BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-14
Company: DISCOVER BANK
State: MA
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:
For the first time I ordered XXXX credit report XX/XX/XXXX I found in my XXXX credit report # XXXX dated XX/XX/XXXX Discover card # XXXX issued XXXX I dont know any thing about this card and never been in my possession on XX/XX/XXXX at XXXX XXXX  I called discover customer services I told them that I never receive the card mentioned above I also stated that I never sign any application for that card I asked the rep to give me any proof of signing any application the send me a form to fill for investigation. On XX/XX/XXXX I received a discover letter stated that the application I requested is not retrievable. 
On XXXX, XXXX at XXXXXXXX XXXX I called XXXX ( discover rep ) I asked him if customer services fix the issue and remove my ownership of the card ending XXXX out of credit agencies he told me that he will send me a form to fill for disputing the owner ship of the credit card I filled the form and returned it direct. On XX/XX/XXXX I received discover letter stating that the card issued on XX/XX/XXXX was sent to XXXX XXXX XXXX XXXX MA XXXX meanwhile my address was and still XXXX XXXX XXXX since XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX I called XXXX / XXXX XXXX XXXXXXXX Representative she said that she will start a new investigation and to send me any proof of ownership of the credit card I kept calling an calling but no solution. 
The card mentioned above was reported in my XXXX  credit report since XXXX I filled chapter 7 bankruptcy on XX/XX/XXXX if the card mentioned above was in my possession why wouldn't include it in my bankruptcy. after long searching I hired an attorney to sue discover On XX/XX/XXXX my he sent a letter to discover regarding the card but my bad luck was that he passed away before follow up. Lately discover claim the amount that was not related to me with a form 1099 to pay taxes on.

I don't know what to do I hope you help me avoiding the tragedy that I suffer years and years they hurting me financially I still can not buy a house. I am still looking for an attorney who accept sue discover you don't believe how nit was and still hurting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: KY
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:
Refuse : UnauthorizedTransaction : Perjury.

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 2016-11-17
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I contacted Diversified Consultant In a few weeks ago about account that showed up on my credit profile. I explained to them that the account was not mine based off the last XXXX digits of the social security number. I disputed this account with the credit reporting agencies and I am getting no where with them. I write this company a letter and contacted them via phone on XX/XX/2016 to try to get assistance and they said I need to contact the creditor if I had a dispute. They are the ones reporting and they refuse to correct the issue. I am at wits end and I do n't know what to do besides file this report to get assistance. They are not following rules and guidelines of Federal Crediting Reporting Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX has placed a collection debt on my credit report for XXXX bureaus in the amount of {$1600.00}. I do not owe this debt. I ended my contract early and relocated to T mobile. Then XXXX charged me for the total amount of the contract. when I dispute this account with the credit bureaus the dispute comes back verified. when I dispute the account with the Collection agency XXXX I do n't received any proof that I owe this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: Diversified Consultants, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They continued to charge my account even though I requested months prior, they discontinue my service. They continued charging me for service which i did n't have. It 's not right i am being charged for service i did n't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. This does not belong to me. collection XXXX  Please remove it from my credit report. 
Please note, that you only one Bureau who has reported this negative account on my report. I made a copy of my report, see attachment.

The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is my second complaint about Wells Fargo, I am trying to do a loan modification for the past 2 years and I keep getting the run around I sent the paper work in a bunch of times, all I get in response is your missing something, than I 'll send that and they tell me I 'm missing something else, than I have to redue all the paperwork again because it expired, I send it in again and again your missing something this has been an ongoing thing and I have been really XXXX over this whole thing had to get XXXX family problems my partner of 13 yrs left because of this whole mess, I 'm falling apart here I want to keep my home and need some help fast before they forclose on my home, I got a email from you saying to call about my first complaint, I called today and the man could not help me with anything, said the wrong stuff was written down from someone there at cfpb wrote the wrong stuff down, he said he would call me back it 's been an hour now and I still have not heard back from him, I need to get this resolved BEFORE I loss my home so I can save it, while I 'm in the modification process I get a letter saying the XXXX with be handling my loan, I 'm trying to get a modification from Wells Fargo now I got ta deal with another company and get all new paper work, this stress is going to kill me and than it will be on Wells Fargo hands, so please can someone take care of this asap

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: AMERICAN HONDA FINANCE CORP
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: Account status incorrect

Complaint:
In XX/XX/2021 Honda Financial Services put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end because I was told that due to Covid-19 no accounts were allowed to go into the late payment status which is clearly not true. They refuse to remove this late payment after explain the situation to them and this resulted in my credit score being lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Denied credit card by chase base on in -accurate information in my credit file. Reference Number : XXXX, CHASE. 

MY INCOMES - XXXX SOURCES - FAR EXCEEDED MY EXPENSES - AS ALSO PASSIVE INCOME SUPPORTED MORTGAGE MONTHLY DEBTS. 

CHASE DENIED CREDIT CARD BASE ON IN-ACCURATE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: EQUIFAX, INC.
State: GA
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:
I am becoming more and more frustrated with your company. Upon finding these errors being reported on my credit report I have taken the necessary steps in order to inform you all of the errors. Nevertheless you all are not doing your part to resolve my issues. My family and I are becoming very impatient. My attorney told me to send this letter in order to alert you all of these errors before taking legal action. I am a person that goes to work everyday in order to make sure my family have equal opportunities just like everyone else. I am a consumer that refuses to be a victim of harassment or abuse. According to 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. Reporting false information on someone's credit report is detrimental to a consumer 's reputation. Sending letters an a attempt to collect debt from a consumer who debts do not belong to is also a form of harassment which is another violation of 15 USC 162d 1. ( 1 ) Constantly sending mail that has symbols of a debt collector on the outside of letter is a violation of the use or THREAT OF VIOLENCE or other criminal means to harm the physical person, reputation, or property of any person ; is an violation of the Fair Debt Collection Practice Act. Also according to 15 USC 1681 ( A ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and GENERAL REPUTATION OF CONSUMERS. You can review my credit report as evidence to see that my reputation in fact has been ruined. This section clearly says that a consumer 's credit report was established to identify a GENERAL REPUTATION OF CONSUMERS. Also, I stated before I was a victim of the Equifax Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: WELLS FARGO & COMPANY
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have XXXX student loans serviced by XXXX ( XXXX ). I refinanced both loans into a single loan with Wells Fargo, and my husband cosigned the loan. According to Wells Fargo, they sent a check to XXXX on XX/XX/2017, and began accruing interest on the balance they had lended to me. It is now XX/XX/2017, and XXXX is saying they never received the check from Wells Fargo, and that I am late on my XX/XX/XXXX payment to them. I have already paid the maximum that I can afford to Wells Fargo for the month of XX/XX/2017, because I did not know that I would have to pay both loans simultaneously. 

I have had multiple conference calls with XXXX and Wells Fargo customer service representatives. XXXX says that Wells Fargo has to provide an image of the check and proof that it was cashed, if in fact the check was cashed. Wells Fargo says that they can not provide that. 
Also, Wells Fargo says that it can take 60 days for the check to process, but by that time, I will be 63 days late on my payment to XXXX, and XXXX says they will go to the credit bureau by this time. This will damage my credit. I essentially am burdened with twice the debt that I originally had, and am offered no solution from either bank, but to pay XXXX for a 60-day period until the payment processes. 

My XXXX account is under My maiden name ; XXXX XXXX, and my father XXXX XXXX My Wells Fargo account is under my married name XXXX XXXX, cosigned by my husband XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 've continued to explain that this debt has been written off from XXXX XXXX XXXX back in 2008, and not to call me at everyday as this is harassment and to communicate everything through letters to me. I contact my attorney who said to contact the FTC and file a complain as he can only stop them if it 's through my cell phone. Spoke to XXXX XXXX on around XXXX and informed her to stop calling and to send all communications through the mail. Spoke to XXXX XXXX to continue all communications through and to stop calling me on the phone and to send through the mail from Portfolio Recovery Associates at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Portfolio recovery services reported an account to the collection bureaus ( XXXX, XXXX and XXXX ) which has cause negative/adverse action in regards to my credit file. The company never validated the debt in accordance to the fair debt collection practices act as I requested. The company reported this debt without notifying me or validating it. I called the company and the company claim they mailed a letter out in which I never received from them. FDCPA 1692g requires and states that Bill collectors are to validate debts before continuing collection efforts according to section G of the FDCPA. This company has yet to do so and have yet reported this account to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: ENOVA INTERNATIONAL, INC.
State: CA
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 fraud. While checking my credit report, I noticed a collection of {$7600.00} from 12 NETCREDIT by XXXX XXXX. The account was open on XX/XX/2019. I never applied or received any loans or credit cards from NETCREDIT. This is the first time I become aware of this change. Never received any statements, letters or any other form of notifications from NETCREDIT concerning this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Atlanticus Services Corporation
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receiving several calls from this collection agency or credit card company I called account services about these calls and they refused to take my informaton because I would not give personal information to them- Told them that i had a attorney representing me and the person on the other line refused to take the information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: ENCORE CAPITAL GROUP INC.
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: Account status incorrect

Complaint:
The lawyer collecting and I agreed on XXXX by XX/XX/2021 to settle the debt in full. 2 weeks later midland sent a credit update that shows it was never paid. I started disputing the information and provided bank statements and the agreement for payment. Midland denied this and continued to report as not payed. So I disputed with a second crediting agency. Now midland is reporting that I still owe a balance that was not agreed upon and the account is still open and behind and unpaid. So I submitted the letter from there lawyers stating that I have paid in-full as of XX/XX/2021 and this account is closed and not late as of XX/XX/2021. Which is dated before all of their bogus reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX does not have enough information to validate this debt. This is not my debt and they are falsely reporting it to all XXXX credit bureaus. They can not provide proof this is my debt other than statements they created and sent. I need to see what identification was used to start this account falsely under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
on XX/XX/XXXX I applied for business checking account on bank of america website. They had a promotion. {$500.00} Business Checking Bonus with {$20000.00} Deposit. 

Account was opened on XX/XX/XXXX after I sent them extra documents they requested. 

Within a couple of weeks I deposited requested amount ( {$20000.00} ). However, they never gave me a promised bonus. 

I contacted Bank of america on XX/XX/XXXX. they had been transferring me between departments but could not give me any useful information. 

As a result of being hooked up on this promotion I only lost {$9.00}. 

I want them to fulfill their offer and credit my account with {$500.00}.

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 2015-08-03
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Unvalidated debt reported to credit bureausAfter reviewing my credit report I saw DIVERSIFIED reported an alleged debt without ever making contact with me. They illegally reported unvalidated debt on my credit report. This is a violation of FCRA and FDCPA regulations. If this illegal entry is not removed from all three reports I will take legal action. I do not have an account number as I have had no contact with trident. I do know the balance of the alleged debt is listed on my report as {$40.00} with a date of XXXX 2015 as the date placed for collection. - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXXXXXX post Requested an hard inquiry on me credit report with XXXX XXXX I investigate my report on XX/XX/2022. The date the hard inquiry was reported was on XX/XX/2022. This was never establish through me because first I was in process or preparing with filing XXXX XXXX XXXX and second I already had credit through them and had to get place in XXXX The date I filed bankruptcy was XX/XX/2022.

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 2022-10-26
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
FedLoan Servicing completed my PSLF review. I had consolidated my loans in XXXX. 

FedLoan Servicing discharged my loan for XXXX payments made to XXXX XXXX from XXXX. 

However, Fedloan Servicing did not count any payments made from XXXX XXXX to a prior servicer. I have been continuously employed by the XXXX XXXX  since XXXX. 

I believe I am entitled to have these payments counted and to be refunded payments over XXXX.

Company response to consumer: Closed with explanation