BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: Law Office of James R. Vaughan, P.C.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX to XXXX years ago my husband did a flooring job and it was destroyed by other trades working in the home. The last judgement was the judge telling both my husband, the owner of the flooring company, and the customer to work it out in the hallway of the court. They came to an agreement and that was the end of it. It was a XXXX XXXX dollar agreement. 
We took care of my mother for XXXX years. She had Parkinsons and was in a wheelchair. Because I was physically destroyed after lifting my mother for XXXX years I was given her life insurance of XXXX XXXX dollars. My mother passed away, the insurance deposited the check and the second it went in the bank account, XXXX XXXX XXXX  XXXX  to the entire XXXX XXXX dollars out of the bank. We didnt owe anyone money so it took several days to find who and why the money was taken out. We called the debt collector and they said tough luck for us. They said there wasnt anything we could do. 
I tried to XXXX XXXX. I was so shocked I couldnt get out bed for over a year. We are people that planned on that for the only retirement we would have. Leaving no money in the bank everything began to bounce and it overdrew our bank account XXXX XXXX dollars. We had to sell our belongings to pay the rent and keep the car. 
What a world we live in. Mind blowing fraud but we had No defense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following :. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account :. Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, XXXX or TransUnion } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.

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 2017-03-31
Company: ERC
State: NC
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:
My complaint is in regards to a debt that is being " double reported '' on my credit file by Enhanced Recovery, account # # XXXX in the amount of {$1200.00} and also by XXXX XXXX, under account # XXXX in the amount of {$1200.00} which was sold to them by XXXX. 

I have requested " validation '' of this debt from Enhanced Recovery which I do not owe because I have never signed any contract with this company. What they continue to do is send me a bill and a letter stating that they are the owners of this debt. This company continues to report this on my credit file which I have recently disputed with all XXXX credit bureaus and with them as well. Please also see attached a letter from another debt collection agency, XXXX XXXX, in which they have ceased collection efforts and closed this same account. Therefore, Enhanced Recovery have broken the law by not validating said debt, and they still have not marked the debt as disputed on my credit report within 30 days. 

Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2023-04-29
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: Account information incorrect

Complaint:
I received a copy of my credit report and I have found the following items listed below to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed PAYS or PAID AS AGREED. 

XXXX  XXXX name + XXXX I was never late on this account. Please update the account as Paid/Current. 

XXXX XXXX  + XXXX I was never late on this account, and the account is closed and paid in full. Please update this account as Paid/Closed. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this within 30 days of receipt of this information. 

Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I've attached my driver 's license and proof of current address.

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 2016-10-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been trying to communicate with Wells Fargo and do not seem to be getting any clear answers as to why they are showing up and reporting derogatory information about me on my XXXX XXXX XXXX report. I am well aware that XXXX was started by big banks, for big banks, and is funded by big banks, but FCRA rules do apply. This is my 2nd request for them to proove the account belongs to me by providing me something with my signautre on it or delete it. 

I do n't know why I must spend so many countless hours trying to correct this companies mistake, this is causing me a lot of stress. Since I can not get an answer from Wells Fargo maybe XXXX can investigate and show that it conducted a proper investigation. Show me anything with my signature on it. This information that has been reported to XXXX simply does not belong to me and ins 100 % inaccurate. 

I am a XXXX citizen per attached. This specific mark is preventing me from obtaining in home care that I need after my car XXXX. 

Please do not call and communicate only by way of the CFPB portal or mail only.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Acct number : XXXX XXXX XXXX  accordance with fair credit regarding act convergence to those account has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C section 602 A section 2 : its also states a consumer reporting agency can not furnish a account without my instructions. 


I reject everything they said here : On XX/XX/XXXX the apartment all ready has been rented by new tenants. XXXX her self told me that they will have new tenants on the XXXX of XXXX. 
I vacate the apartment since XXXX XXXX. Why all this charges after vacate the place? And they do have the mover insurance as well. 
I didnt make any damage in the property. 
I didnt make any late payment. 
I wasnt late to move for them to charge me XXXX $ I didnt Damages - Trash removal from move-out Neither Damages - Drywall Repair on XXXX and XXXX floors I move out the XXXX of XXXX. 
And the apartment was way clean. 
I sign this form on the XX/XX/XXXX on good terms that Im moving out on XX/XX/XXXX. 
XXXX send it to me to show that Im moving out on the XXXX of XXXX. Doesnt show that I owe them of broke anything. 

This form is for all tenants when you are moving out a month before to vacate the apartment.

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 2019-08-15
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:
Incorrect information report on my Experian Credit Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: LEXISNEXIS
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 have sent numerous letters to the credit bureau and they continuously fail to make corrections to my file. Instead they use stall letters, and claim that a 3rd party sent the letter. They refuse to investigate and send proof of investigation to me even after more than 5 request in the past 12 months. 

Please refer back to the many letters I have sent in the past 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am going through a divorce currently and was required by the courts to pull my credit and show any and all joint accounts. Upon doing so I realized there are numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside at XXXX, CT XXXX yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I would also like a free updated credit report sent to my address once these accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have followed the law to a T and these accounts need to be removed within 30 days without question. 

Accounts : XXXX. 

Inquires : XXXX Also Attached my paystub for address verification just in case it is needed

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 2023-04-29
Company: Experian Information Solutions Inc.
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 have sent numerous letters to the credit bureau and they continuously fail to make corrections to my file. Instead they use stall letters, and claim that a 3rd party sent the letter. They refuse to investigate and send proof of investigation to me even after more than 5 request in the past 12 months. 

Please refer back to the many letters I have sent in the past 12 months.

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 2017-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX reported to the Credit Reporting Agencies that I made late payments from XX/XX/XXXX to XX/XX/XXXX. I was discharged from my Chapter XXXX bankruptcy XX/XX/XXXX and I have missed on payment in that year. They are reporting my late payments that occurred during my bankruptcy. They never gave me any notice during the bankruptcy that I was behind and instead falsely reported that I did n't make any payments for 8 months in XX/XX/XXXX. I have bank statements showing I paid the company every month accept XX/XX/XXXX and that is when I entered into a loan modification and was told not to pay that month. This false reporting has cause me not to be able to obtain lending. They should not have reported anything that happened during my bankruptcy they also never told me during the bankruptcy that I was behind making payments. Also, around XX/XX/XXXX I made a double payment and at the time asked them if I was all caught up on my payments to which the representative replied yes. They have a message that all phone calls are reported so we should be able to check the records.I have tried to dispute this issue with the company and the credit reporting agency to which they responded that they company is accurately reporting.

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 2020-03-31
Company: LD Holdings Group, LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Starting a refinance with XXXX XXXX XXXX Loan Depot on XX/XX/20 Received Loan Estimate, Lock Agreement ( good through XX/XX/20 ), Appraisal, and was told everything was in order Received call last week that they could no longer complete the loan because of COVID 19, and left me with no options How can they cancel this process after a month and having agreed to terms?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-12
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am a holder of American Express Gold Personal ( # XXXX XXXX XXXX ; expires XX/XX/XXXX ) and Business ( # XXXX XXXX XXXX ; expires XX/XX/XXXX ) Credit Cards. Although I have been an AMEX customer since XXXX, I am new to the American Express Membership Rewards ( MR ) program. On XX/XX/XXXX, I initiated my first attempted use of my MR points by transferring XXXX points to my XXXX XXXX XXXX ( XXXX ) account # XXXX. I was unsuccessful in the attempted transfer and received a message indicating that my transfer was blocked because of attempted illegal transfer to an unauthorized party or an attempt to sell my rewards points. I subsequently attempted another transfer from my spouse and authorized user, XXXX XXXX and received the same error message. I immediately contacted both AMEX Business Gold Card Customer Service and XXXX and have tried to resolve the matter, receiving conflicting information. I was informed that the issue may have been because of my mispelled last name on my Business Gold Card ( XXXX XXXX XXXX XXXX which has been corrected and I have new AMEX card on the way but am stil unable to transfer my MR points. I was also initially informed by an AMEX supervisor on XX/XX/XXXX that my experience was due to a temporary glitch that AMEX was experiencing and should be resolved in 48-72 hours. Only after multiple follow up calls was I informed that my account was under internal review and all I could do was wait for a call from their department. In the meantime, XXXX does not allow placing itineraries on hold and I risk not being able to utilize my points for my desired flights At my last contact with AMEX, the case was finally escalated with a case file of XXXX. Additionally, I have not been given a timeline within which I can expect case resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought a {$50.00} American Express gift card from XXXX. Tried to use it and every transaction keeps getting declined. I tried to use it on XXXX, pay towards my internet bill, pay towards electric bill, and XXXX 2 more times. I called the number on the card and no option to get a customer service representative. I log in to check the balance and it says the card is active but it has now taken XXXX cents for every declined transaction. So now it has {$49.00}. I found a different phone number and spoke to someone and they said just keep trying different vendors or in person purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13
Company: MOHELA
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Ny loan was moved from XXXX to MOHELA. I received messages online stating I did not renew my IDR. The messages were dated XX/XX/2022 but received XX/XX/2022. My application for IDR was sent to XXXX XX/XX/2022. I uploaded the IDR form the same day, XX/XX/2022. I received another message on XX/XX/2022 that was dated XX/XX/2022 and stated they needed 10 more business days to process my IDR. As of XX/XX/2022 my IDR is still pending with full payment over {$500.00} due by XX/XX/2022. It has been over thr 10 business day and no response in regards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Couch Lambert LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I signed up for an XXXX XXXX card  for the Company, The XXXX XXXX, XXXX and was told at that time that I would not be personally responsible for this account and that it was a company account. The card was used only for company expenses and purchases. I was personally sued for the amount of {$19000.00}. While dealing with XXXX and covid I was not able to get anything done about this. I was made an offer but could not afford to handle this at that time. XXXX got a judgement for the amount stated. 
I was never contacted again. On XXXX XXXX a garnishment was placed on my Husband and my bank account for {$39000.00}. I understand that I am probably responsible for the {$19000.00}, but to take and extra {$20000.00} from my account is a strain on me and my family and should be returned. This is way out of line for Attorney fees for a unsecured credit card case. These funds were put here for medical services and payments. At this point we have no where to turn. We have had no correspondence with this company and have tried to reach them for the past week. Calling and being on hold for hours at a time. I have tried to call them every day this week to no avail. We have not received any notices or any correspondence from them, and have left numerous messages on the voice mail. The law firm that we called gave me another number to call and told me that the firm has merged with them and to call them, again no one will answer and I could only leave a message in which I have left quite a few. 
This is really causing me a hardship.

Company response to consumer: Closed with explanation