BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-24
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been trying for over a year to get my credit report from all three credit bureaus. I keep sending them the information to obtain one, my current address, my driver 's license, my social, and other information and I keep getting letters stating they are unable to process because they want the same information all over. I have even sent them mail from the united states postal and the courts and they still keep sending me the same rejection letter. I have also sent information to you and others regarding disputes on my credit that needs to be removed and they keep sending me the same rejection letter. And when they have sent me information it is in someone 's elses last name

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 2017-07-24
Company: Navient Solutions, LLC.
State: GA
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 never consented to be a co signer, account does not belong to me, I am a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: WESTERN UNION COMPANY, THE
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
WESTERN UNION MUST FURNISH ALL DOMESTIC AND INTERNATIONAL WIRE TRANSFERS I SENT FROM XX/XX/XXXX TO XX/XX/XXXX PER LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I tried unsuccessfully today ( XX/XX/2017 ) to have Equifax correct their data entry error regarding the incorrect spelling of my name on my credit report, and they refused, asking me to submit documentation as to who I am. I refused, because there is sufficient information for them to correct it without documents. This is causing consumers to not be able to access my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX has been reporting XXXX balance accounts paid off by a loan consolidation as collection accounts impacting my credit score negatively.

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 2018-12-03
Company: Resurgent Capital Services L.P.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried to contact XXXX XXXX numerous amount of times to request documentation pertaining to the debts that are being reported on my credit reports. There is a collection account reporting the substantial amount of {$990.00}. As a consumer, it is my right to request thorough information affiliated with this debt. This has been going on for the past 8 months and I have yet to receive a debt verification letter via mail. I also initially sent this over to the credit bureaus in XX/XX/XXXX. I've attached my letter I sent to XXXX as well as proof in my computer on when it was sent. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My complaint is with Sallie Mae. Sallie Mae did an unauthorized credit search on myself and my co-signer on the XXXX XXXX and XXXX XXXX. Sallie Mae did not have are permission to run are credit. We were working to get a settlement with the company to pay back a personal school loan. And being that the payment was late because we were in dicussion with Sallie Mae. They reported it to the crediting reporting companies. Due to this happening. This has lowered my credit rating and my co-signers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
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: Old information reappears or never goes away

Complaint:
I have a lot of credit account that are close and paid plus over 10 years on my credit report and never go away I needed to be removed from my credit reports Thank you

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 2019-10-21
Company: EQUIFAX, INC.
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-26
Company: NCB Management Services Inc.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX sold the account to XXXX, THIS ACCOUNT WAS DISCHARGE IN XX/XX/2021. WE WILL RE-OPENING XXXX TO FILE ADVERSARY LAWSUITS AGAINST BOTH. SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loans are now in default, but when I graduated and began repaying I would pay more than the monthly payment and AES would never credit the extra paid to the principal of the loan. They always put the extra on the next month 's payment. The fact that they applied money to the next month and not to my principal is illegal. I called them numerous times ( which I documented ), called the Department of Education to complain, and would even write on my checks, " The extra money should be applied to the PRINCIPAL of the loan. '' I tried to file a complaint with the Ombudsman at AES and never could get a satisfactory response. I eventually quit paying on my loans, because AES raised my monthly payment, and the principal amounts on the loans was never decreasing. I even contacted a lawyer about this situation and turned over copies of all my documents. By the time the lawyer got back to me and told me that I had a case, I had already quit paying my loans payments. The situation is a mess and has ruined my credit. I have no way of repaying any of it at this point, because I live in poverty and barely make enough money to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I purchased a used car from dealership with my own financing on XX/XX/19. Dealership cashed 2 different loans for the same car, resulting in my debt to income ratio been higher and showing multiple loans. Original purchase was {$25000.00} and dealership accepted twice the amount.

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 2016-09-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently disputed XXXX XXXX Account XXXX with Experian for reporting incorrectly. The account was discharged in Bankruptcy XXXX/XXXX/16. The account instead was updated paid, closed with late payment history added.

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 2017-10-16
Company: Experian Information Solutions Inc.
State: IL
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:
These are the only 2 places I have lived in the past 13 years.
XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX, CO XXXX.

Therefore I could not have been at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXXXXXX
Placed for Collection:
XXXX 
COLLECTION AGENCY/ATTORNEY
Balance: XXXX
Date Updated:
XXXX Original Amount:
XXXX Original Creditor:
XXXX XXXX (Rental/Leasing)
Past Due:
>XXXX<
Pay Status:
>In Collection<
 
Also I have never done business with XXXX XXXX. 
I was not in the state when this was filed.

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 2017-10-16
Company: EQUIFAX, 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:
IVE ATTACHED MY CREDIT REPORTS WERE THE FRAUD IS SHOWING, I HAVE FRAUDULENT NAMES, ADDRESSES, AND ACCOUNTS. ( FRAUDULENT ACCOUNTS, XXXX XXXX, XXXX, XXXX, XXXX, ( XXXX ) XXXX XXXX XXXX, CENTRAL FINCL, OPTIMUM OUT ). I ATTACHED MY DRIVER LICENSE TO SHOW YOU HOW MY NAME IS SPELLED AND MY ONLY ADDRESS PLEASE UPDATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXXX17 XXXX XXXX called my place of work to contact me, and then tries to get information from me for my bank acct, to draw money from bank account. Then also wanting other personal information. Told them I need to go due to having to go to afternoon duty, then start arguing and demanding things. Told them I would call back in morning which I did and told supervisor exactly what I could do, then he begins arguing and saying things, also told him not to contact me at work any more.

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 2017-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery added a debt to my credit profile without notifying me about the debt in advance. 

On XXXX XXXX, 2017 I received a notification that Portfolio Recovery added a n account XXXX XXXX XXXX XXXX to my credit file. I was in the process of verifying/confirming the debt with XXXX XXXX and they removed the account from my credit file and two months letter it was sold to Portfolio Recovery and put back on my account. I was never notified of this debt and I know its against my Consumer Credit rights to add any accounts to my file without proper notification. This addition to my credit file dropped my score down immediately. 

Please investigate my claims and make appropriate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Senex Services Corp.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Senex services has been paid in full and they refused to remove their derogatory remarks from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Midwest Recovery Systems
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Multiple requests have been made to MIDWEST RECOVERY SYSTEMS , LLC for p roof of debt required by federal law, but the company has refused to submit proof in writing. They continue to report a  7 year old  debt to credit reporting agencies, but they will not provide verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Stuart-Lippman and Associates, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good day, I recently learned that a past debt appeared in my credit score history as unpaid recently. I called the company Stuart Lippman & Associates and they confirm that my debt was successfully paid in 2016. 

I would like to have this corrected in my credit history. I hope you can assist me, Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: T.S. Holdings
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: Their investigation did not fix an error on your report

Complaint:
I reported that the information on my credit report was inaccurate and asked that the agency remove those errors numerous of times XXXX XXXX XXXX XXXX XXXX, XXXX IQ Data International IN XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On  XXXX   XXXX ,   XXXX  , my account ending  XXXX  was placed on an account restricted status without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: NCB Management Services Inc.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
NCB management calls me ove r 10 ti mes a day. They call early and late. They have now changed their number to unknown. I am trying to dispute this debt but they still call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted the company LVNV Funding on  XXXX / XXXX /   2017  and contacted them numerous times up till  XXXX / XXXX / 2017  and have explained to numerous representatives that I have paid the company  XXXX  on  XXXX / XXXX / 2017  and stated I have a receipt paid of the balance owed and I was told by LVNV representative that they can not update their collection records with my receipt and they were not going to update this on my credit report I have contacted  XXXX  which stated they are going to transfer my debt payment to th e LVNV Funding deb t collector and I have not had any progress on a debt I fully paid as this still is affecting my credit in a way that banks think I still owe and I do not have a balance owed to  XXXX  and LVNV is still trying to make me pay a second payment to their company and does not want my receipts of full payment from  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: SUNRISE CREDIT SERVICES, INC
State: CA
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 no knowledge of this debt. I never received a right to dispute.

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 2017-08-24
Company: Live Well Financial, Inc.
State: NJ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
My father XXXX XXXX XX/XX/XXXX. Before that time he took out at a reverse mortgage back in XX/XX/XXXX. Now that he XXXX the company which is called Living Well Financial contacted me and told me that I had to make arrangements to pay the loan back or they were going to start foreclosure proceedings. I feel in my heart that this company took advantage of my father because of his age and the fact he was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following is a list of hard inquires on my TransUnion credit report I do not recognize nor did I authorize. Please remove these inquiries from my credit report as soon as possible XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX credit - XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America blocked this merchant from accessing and the enabling application of XXXX  to link.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have Account  with PNC bank For Long Time With Good standing Balance, Suddenly They Close my A/C, No given Reason Say we can close any A/C If we want.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: ResidentCollect, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Have a court order since XXXX XXXX 2011 Court found it on my favor. Ever since the apartmentd XXXX are putting me on collection for the amount of {$1800.00}. 
They have not removed it. Even when I have proof and summit to my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX needs my bank to send it updated info so I can use the app properly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: ALLY FINANCIAL INC.
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
I have no knowledge of these charges. I 've never heard of these transactions and I never gotten anything in the mail from them. XX/XX/XXXX XXXX XXXX XXXX, XXXX - {$230.00} XX/XX/XXXX XXXX - {$76.00}XX/XX/XXXX XXXX XXXX XXXX XXXX, WA, XXXX - {$150.00}

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 2017-08-26
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I took 3 classes online at XXXX XXXX online school. The are saying my student loan debt is over 10,000.00 dollars. I  have no idea where the money went but i do n't believe i owe XXXX XXXX for 3 classes i tried contacting XXXX XXXX and get no answer I can not get into fasa. This is ruing my credit report. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have already begun a dispute of the validity of a series of debts being reported on my XXXX, XXXX and XXXX XXXX reports with CCS AKA Credit Collection Services AKA Credit Control Services but upon doing further research about the company in question I have come across a major violation of FDCP and Ohio debt collection law. CCS AKA Credit Collection Services AKA Credit Control Services as of XX/XX/2017 and present are not and have not been registered to do business in the state of Ohio and as such is in violation of attempting to collect a debt within the state of Ohio, my state of residence.

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