BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-12
Company: United Compliance Services, LLC
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called the debt collector asking for their mailing address to send payment. They not only refused, but insulted the way I was talking to them ( accused me of talking in a monotone voice ). The debt collector, XXXX XXXX, said " I sound like a serial XXXX  '', which I am not. I owe them the money, but this debt collector can not disrespect me on the phone. Their phone number is XXXX. This is not acceptable, to me.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-08
Company: Experian Information Solutions Inc.
State: TX
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 filed a CFPB claim but the response was sent to an auto finance company. THIS IS NOT A DUPLICATE COMPLAINT!! XXXX and Experian are reporting incorrectly on my credit report a collection that originated from XXXX. This account was sold to an unknown third-party and now there is a collection showing up on my credit report for {$560.00}. ( Please see page 19 of the attached credit report ). I do not believe I have ever had a XXXX account. If this account is mine then it has been over 7 years and is beyond the statute of limitations. Please remove this tradeline from my report. This incorrect reporting is a violation of the Fair Credit Reporting Act and is harming my credit score.

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 2018-04-20
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is committing fraudulent acts in regards to reporting inaccurate information. I had a 3rd party company to dispute on my behalf, the validity of XXXX XXXX XXXX XXXX   claim over the student loan accounts on the week of XX/XX/XXXX XXXX XXXX XXXX XXXX responded by sending me a letter dated XX/XX/XXXX.

The question is WHY is XXXX XXXX XXXX XXXX  asking for more information from me to investigate, when they are supposed to allegedly have my information to report to the credit Bureaus on a monthly basis? The Credit Bureaus, myself, and XXXX XXXX XXXX XXXX are aware that the accounts have been closed, transferred, and no longer in their possession since XX/XX/XXXX. How are XXXX, XXXX, and Equifax accurately verifying this information presently when all parties mentioned knew the accounts have not been in their possession for almost 3yrs? XXXX XXXX XXXX XXXX  has continuously reported the accounts closed and transferred since XX/XX/XXXX and was previously known as XXXX XXXX XXXX on my credit reports. But even that, the credit Bureaus are allowing this inaccurate information to stay on my credit report, continuously harming my economic wellness, in which is impacting my life.

Enclosed is a sample capture of 1 of many accounts, in regards to what is being reported on my XXXX and XXXX credit reports. Equifax is not releasing my credit report just yet. But I was able to confirm the accounts are on Equifax just as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Greetings I contacted the Hunter Warfield on XX/XX/XXXXin an attempt to just settle it quickly because I was attempting to buy a car and was made aware that there was a collection placed on my credit report that I had no knowledge of. The dealership told me that they may allow me to just pay a portion to get it removed quickly to proceed with the car buying process. That was not the case as they did not respond. 

On XXXX I requested a validation of the debt because I 1. Never received a bill stating that I owed anything from my former apartment. My keys were turned in at their request and we were moved out on time without any charges accessed. 2. I did not understand how they could place an unknown debt on my credit report without notifying me. 

On XX/XX/XXXX I received a letter stating they did not have that information available to verify the debt and they needed more time. I have disputed it through XXXX and they responded by saying they have the right to collect. 

No one is telling me why i never received a bill, what exactly I am being charged for, and how it is allowed to remain on my credit report even though they do not have the information available to verify what I owe and why.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: Ascendium Education Group
State: IN
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 I received a settlement offer from XXXX XXXX XXXX, on behalf of Ascendium offering to settle my student loan debt for {$6500.00}. Check was mailed on XX/XX/XXXX and was accepted/cashed by XXXX. On XX/XX/XXXX I am in the process of purchasing a home. The Loan Officer called me to say that the Department of Education is reporting that I still have an outstanding student loan in the amount of {$8000.00}. I called the DOE and was told they couldnt tell me anything because the loan had been placed with an agency, the XXXX XXXX XXXX XXXX XXXX XXXX. I called them on XX/XX/XXXX and was given voice mail, where I left a message. I called back later that day after not receiving a call back. I was sent to voice mail again and left another message. They were then closed for the weekend. On Monday XX/XX/XXXX I called and was given voice mail again. I left another message. I called a second time that day after receiving no call back and was transferred to XXXX, who told me he couldnt access my info and he transferred me to another office. I got voice mail again. I left a message. I received no call back so I called yet again. I told the receptionist that I really needed to speak to someone. She transferred me to voice mail AGAIN and I left another message. Im getting no help from this agency and cant even speak to someone about how to prove that the debt is paid. The Department of Education isnt helping at all either. This is keeping me from getting a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Resurgent Capital Services L.P.
State: TX
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 recently tried to purchase a vehicle and noticed I had several credit cards with outstanding balances. I have never taken out a credit card. I am currently a victim of identity theft. I have called several of the banks with outstanding balances and have closed some. ( so they say ) Accounts range from XX/XX/XXXX to  XX/XX/XXXX. that would mean someone has been using my social since I was the age of XXXX. 

Originally XXXX XXXX then sent to resurgent ( 3rd party debt collector ) amount due : {$2000.00} date opened : XX/XX/XXXX I was XXXX in this year I have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX. 

XXXX amount due : {$2400.00} date opened : XX/XX/XXXX I have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX. 

XXXX ( 2 accts ) amount due : {$0.00} date opened : XX/XX/XXXX ( XXXX yrs old ) amount due : {$530.00} date opened : XX/XX/XXXX I have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX. 

XXXX XXXX XXXX amount due : {$1400.00} date opened : XX/XX/XXXX have never received a call, email, or mail from them because they never had my real information until I contacted them early XX/XX/XXXX. 

I have called the 800 # s of these banks none of them had my actual personal information and I was told that there is an authorized user on them. 

address discrepancies contact info discrepancies age discrepancies

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am refinancing the loan on my cooperative apt with a different bank. New Rez 's attorneys told us that it is taking 8-12 weeks for them to produce the collateral ( stock and lease ). Since rate locks and mortgage commitments expire in 60-90 days, they know this because they are in the mortgage business. This means NewRez is holding me prisoner to a higher rate mortgage with them, and I have wasted fees in applying to a different lender. Nobody can refinance if this is their practice!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Square Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I filed a complaint against XXXX XXXX who is trying to collect a debt he claims my sister owes him. The complaint number is XXXX. On XX/XX/2021 I received the resolution from Square who says it appears to be a phishing scam and Square would never ask for money. I responded that I did not think this fixed the issue. I have just now again received a demand for payment, from the same person, XXXX XXXX, this time through XXXXc, and again another one from the same company as before, XXXX at https : XXXX } XXXX. ( the symbol before the numbers " 101 '' after " XXXX  '' is strange one, a vertical squigly that my computer keyboard does not provide I don't believe the CFPB investigated the correct entity..it may not be the companies that are wrong, unless they accept any claim for payment coming through their site, it appears to be the man, XXXX XXXX, who is initiating the fraudulent claim. I previously provided his telephone number, XXXX area code. Can you please look at the original claim again, nothing has been fixed. I received the same message only 2 days after you believed it to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the date below, but when I reached out to you, you changed it late from XX/XX/2017 and you place it on XX/XX/2017. 

It was late XX/XX/2017 and now it shows that it was late XX/XX/2017 - that's strange? 

I am not sure how this happened, or how your can your company make this error ... And I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: EQUIFAX, 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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
The accounts I am talking about are : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: EQUIFAX, 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:
I am writing this complaint over an inaccurate late payment. I was protected under the Civil Relief Act. XXXX XXXX XXXX  XXXX XXXX # XXXX. I have never been late on this account. I am also contesting the charge off on the XXXX XXXX  # XXXX. 

I am requesting that the late payments be removed from my report. I was serving my country from XXXX - XX/XX/2019 as a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX {$2400.00} charge me this since 4 years ago CREDIT CONTROL CORP {$560.00} charge me this since 6 years ago and have the wrong info and they still don't correct the info and say that is belong to me even thought I told them is not mine. I am a military spouse and I don't know why if I have 100 % benefits they charge me something that is not mine and ruin my credit this bad.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-18
Company: Experian Information Solutions 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts

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 2018-02-14
Company: TD BANK US HOLDING COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My Td bank checking account keeps having its address changed to an address I havent had access to in more than 6 mo. Theyve apparently been sending my checking account statements there for months despite even having the actual address on file for credit cards and numerous repeated attempts to change the address. I had a credit card statement/payment that was stolen from the mail or never sent that they tried to bill fees for and report to credit bureaus. I have called them repeatedly and changed the address for the checking account. I also went in branch in XXXX XXXX XXXX XXXX. I spoke to a XXXX guy who appeared to be XXXX based upon accent. It takes >20 min every time I call in. Ive had people call me claiming to be td bank reps asking for my ssn etc but they called from a slightly incorrect number. Calling td directly they stated that it wasnt them calling and that they wouldnt ask for a ssn like that. The checking account statements have a lot of personal details on it and also have the checking account number. Theres a few thousand dollars in the account. This is obviously extremely scary. TD also on account opening tried to deduct more than {$2000.00} from a brand new zero balance account despite having transferred that amount into the bank. Td bank has already been confirmed to be targeted at a high level to impede my personal economic prosperity with known XXXX insider threats at the bank including especially XXXX XXXX. Factually all of this stuff needs to stop. Banking and financial services are core infrastructure. These actions and or negligence are all illegal at this point and its extremely terrifying. Please mitigate the threats immediately and bring them to justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
called bank to inquire about rates, then they ran a credit inquiry & called it a mortgage application, but I never made ANY credit application of any kind. I called them & told them I saw their mistake. They promised to remove it from my name & sent me a letter detailing that it is their mistake & that I never made any sort of application. They said it could take up to a month for it to disappear from my credit report. It has been 1- 1/2 months & it's still there, on my record. I want it removed.

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 2018-04-04
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: Account status incorrect

Complaint:
I spoke with XXXX XXXX in XX/XX/XXXX to try to resolve an issue with several derogatory late payments from XX/XX/XXXX-XX/XX/XXXX that are being reported to the three major credit bureaus. I mailed my payments for XXXX XXXX on time. I normally do not mail payments, but because XXXX XXXX was confusing my XXXX XXXX debit card with my XXXX XXXX credit card, I decided to mail in the payments so there would not be any confusion and I could make sure that the account was paid in full and on time. I've attached a copy of one of the checks that was transferred to ACH by XXXX in XX/XX/XXXX, which is one of the months that is marked as derogatory. I spoke to XXXX XXXX about resolving this and they explained that they could not remove any errors unless it was their error. As you can see by this one example attachment in XX/XX/XXXX, the error was on their end.

I have disputed this information with the three credit bureaus and they have not removed the incorrect 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 2018-04-04
Company: Navient Solutions, LLC.
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:
Navient student loan was Paid off and never late it was in forbearance us dept of ed paid on time and never late it was in forbearance XXXX XXXX Im paying back on time and its still reporting me late I want the student loan people to stop reporting me late and remove all latenesses I was never late. when I tell them to remove it they said well its not on us call the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: EQUIFAX, INC.
State: AR
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 the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report XXXX/XXXX  XXXX {$4300.00} XXXX   XXXX XXXX {$1800.00} XXXX XXXX {$3000.00} XXXX  XXXX XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
SALLIE MAE AND XXXX XXXX IS FULL OF XXXX! they dont want to help at all they just care about getting their money even if you are in a financial struggle, unemployed or just dealing with a financial hardship and not able to make monthly payments. i called XXXX XXXX asking to lower may monthly payments the guy gave me no better options except just pay {$220.00} a month then get 6 month forbearance but it makes my overall loan amount way higher. i tried explaining that i cant pay the XXXX but he ignored ne and would n't listen all he kept saying was i could just pay that amount. i wanted to lower my payment or try deferment but sallie mae and XXXX XXXX dont give you that option!. i owe XXXX per month for sallie mae for 12 months then a bigger amount and they refuse to help me lower my payments. im unemployed and my family is in a financial crisis but they dont care. i owe sallie mae about 44.241.76 and XXXX XXXX  XXXX but i cant make payments at this time. and its not fair that only know college tuition is free!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation