BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-25
Company: Ad Astra Recovery Services Inc
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have previously disputed with this showing me that they have signed documentation that I owe them the said accounts. The only thing I have received is the uploaded information. This is not showing me that I 'm the person who has a signed contract with this company. They are stating they have reviewed the clients files, but no type of documentation was forwarded to me. I 'm requesting accounts ( both ) to be removed from all XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After applying for credit several months ago I was denied and requested my free credit reports from all XXXX CRA 's. It showed I had an account from a XXXX. After several days and hours of getting to the bottom of this it shows that the account was opened when I was XXXX years old. I submitted my drivers license, social security card, and birth certificate to all XXXX credit bureaus as well as XXXX. On top of that I submitted an affidavidt saying I had no knowledge of the account. I asked how they opened an account under my name at that age and what identification they used to verify my identity. I got a response saying the account was mine. I do not understand how I can open an account without my knowledge and with being under 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 2023-03-14
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX contacted my mother on multiple occasions between XX/XX/2023 and XX/XX/2023. On XXXX XXXX my mother was informed by XXXX XXXX of exactly how much I owe. I called XXXXXXXX XXXX and attempted to inform her what she did was wrong and she hung up on me. Because of who my mom is and her actions, I choose not to deal with her as I have a history of XXXX, XXXX, and XXXX, well my mother turned around and informed 3 family members who then informed me of the issue. This caused me to go to the XXXX with difficulty breathing and right shoulder pain due to dealing with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Experian Information Solutions Inc.
State: LA
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 sent your company a dispute letter last month, XX/XX/2023, It's been over 30 days already but I still haven't got any update in any form coming from your company. I am aware that the FCRA is requiring the CRA 's response within 30 days but I don't know. I read on the internet that I can ask for help from CFPB, XXXX, and the Office of the Atty General so I'm resending the documents that I sent last month for you to look into. Thanks!

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 2020-06-12
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
As of XX/XX/XXXX, PNC still advertises connectivity with XXXX yet trying to connect my XXXX account to my PNC account gives me a message that PNC has changed their settings and no longer allow for connectivity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Mnet Financial Inc
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have XXXX knowledge of this account. According to my XXXX credit report, this debt is from XXXX of 2014. I have not received ANY correspondence from this company in the mail, not have I ever received a phone call regarding this debt.

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 2016-04-14
Company: DISCOVER BANK
State: AZ
Product: Credit card
Issue: Rewards

Complaint:
I made a purchase of {$980.00} on XXXX XXXX, 2015 using my Discover it card with XXXX XXXX. Discover was running a promotion offering XXXX % cash back on purchases made using XXXX XXXX. Discover has not paid the XXXX % cash back that was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a TPD discharge on student loans. XXXX has notified all Credit Reporting Agencies. XXXX loan holders are still stating that I have made late payments, these are supposed to be removed from my credit report after TPD discharge. In addition, the discharges are reported as transferred over to a new agency, which is a negative report. I cant find out from Credit Reporting Agencies or XXXX if it is an error in the way XXXX reports to the reporting agencies or how the agencies are documenting. Either way, a TPD discharge should not drag my credit down, it should improve. It has been over six months with no resolution Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
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:
See attatched Letter dated XX/XX/XXXX XXXX Equifax XXXX Accounts 1 ) XXXX 2 ) XXXX We are currently processing and will NOT BE CONDUCTING FURTHER INVESTIGATION. See attatched XXXX C DEBT XXXX 3 ) XXXX CANCELATION OF DEBT XX/XX/XXXX. 
I attatched documents previously Equifax DID NOT ADDRESS A THIRD ( 3 ) Account. I also attatched documentation XXXX XXXX STATEMENT 4 ) XXXX XX/XX/XXXX BAL {$100.00}. Equifax did NOT ADDRESS THIS ACCOUNT. I see four ( 4 ) XXXX DIFFERENT ACCOUNT NUMBERS???

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is for a phone bill that I do n't believe I owe. When I first received notice I wrote them and asked what it was for and proof that I owed it. I received no response. I am unable to find my original letter that I sent. However if whoever this is that is damaging my credit report can prove that this is legitimate bill I would gladly pay it. I would like this damaging information off of my credit report. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Radius Global Solutions LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
DEAR RADIUS GLOBAL SLOUTIONS, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX  XXXX PARTIAL ACCOUNT NUMBER # XXXX AMMOUNT OWED {$240.00} PLACED FOR COOLECTION : XX/XX/2019 SINCERELY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a Collection Notice from IC System on behalf of creditor XXXX  for {$220.00} against account No. XXXX. I have a current XXXX  account but it was for a different location and had a different account number. My research determined the account number on the Collection Notice was for a property I sold in early XXXX. The XXXX  account was paid and closed at that time. I verified the status of the account was paid and {$0.00} owing by signing in online to that old 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 2019-12-16
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:
sent affidavit of the issues caused by the data breach please correct the inaccurate information asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-11
Company: EQUIFAX, INC.
State: TX
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:
THE ADDRESSES THAT ARE POSTED ON MY CREDIT REPORT DO NOT BELONG TO ME. I HAVE NEVER LIVED AT ANY OF THE ADDRESSES LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Company continues to refuse to send me information which validates that this is my debt that I signed for. They continue to mail me XXXX documents ' stating that there is a account, but no other information is provided. When I pointed this out and pushed for validation of debt, they ignored me blatantly and tried to get me to file a police report citing fraud and identity theft, ignoring my request for validation. They are ignoring my right to validate my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: Midwest Recovery Systems
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a unverified account from MIDWEST RECOVERY SYSTEMS #  XXXX . I had previously disputed this account. I have never done business with MIDWEST RECOVERY SYSTEMS #  XXXX . Pursuant to the Fair Debt Collection Practices Act ( FDCPA  ) 15 U.S.C.1692g, I dis pute the validity of the debt purport I owe. I request that MIDWEST RECOVERY SYSTEMS #  XXXX  Provide verification of the follow ing : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. )   An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MIDWEST RECOVERY SYSTEMS #  XXXX  Cease and Desist all further communications and collection actives and provide the verification of the purported debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a notice from one my credit monitoring services on XX/XX/XXXX that Discover had closed my credit account of {$11000.00}, unbeknownst to me. When I contacted Discover, they stated they closed the card " due to inactivity ''. The last purchase on the card was XX/XX/XXXX, and payments were still being made on the card in XX/XX/XXXX. They also stated they sent a notice of this closure in XX/XX/XXXX and that it would be available in my account inbox. This notice does not exist and it was never sent. When I contacted Discover by phone they then stated that their " terms do not specify the amount of time an account must be inactive '' and they reserve " the right to close at any time ''. Though the Discover representative on the phone was unable to point me to a location where I am able to view those terms in writing, he insisted I had no options except to " re-apply for another line of credit ''. Not only have they just just sucked {$11000.00} out of my credit balances, their only offer is for me to add another hard inquiry to my report. This is outrageous. And again, with no notice to consumer beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019 and 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-12
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was using XXXX money transfer on XX/XX/XXXX and mistakenly used the wrong phone with the write name. Typed XXXX instead of XXXX. 
Wells Fargo said they can't help because the transaction went through. I tried telling them there was an error in the number and the money went to a person I don't know but they said they couldn't reverse the transaction. They expect me to call the person myself.

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 2015-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have XXXX XXXX accts that have been sold to a third party collection agency. Negatvies being reported by XXXX AND the new company ( XXXX XXXX ). so, instead of XXXX delinquent entry, all credit reports reflect XXXX delinquent entries. I feel this is a double jeopardy scenario. I do not feel that any of the XXXX major credit reporting bureaus have done anything to help me. they have attempted to pacify me with phone calls and offers of reduced rate credit monitoring services. they have done nothing to actually resolve my dispute up to and including investigation into my issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: CITY NATIONAL BANK
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or missing disclosures

Complaint:
I want to pull from reserve

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 2016-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We filed our Chapter XXXX bankruptcy in Iowa in XXXX, it was granted effective XXXX XXXX. It was discharged in XXXX. Our mortgage company at that time, Bank of America, held XXXX mortgages. Both were filed with the bankruptcy filings. We received paperwork on XXXX mortgage, but not the other. I called BofA to inquire and they said only that no further money was due on the second mortgage. We proceeded with the filing, leaving the second mortgage amount listed. Although we did not discover this until much later, in XXXX of XXXX an " Insurance Company '' filed a lien on our property for the original amount of the second mortgage, almost twice as much as the amount I had contacted BofA about. We had never heard of the Insurance Company. I tried to contact the Insurance Company, sending XXXX or XXXX ( ca n't remember ) letters and calling on several occasions, but was never able to connect with anyone either by letter or phone, getting no return mail or telephone calls, even though I left several messages. 
We first learned of the lien after the bankruptcy was discharged, when we tried to get a mortgage on our home in order to do some necessary repair and major maintenance work. Due to the presence of this lien, which we knew nothing about, we were unable to get a loan of any kind. They have never contacted us or tried to collect, except once, after receiving notice from the court that the bankruptcy was discharged. They apparently contacted Bank of America first, and were told contact us, asking us to tell Bank of America to send them any money that BofA had collected during the bankruptcy that belonged to them. I did so, apparently BofA did send them a check. During my conversation with BofA, I learned that BofA had purchased " mortgage insurance '' from this Insurance Company, and the Insurance Company had paid off the loan to BofA, which was why it showed that nothing was owed to BofA on the second mortgage. 
I think this entire exchange was underhanded and possibly illegal. We were not told the loan was sold. Can you help us to clear our title of this lien? Thanks for any help you can give.

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 2019-12-16
Company: R.M. Galicia, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The Progressive Management Systems sent a letter to me on XX/XX/2018 requesting that the balance of {$780.00} to be paid. However with further investigation of the collection agency during a credit repair, it came to my attention that the Progressive Management Systems license is inactive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: EQUIFAX, INC.
State: ND
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 am a victim of identity theft and been a victim of identity theft for quite some time. Someone stole my personal information and identity to open 2 personal loan accounts that are fraudulent and unauthorized. The following personal loan accounts do n't belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX, Loan Number : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, ( XXXX ) XXXX, Loan Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was told in XX/XX/XXXX that i was eligible for an " auto pay '' program and as a result my next payment would n't be due until XX/XX/XXXX, so I made plans with the extra money in XX/XX/XXXX. I spent some and put some into savings. XX/XX/XXXX I got a call from Navient in which they informed me that they made a mistake and that I was n't eligible for the " auto pay '' and, as a result my payment is now past due and I owe for XX/XX/XXXX. I now have to take money out of savings to cover the mistake. 
I do not trust these people to be handling my debt responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
This is a long store, it started back in XXXX with a XXXX, the plaintiff decided he did n't like my insurance companies offer and took me to court. His car was a flood vehicle with XXXX miles on it and when it went to court, the judge awarded him {$1000.00} for his trouble ( NJ XXXX had offered him more but he did n't want that ). This little ding went into public records even though the insurance company paid it immediately. It was n't discovered until 6 months later when I pulled my credit rating which was in the high XXXX, low XXXX and found that Equifax had dropped my score over XXXX pts. I sent them evidence ( scanned payment from NJ XXXX XXXX and they would not accept it. It was n't until I hired an attorney and got the attorney from NJ XXXX involved that Equifax accepted the documentation. They would not correct my score, only stated that it would stay on my report until XXXX. Since I used to have a stellar rating I assumed that it would correct itself in time. That has not been the case. I have purchased multiple " XXXX Score and Rating '' reports from XXXX, Equifax , etc and every time, Equifax neglects to provide any information. When I contact them they state that my credit companies ( XXXX XXXX, XXXX, etc. ) must not be transmitting the data. I 've been to XXXX XXXX, etc. and they indicate the contrary stating they report monthly and always have. This back and forth only got this way after I had hired an attorney. It has now been almost 4 years and I still cant get the information I 've paid for nor the correct information. 
The incident numbers below are over several years, as I have been trying to resolve this for that long. I also hired an attorney to look into the issue and after his communications, they lowered my score. 
XXXX - Equifax XXXX - Equifax XXXX - Equifax XXXX - XXXX XXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with explanation