contacted by a different representative and asked again for credit or debit card information to make a payment. I again declined to provided that information for my next payment. On XXXX XXXX, I mailed in another payment for {$100.00} which was cashed on XXXX XXXX a week later, I was contacted again by XXXX XXXX asking for credit/debit card information and my next payment. XXXX XXXX alleges that they did not received the payment that was cashed on XXXX XXXX. I sent in proof of payment and asked her why I have note been receiving monthly statements of my owed balance after making payments. She simply brushed me off. In frustration, I asked if there was another way that I could provide payment without putting a card on file. XXXX XXXX and I agreed that sending a XXXX would suffice since they are affiliated. On the same day of our conversation ( XXXX XXXX ), I sent a XXXX with XXXX XXXX on the phone and verified the reference number for my payment. XXXX XXXX verified that the payment would be processed. Again, I asked her again about receiving a monthly statement in the mail. XXXX XXXX stated that they are not " obligated '' to provide me with a statement. A week later, I received yet another phone call from yet another representative again asking for credit/debit card information to provide payment. This representative even asked me to pay the balance in full during this call. Again in refused to put a card on file and ended the call. Ever since, I have been receiving phone calls XXXX times weekly asking for a credit card. I have never dealt with any debtor who refuses and declines my request for a monthly statement and refuse to send any more payments until I know that this is a legit and legal company collecting my payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Good afternoon : Equifax erroneously has a " bankruptcy '' reported on my credit report. At no time have I EVER declared bankruptcy. I called the XXXX Bankruptcy XXXX of the XXXX XXXX and they affirmed that they have absolutely no record of a bankruptcy under my name or social security number. Please help me get this off of my record as I am unable to obtain the insurances necessary to purchase a home until this is remedied. Please advise how I should best proceed as the bureaus refuse to remove this mistake from my records despite my requests to do so. Should the bureaus not have to verify such an egregious error with the XXXX Bankruptcy Courts before they continue to disparage my reputation and credit score? 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CCS Financial Services, Inc.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company CREDIT COLLECTION SERVICE have contacted me in regards to attempt to collect a debt that I dont owe to them. I XXXX XXXX is the original creditor who didnt sign an documentation with CREDIT COLLECTION SERVICE and have no knowledge of an account with them and dont owe them anything.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation