BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-18
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Attempting to collect XXXX for a cable bill. Documentation provided shows a bill dated XX/XX/18. Owed XXXX which was a previous balance. On XX/XX/XXXX charges of XXXX for equipment charges. On XX/XX/XXXX equipment was returned and an adjustment was made for {$590.00}. Leaving a balance of XXXX. Convergent has continued to validate debt that is not owed and provided proof from all the bills.

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 2018-02-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Since my identity was stolen in XX/XX/XXXX, I have checked my credit often to stay on top of fraudulent activity. I kept noticing that I have repeated negative reporting from the same company ( XXXX XXXX ). Due to their illegal collection practices they removed one of the accounts from my credit report and ceased collecting on that account - but the other one, they are keeping there but have made no attempt to collect ( since I welcome the opportunity to dispute this in court ). They are doing this out of spit - since they were unable to collect on the other debt they bought. The last few disputes I have had -XXXX  , has only accepted the minimal agreement from this predatory collection company that the debt is valid and refused to investigate further. Stating that that's all they have to do - ask the collection company and if they say the debt is valid, that's what they accept - regardless of the information I provided to the contrary. The account is listed by the original creditor as a charge off and as a collection with this company - causing two derogatory ( negative ) hits on my credit report. The last time I disputed this with XXXX was XX/XX/XXXX. I am doing it again because I am trying to clean up my credit to buy a home and this has to be resolved. A collection company should not have the ability to remain on your credit for 7 years without attempting to collect on the debt - the statute of limitations for collection on a debt in my State is 3 years. If they are not going to collect on this debt then it should not be on my credit to sit for an additional 4 years, along with the original creditor.

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Re-aging an account is a violation of the FCRA ( sec 605 ) XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-04
Company: Westlake Services, LLC
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I had a car with American Car Center we know that they filed for bankruptcy and this company Westlake took over their lease contracts. I did receive an email from them telling me they took over ACC accounts but it mention on the bottom of the email this is not an attempt to collects debt. Well recently I woke up and my car was gone! They repoed my car and when I called them they say I still owe on the car which I didnt know and on their site its telling me to pay but I dont have a total amount and what Im paying for! I found out I owe to purchase the car because I was just leasing. I had to pay {$1000.00} to get my car back and now they saying I owe {$5000.00} to totally own the car. I have no documents from them and they dont even have all the paperwork from ACC bankruptcy trustee so they dont have my lease agreement they just going off of whatever is being sent to them. I dont want to pay them and dont have proper documentation on what is owed

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 2020-03-18
Company: The Collection Bureau Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My daughter and three roommates were tenants in a building managed by XXXX XXXX XXXX for 3 years ( they were all XXXX students ). When they moved out, XXXX charged each tenant for various items. The charges were around {$450.00} per person. I paid most of my daughter 's charges as the guarantor on the lease, but disputed two of them : ( 1 ) for painting her room because of thumbtack holes in the wall and ( 2 ) cleaning and/or replacing the main living area carpet. I disputed them because both are routine maintenance and would be undertaken for any incoming tenant/these are the landlord 's cost of doing business. The two disputed items were about {$130.00}. XXXX cashed my check for about {$320.00}, and has now referred the remainder to Collection Bureau Inc. in XXXX, Idaho. I've contested the debt with both XXXX and the collection folks, but continue to receive harassing letters demanding payment. 

As you'll see from the attached emails, the landlord claimed the carpet was " stained. '' Not surprising when four college students live in an apartment for 3 years. Later they claimed there was " pet damage. '' I don't know about the others, but my daughter didn't have a pet so even if there was pet damage so I'm certainly not responsible for that.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-04
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:
I have been trying to dispute the accuracy of XXXX XXXX  on my reports. I sent a letter advising information is not accurate. All 3 bureaus updated my reports with still inaccurate information. I have asked for method of verifications and got nothing. Now the account is reporting late for the last year. How is that possible and the account has been charged off since XXXX  There are late payments from this year and the balance is going up and down. They are violating the FCRA and damaging my credit with incorrect and false information.

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 2023-06-04
Company: Frost-Arnett Company
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX I received a bill from XXXX in addressed to XXXX XXXX in the amount of {$1300.00}. I went directly to the XXXX store and they pulled up all my info and said the account was made online. I went right then and filed a stolen identity police report. I took report back to XXXX. In XXXX of XXXX I received a letter from Frost-Arnett Company say they were a debt collector and was attempting to collect a debt for XXXX. I sent them a letter with the police report attached. In XXXX of XXXX I received another letter saying I was still being held responsible for the XXXX bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Experian Information Solutions Inc.
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 can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXXXXXX XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXXXXXX XXXX  - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXXXX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/2022 - This inquiry was not authorized - I did not authorize these inquiries please remove this from my 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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
this complaint is for trans union I want to dispute an error on my credit report. The agency XXXX XXXX XXXX, put me in collection that reflects on my transunion credit report, stating that I owe them {XXXX}. I contacted them but they dont want to give me info whether this amount is from an credit card or a loan. They insist that I have to pay them. I let them know I have proof that I was a victim of identity theft .But they refused to accept any proof, they keep insisting that I have to pay them. 
Im requesting to get the collection removed from my account.

Im attaching, a copy of the police report of identity theft, residential, I live at the same address XXXX  agreement, account services /XXXX a proof of residency.

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 2021-07-04
Company: Carvana Group, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2021 I XXXX XXXX, I entered a consumer credit transaction online in which I was the original creditor and the seller with Carvana by providing my credit card ( license ). As I proceed online to further the transaction there is a down payment of {$37000.00}. Because there is a finance charge presented pursuant to 15 USC 1605 they can not take down payments because the finance charge is the sum of all charges. Once my credit card XXXX license ) was submitted there was a credit card transaction in progress. 18 USC 8 pursuant to 15 USC 1602 ( a ) ( I ) once the card is submitted all obligations in this credit card transactions are paid for.

In pursuant to 15 USC 1611 giving false or inaccurate information or fails to provide information is a violation to my consumer rights In pursuant to 15 USC 1640 ( 2 ) ( A ) ( i ), ( 2 ) ( B ) for violating, in the case of an individual action twice the amount of any finance charge in connection with the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting 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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-06-04
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This account was first reported on XX/XX/2019 in the amount of {$1200.00}. The collection agency has harassed me through emails, phone calls and mail. I have disputed this erroneous information but their aggressive tactics to collect have only gotten worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Earnest Inc.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have emailed Earnest twice to get my payment day shifted back by 2 days, but they refuse to do so. They say I have to go in and manually change to monthly, wait 24 hours, and then change back dates. It's not worth my time for something they could fix on their end in 3 seconds! See below for latest email I sent them. 

XXXX XXXX XX/XX/XXXX, XXXX XXXX PDT Can you move my payment date back by 1 day ( move to XX/XX/XXXX, instead of the XXXX ). This will help me align it with my paycheck that I get on the XXXX. Please don't tell me I can do it myself. I want you to do it for me. I know you have the capability. Consider this message my formal written request. 
Please keep passing this up the chain of command until it reaches someone that can fix it. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Nelnet, Inc.
State: MO
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:
Reached out to company regarding a loan forgiveness program. Provided all requested documents. Company is stating that I need to provide documents in analtered format to qualify for the program. Already provided lawful documents according to application and have fax confirmation of transaction. Company is attempting to bypass paperwork and make me responsible for remaining student loan of XXXX, instead of forgiving loan according to the law. Additional fax confirmation sent on XX/XX/XXXX to XXXX XXXX of Missouri Attorney General Office to speak on consumers behalf - XXXX Nelnet.SSDI recipient and forwarded to Department of Justice Disability Rights Section/Intake Unit. Letter Dated XX/XX/XXXX Advises to reach out to DOJ ADA Information Line for any additionalconcerns, per XXXX XXXX, Director of Intake Unit, DIsability RIghts Secition - XXXX. Company is allowing a disparate impact to take place among disabled individuals due to their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files immediately. Even though, my account is frozen, XXXX recently listed this account on my credit report without my knowledge. 
I provided a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to XXXX that are the result of identity theft. I also provided a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. In addition, I provided a copy of documentation pertaining to the Data Breach and XXXX completed Affidavit, along with a police report.

The Notice also specifies their responsibilities when they receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information was provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

I suggested that they investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.

I've not received any type of documentation of report of their findings. Also, all the these fraudulent charges are still on my credit report. 
Date : XXXX XXXX XX/XX/2023 Amount : XXXX ( there are 12 accounts adding up to {$4000.00} ) Company : 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 2018-08-23
Company: EQUIFAX, INC.
State: NJ
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 contacted XXXX, Equifax and XXXX over the past 3 years via online to remove outdated information on my profile to no avail. Some of these items are over 10-12 years old and should have been removed at year 7. Most of the items have reached the statute barred limitations as well for my state. Additionally, there are some entries on my credit that do not belong to me and should be a case of identity theft and removed as well. I am hoping you can assist with this issue with the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Experian Information Solutions Inc.
State: WI
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:
On XX/XX/2022 I sent a letter regarding an inaccurate and unknown thing on my credit report. On this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of furthermore, being ignored of my dispute. Section 611 ( a ) states that failure to investigate these items within 30 days gave reason to immediately remove these items from my credit report. it has been over 60 days so they shall be deleted promptly. I demand these inaccurate, unfair and unduly expensive accounts be removed from my credit report immediately or I will file a litigation in result of the stressors and damages this has caused my family. furthermore my information was impacted by the XXXX Data Breach which may have resulted in my information to be in the hands of the wrong person.

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 2021-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/XXXX XXXXXXXX XXXX reported I had not paid a {$2.00} charge that was over 30 days old. I have not used this card. I had previously been on my mothers account for this card however I have not been an active user for several years and she called as the primary account holder to pay the charge and remove me from the account. I have called we well however it still comes up on my credit report that I owe {$2.00}.

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 2023-09-04
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute with the credit bureaus about an account that is not validated. The company still did not validate the account and the credit bureau is still reporting the account on my credit report. It has been over two 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