BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-31
Company: Global Credit & Collection Corporation
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls with the following message. I have no debts whatsoever, nor do I owe anyone. This is a scam and they need to stop calling. I have all calls saved on my phone to show how many times they are harassing me. 

" <my name> in accordance with state and federal regulations you are hereby being notified of a pending claim in our office your file number # # # # # # #, as it is in your best interest to speak to a live representative now by pressing one. Or either you or your attorney contact global international services that telephone number XXXX this is an urgent matter requiring your immediate attention please reference your file number when calling in <my name> you have been officially notified Thank you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
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: Information belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-10-13
Company: Central Portfolio Control Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Told them to send me proof of the debt. They refuse to. Keep calling with blocked or un registered numbers. Asked several time for them to stop calling. They claim they have the right to call as much as they want. Asked for managers name or legal rep and they claim to be a lawyer working the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Per the Covid Cares Act, if in forbearance due to Covid related hardship the mortgage company should not be reporting the payments as late during that time to the credit bureaus. My mortgage company did, my credit shows late payments every month during forbearance.

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 2020-05-15
Company: Experian Information Solutions Inc.
State: UT
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 been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-10-28
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2020 I filed disputes with the Experian, XXXX  and XXXX. It has almost been 60 days and I still haven't heard anything from them. Why is it taking so long for them to response to 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 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2020 I filed disputes with the XXXX, Transunion and XXXX. It has almost been 60 days and I still haven't heard anything from them. Why is it taking so long for them to response to 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 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 late payments reporting on the accounts are completely incorrect. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting. Remove XXXX XXXX XXXX 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 explanation
Consumer complaint received 2018-02-28
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2018, I received a call from an XXXX phone number that left a voicemail to call them back or they were going to send someone to serve me. I called the number back and spoke with XXXX XXXX, she verified my name and I asked who she was with and said she was with an attorney office. I asked if this was a government attorney office since it came up as an XXXX number and she said yes, so asked the name of the office and she told me XXXX XXXX XXXX. I advised her that I knew that is not an attorney 's office because I have filed a dispute with them for debt validation. She stated they were sending someone out to serve me with papers for a lawsuit. I advised her I knew it was illegal not only to represent herself falsely, but to threaten me with suit espically when I am disputing the claim, and I was going to file complaints with the State of Texas XXXX  XXXX and CFPB. She at which point said that was ok and asked if I would like to speak with a manager. I replied No. The same company also called my husband 's cell phone and left the same threatening voicemail for me. When my husband called back and spoke with an operator she stated they were sending someone our to serve XXXX XXXX with papers for lawsuit. He stated she can not call him regarding XXXX 's matters and hung up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: EQUIFAX, INC.
State: CA
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:
Submitted to have inquires removed by certify mail and got no response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
An incorrect delinquent account status was reported to credit agencies and now reported on my credit report. The account is for a student loan where the student is still finishing his last semester and hence, the payments are not due. However, as of XXXX of 2020, WF has been asking for payments!!

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 2020-05-15
Company: ONEMAIN FINANCE CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The date of XXXX XXXX I contacted the company to ask about my loan and stated to them that the interest rate was extremely high for an XXXX dollar loan.i have payed {$1000.00} over the last five months and only {$410.00} has been applied to my principal. {$590.00} have been applied to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, 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:
EQUIFAX wrongfully shows the negative account,US DEPT OF EDUCATION/XXXX account #XXXX on my credit bureau.Yesterday equifax "verified" the account as minefor the umpteenth time.The account was never mine.I did not apply for this loan.I did not receive any proceeds from this loan.I have never received any proceeds nor were any educational facilities paid for my benefit.IT IS NOT MINE!IT IS AN ERROR OF THE DEPT OF EDUCATION!I have received negative credit reporting for years and would and could sue Equifax but I have to get in line and I think Equifax will be Bankrupt soon.I have attached  copies of my CA drivers license and social security card.I have attached "the police report of Id theft"an FTC REPORT.IN XXXX...EQUIFAX'S CFPB RESPONSE WAS CONTRARY TO THE FCRA.THEY SHOULD HAVE SUPPRESSED THE INFORMATION UPON RECEIPT FROM THE CFPB.EQUIFAX HAS FOREIGN EMPLOYEES THAT HAVE A DISREGARD FOR US LAW.AS OF THIS MOMENT,EQUIFAX HAS REMOVED 4 OF THE 5 SCHOOL LOANS MENTIONED IN THE FTC REPORT.EXPERIAN AND TRANSUNION HAVE REMOVED ALL 5.THIS DEPT OF EDUCATION LOAN SHOULD HAVE ALREADY BEEN SUPPRESSED BY EQUIFAX AND EQUIFAX WAS NOT REQUIRED TO CONTACT THE DEPT OF ED,BUT FOLLOW THE SCRIPT OF FCRA PROCEDURE AS WRITTEN BU THE US CONGRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: WESTERN UNION COMPANY, THE
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
A western union international transfer for {$110.00}. MTCN XXXX was processed yesterday XX/XX/2018 successfully. However, their was an unauthorized cancellation of that transfer and the money was not available as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: U.S. BANCORP
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I opened the loan account with US Bank ( the lender ) in late XX/XX/XXXX. I set up auto-draft payments to be made on the first of the month from my XXXX bank account. The first payment due ( XX/XX/XXXX ) was never auto drafted. On XX/XX/XXXX I received a letter from the lender informing me that I had been reported to the credit bureaus because i had missed my first payment and it was now over 30 days past due. The day i received the letter I called the lender and ensured that payments were made in the past due amount and ensured that the account was both current and that auto-draft was set up and active. I never received a letter, a call, a text, or an email from the lender informing me that my payment was due, impending, tardy, or delinquent. The lender made absolutely XXXX attempt to contact me to collect payment prior to notifying the credit bureaus. Attempts to rectify with the lender have been unsuccessful. Attempts to dispute with the credit bureaus have been equally unsuccessful. This type of predatory lending allows lenders to negatively, deliberately, and maliciously impact the credit scores of consumers, thus allowing them to charge higher interest rates, and thus making them more money.

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 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX;		XXXX;		XXXX;		XXXX XXXX XXXX;		XXXX;		XXXX XXXX;		XXXX XXXX;	XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX;		XXXX XXXX XXXX;		XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX;		XXXX XXXX XXXX;		XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX;		XXXX;		XXXX;		XXXX XXXX;		XXXX XXXX XXXX;		XXXX XXXX;				XXXX;					XXXX;		XXXX;		XXXX;				XXXX XXXX XXXX;		XXXX XXXX;		XXXX XXXX;					XXXX XXXX;		XXXX XXXX;					XXXX XXXX XXXX;		XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX XXXX;				XXXX XXXX;		XXXX;					XXXX XXXX;		XXXX XXXX;		XXXX XXXX;				XXXX XXXX XXXX;			XXXX;		XXXX XXXX XXXX;			XXXX XXXX XXXX;		XXXX;	XXXX XXXX XXXX;				XXXX XXXX;		XXXX XXXX XXXX;		XXXX;				XXXX;		XXXX XXXX XXXX;		XXXX XXXX;		XXXX XXXX;		XXXX XXXX;					XXXX XXXX;		XXXX;		XXXX;		XXXX;		XXXX;		XXXX  and			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 2020-12-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My complaint involves all 3 credit Bureaus but especially Equifax who has applied information to my credit file based on incorrect personal information sited in my file. I am showing multiple names, addresses, SS # s and places of business resulting in incorrect credit information being attached to my file. I have sent letters asking for all 3 bureaus to remove the inaccurate data and nothing has been corrected. I am also a member of the Equifax Data Breach settlement and have not been compensated with the protective services I am entitled to in the settlement and no one will speak to me about this ... please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: OH
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:
XX/XX/XXXX - I paid for a lease with XXXX, upfront and in full. The agreement was for me to owe {$0.00} for the life of the lease. The attached contract and receipts show this was paid, including an additional cash amount corresponding to the turn-in fee. 

XX/XX/XXXX - 35 months went by and the lease was nearing the end, so I turned in the vehicle. At this time, the representative confirmed the vehicle was in good condition and the lease terms were completed. So I purchased another vehicle through the dealership. 

XX/XX/XXXX - 9 months after finalizing the lease, I was charged a fee since I didnt purchase a XXXX XXXX turning in the vehicle. Of course this was a mistake since I wasn't informed of the fee when turning in the vehicle and also because I have documents proving this was already paid over 44 months ago. So I started the process to get this corrected. 

XX/XX/XXXX - XXXX was initially unresponsive, as this occurred during the pandemic. But even though it was difficult to connect with a representative to correct their error, I immediately started getting late payments applied to my credit reports. 

XX/XX/XXXX to XX/XX/XXXX - I continued trying to work with XXXX to encourage them to abide by the contract. They refused. Then I started working with the credit reporting agencies to have false blemishes removed from my account. They simply asked XXXX if they were accurate, to which XXXX confirmed they were, and so no changes were made. All of the credit reporting agencies completely ignored the consumer, the contract, receipts and other documentation, and instead simply took the word of the creditor. As a consumer, all of my rights were taken away. 

XX/XX/XXXX - I ultimately gave up and just decided to pay the erroneous bill in order to have this removed from my credit report. So I paid the fee for a second time! Unfortunately this was never removed from my credit report. My score plummeted XXXX points based on this single, false record. And my hands are tied - there's nothing I can do to prevent XXXX from keeping these false records on my report and destroying my business. 

PLEASE HELP. AS A CONSUMER, I DID EVERYTHING RIGHT - MADE 3 YEARS OF PAYMENTS UP FRONT, PAID A BOGUS FEE TWICE, TURNED IN THE VEHICLE ON TIME AND IN GREAT CONDITION. I'M A PERFECT CUSTOMER, YET SOMEHOW THEY ARE STILL ALLOWED TO DESTROY MY LIFE!

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 2020-05-15
Company: Experian Information Solutions Inc.
State: WA
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:
To Whom It May Concern : I disputed a tradeline from XXXX with Experian on XX/XX/2020 that came back verified XX/XX/2020 from Experian. On XX/XX/2020 another letter asking was sent for method of verification ( FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). ). Experian failed to provide this within the 15 day time period. FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Since Experian is now in violation of the FCRA, I am reaching out to your agency to see if we resolve this with the tradeline being deleted due to improper investigation if one even happened at all, Incorrect information reporting and Experian failure to provide method of verification in a timely manner. If we are unable to resolve this and get the tradeline deleted I will be forced to file a suit against Experian. 
All supporting documents have been attached

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 2020-05-15
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Hello, i applied for paycheck protection program on XX/XX/2020 loan thru XXXX and XXXX XXXX. it got approved on XX/XX/2020 and deposited on XX/XX/2020. But they deposited it into the wrong account. It was supposed to go into the account that was on the loan documents. But XXXX and XXXX XXXX deposited it into another account that wasnt on the loan documents. Navy federal credit union has debited all of the ppp loan proceeds on XX/XX/2020 from my checking account that it was depositedinto. I called them on XX/XX/2020 and they wont reverse the debits. 

Can they do that? this is a federally protected program right? 

I told navy federal credit union that it was for a paycheck protection program loan and that it had to be used for the payroll. They didnt care at all about it. They said i owed them. I need help in getting this matter resolved. 

Attached you will find the loan docs. And a screenshot of proof of what i am saying

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: STERLING JEWELERS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never purchased jewelry in my life. This company is trying to scam me and adversely impacting my credit. You can check my credit history and you will see I have always paid my debts. There was originally two different jewelry companies showing purchases by me, but one removed their claim after I talked to them, however one has not. XXXX XXXX will issue anyone a card in anyones name through a company called XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I noticed several collections on my credit from Trans World System. They took one emergency room visit and broke it down in twenty different segments and put each one on my credit. in the amounts of {$10.00}. {$5.00} and so on.
They never sent me a notice or anything they just put these errors on my credit.
I am a veteran and have insurance and am on XXXX and my insurance paid my medical bills.
This company really caused me a lot of harm..
I sent for validation of the debts and they are just ignoring me. this has been going on for six months

Company response to consumer: Closed with explanation