BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: Experian Information Solutions 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:
on XX/XX/XXXX, XXXX XXXX XXXX XXXX  add a derogatory mark on my credit report per XXXX XXXX and Experian and XXXX XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX XXXX, Account Name # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than record of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have submitted complaints however I have n't gotten a response. I checked my Credit and found many many errors. It 's scary how these creditors can report debt that does n't actually belong to you and then go further to demand you to pay a debt you do n't owe.   XXXX   is reporting   XXXX   on my Credit Report and even sent me an email. I have no knowledge of either of these loans. When I inquired I found out these loans are Student loans. I in fact worked very hard to put myself through college so I would not have student loans and here I am still owing debt that I did not obtain. There Also is A   XXXX   XXXX  . This is not my debt either. I have been harassed by these individuals attempting to take money from me that I do n't owe. I have no knowledge of these accounts and I pray you can help me to resolve this problem. There is one account on my report that should not be reporting because it is too old. The   XXXX   XXXX   XXXX   XXXX   was closed in 2008. Please Remove this from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has been communicating with me without my expressed consent. I had told them to stop and they continue which means that they do not care about violating the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA describes communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium that midland credit has chosen to continue to communicate with. All this is for the following account XXXX Furthermore they have stated that they only need to honor direct communication which is complete disobedience to federal law and complete willful violation of my right to privacy. In my dispute letter I made it clear that I wanted no more contact from this company unless it was to respond to a cfpb complaint or to send me a copy of the entire purchase agreement ( which they have not ). I demand them to cease because if they do not I am prepare to litigate. Additionally they have not validated the debt as they can not because I did not endorse a contract with midland credit pursuant to UCC 3-203, all they did was just purchase a contract and attempting to collect on it which violates federal law. This is also why they do not want to send me the entire purchase agreement ( not just the bill of sale ) and other validating data pursuant to 12 CFR 1006.34.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had a XXXXXXXX XXXX XXXX ( XXXX XXXX  ) for years, apparently it was bought out by Wells Fargo, so in XXXX ( XXXX ) I received a Wells Fargo Card and I saw that it said " XXXX XXXX '' so I assumed that they took over the account but I was never notified. There is only a couple of things that auto bill to that card and it is paid off every month, auto pay. Apparently that did not carry over, and today I got three letters. My first bill, a default letter, and an immediate payment letter. How about a phone call, an email, a letter welcoming me to wells fargo. Nothing, zero, zilch zip. I told the person on the phone what was going on and they did not offer any help, they just said they would notate the account. This is ridiculous that they can do this and now they can lower my credit even thought I didn't do anything wrong. Totally ridiculous. I plan to pay the card off on Friday and close the account but I want them to wipe off any bade credit rating they have given me.

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 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Investigation took more than 30 days

Complaint:
I have a private student loan with   XXXX   ( original creditor ) that is listed on my credit report as a charge off in the amount of {$21000.00}. Every month it shows up that I have missed a payment on my student loan to  XXXX .   About 2 years ago this loan was sold  ( ? ) to  XXXX  who now services my loan. I came to an agreement with FAMS that I would make payments of {$120.00} every month until the loan was paid in full. This amount is taken out of my checking account every month and I have never missed or been late on a payment for 24 months.   I have contacted FAMS and   XXXX   and explained that since I am making payments to FAMS, who is servicing the loan for  XXXX , I do not believe it should be reported that I am missing a payment every month to   XXXX  .    XXXX  wrote me back and told me that they can still report every month that the debt is charged off and that I have missed a payment.   Is this correct - seems strange that the loan owner can report a missing payment when I am making monthly ontime payments to their servicer.   Thank you  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 2023-11-06
Company: EQUIFAX, INC.
State: FL
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was late on a payment but was making monthly payments still. I was about 90 % finished on my auto loan. I never received any notice of Ally wanting to repossess my vehicle or selling my loan to a crediter. I fell behind a payment early in 2022 but I continued making payments and all of this just came out of the blue.

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 2019-01-28
Company: Nelnet, Inc.
State: OH
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:
My minimum payment for my NELNET loan is {$130.00} per month. I have been making a second monthly payment to my Nelnet loan for the last year. The additional payment of {$120.00} has done nothing to drop my balance. As a matter of fact the interest accrued this month was {$430.00}. My 2 payments combined were {$260.00}. Nelnet makes it extremely difficult for any additional amount to be applied to principal and I don't understand how they can charge interest that 69 % higher than my minimum payment. 
As I was looking over my loan documents I see that my loan is a consolidation of 2 loans.

My understanding of consolidation was that 2 loans rolled into one loan. But instead it is still 2 loans and they distribute the payments randomly in order to maximize interest accruals. While my documents call it one loan with 6.5 % interest I am actually paying 6.5 % interest each on 2 separate loans. How is this legal? My credit card  charges less interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX states I have a Debt in the amount of {$3100.00} that I have no knowledge of. I have tried to dispute this prior and the response back from Trans Union is that it was verified as accurate. No one has shown me proof or verification of what this is for. If this is a debt Transunion or XXXX XXXX XXXX XXXX believes I owe then I must be provided with documentation on what it is, my signature and all applicable documents.

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 2023-05-19
Company: Experian Information Solutions Inc.
State: NY
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:
Creditor Name : XXXX XXXX ( Bank ) Date : XX/XX/23 Action : When contacting XXXX and Experian to remove inquiry they advised me to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.

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 2023-08-12
Company: NAVY FEDERAL CREDIT UNION
State: PA
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 this creditor ( NAVY FEDERAL CR UNION ) has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Chaplain Financial Services LLC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was first called on XXXX. They called from XXXX and left a message asking me to return a call to XXXX. They left a threatening message on my voice mail stating that the " processor will require 2 forms of ID and will serve me at my place of employment and will present to my supervisor if I am not present. '' They contacted me on my cell phone, my home phone and I 'm fairly certain they called my neighbor and left a message ( she is also a relative ). 

I called them back today, XX/XX/XXXX, after repeated calls. They answered as " XXXX ''. I asked them for their name and address and was given " XXXX XXXX XXXX '' although previously they said they were XXXX XXXX. The address they gave me was just a street address of XXXX XXXX XXXX. I asked if they had already sent a validation letter to the debtor and they stated yes. This is false - nothing has been received. 

I then asked them to provide the name and address of the debtor and they proceeded to ask if I was " XXXX XXXX ''. I stated I would not provide any info about myself without verifying who they were. 

I then asked for the last 4 of the social security of the debtor they were trying to reach. They gave it to me which was the final red flag that they were a scammer as a legitimate collector would not answer this. Incidentally they did have the last four of my social. I told them that I knew they were a scammer and hung up. 

I have no outstanding debts that are not current and any " payday loans '' I had were discharged in a bankruptcy.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-19
Company: Albert Corporation
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I used Albert and they took a yearly subscription payment. I asked for it back, they told me to withdraw my money, but every time I try its a different amount and then says I have a XXXX balance despite $ XXXX being available. In other words, Albert is holding my investment hostage so they can charge me for a yearly subscription, and their customer support has not responded.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: The Receivable Management Services LLC
State: VT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX charged my dental insurance after an appointment when I told them I didnt have insurance. I paid for my dentist appointment that day in office. The dentist charged my insurance also by mistake. XXXX XXXX XXXX sent me a letter saying I owed them {$170.00} for that visit. I called my dentist and XXXX and told them about the situation multiple times. My dentist said they sent a check to XXXX. XXXX said they never received a check. It has been so long that XXXX sent that debt to a debt collector, The Receivable Management Services LLC. I disputed the debt with them through both the phone and online form saying its not mine. I continue to get letters about this debt. I want the letters to stop. I dont want to be the middle man. Its an issue between my dentist and XXXX. I feel harassed.

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 2019-09-20
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:
The inquiries are not related to any transactions made my me. I have never applied for these accounts. Please remove them as soon as possible because all of them are fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18
Company: Bread Financial Holdings, Inc.
State: OK
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:
In XX/XX/XXXX , I ordered clothing from   XXXX   XXXX  . Sales person ask me to open a credit card account, which I did. She never mentioned it was actually a credit card thru Comenity Bank which had I known, would not have authorized.
As soon as I realized this, I called  XXXX , talked to a   XXXX   XXXX   XXXX   and he agreed to cancel this account. This did not stop Comenity Bank from sending me a bill even though I paid off the purchase in  XX/XX/XXXX . They enrolled me a VIP program and sent a credit card which I never confirmed or never used. Comenity continued to bill me {$14.00} month. I refused to pay and ask for signed proof of requesting their card. Never received my request. This is much like   XXXX   XXXX   fraud.
In meantime, Comenity Bank turned the acount over to   XXXX   XXXX   who this complain is about. I have explained to them this situation. They continue to harass me with at least two times a day, even though I have requested proof that I signed any paper work authorizing this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX we had a severe thunderstorm that XXXX my 2 yr. old XXXX XXXX 49 '' lcd TV. I have supplemental Home Insurance Coverage w/ XXXX XXXX XXXX. in XXXX. XXXX Fl . -XXXX-XXXX-XXXX-XXXX- Acct. # XXXX. I called to file a claim, the automated voice asks problem, if TV press certain #. Spoke w/ Cust . Svce. who advised " claim denied- TV 's not covered '' .Their Booklet shows items covered w/ ELECTRICAL SYSTEM listed.When I joined in XX/XX/XXXX I was told by Cust. Svce that " ANYTHING connected to Electricity or Water was COVERED-Period ''! I complained via their Website Email today XX/XX/XXXX.
I was unable to find a local TV Repair so I went back to XXXX XXXX in XXXX, NC XXXX XXXX XXXX XXXX where I had bought the XXXX in XXXX. It was out of warranty so I asked for a low cost replacement- ( retired- $ limited ) .I have a XXXX XXXX Card that I have used for years to buy printer ink- also exchanged a defective Printer twice recently. I found a similar XXXX XXXX & requested a 2 yr. Finance Contract-same as I used 2 yrs. ago.
The request was denied by XXXX XXXX/ XXXX XXXX - Acct. Closed. The sales person re- entered the info requesting a new Card. Denied again. I had gotten " over my head '' w / 2 Credit Cards ( my fault ) & was advised by an Attorney to file Chap. XXXX. I did & it was dis- charged XX/XX/XXXX. but to this date XXXX XXXX has REFUSED to report my XXXX debt which was paid offXX/XX/XXXX up to this date. I explained this to the salesperson -nothing they could do- & purchased an Open Box ( returned ) similar TV for {$450.00}. Finally, as for this credit problem, I am looking to trade my XXXX XXXX  for a less expensive model which will lower my expenses by aprox. {$300.00} a mo. I have NO bills since Chap. XXXX & have never missed a pymt. with ANYONE. My SSI & Pension are {$2000.00} NET a month, my Current Credit Score is XXXX Trans Union, XXXX the XXXX others. Since the XXXX rejection I 'm afraid I may not be able to make the car trade w/ a Co. like XXXX XXXX ( lower rates etc ). I should be able w/ XXXX since I 've been with them 2 yrs. & have saved {$2000.00} DP for a XXXX model- selling for {$12000.00} Max. That 's my story.

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The list of accounts below has violated my federal protected consumer rights to privacy and confidentially under XXXX XXXX XXXX. 


XXXX XXXX Account # : XXXX has violated my rights. 

XXXX Account # : XXXX Has violated my rights XXXX Account # XXXX Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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