BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was made aware of a collection account reported on my Experian credit report by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ; Account XXXX. I have written several letters, as well as submitted supporting documentation to prove that this account is a result of identity theft and fraud. Experian has refused to remove or " block '' the reporting information from my credit report. Experian removed the account for approximately 10 days in XXXX however, they reinserted the item in XXXX. I contacted the collection agency as well as the Experian requesting validation of date that includes a contract verifying my personal information as well as a signature showing that I approved or authorized the account/charges and never received any correspondence that could verify this is an accurate debt. Experian has stated that they have " verified '' the account as valid several times although I have disputed this accounts as a result of fraud. I am a victim of identity theft and as a result, someone used my information a created this account or bill without my permission or authorization. The collection agency has refused to remove and seize reporting this account to Experian further Experian has refused to block or remove the account from my Experian report. which has caused turmoil in my financial situation. I am currently under contract to purchase a home and this account is negatively affecting my ability to get a mortgage loan as well as 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 2020-04-30
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They trying to collect a debt from XXXX XXXX that I never had.

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 2020-04-30
Company: Experian Information Solutions 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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$360.00} COLLECTIONS XXXX {$150.00}

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 2020-04-29
Company: Nelnet, Inc.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Nothing has been done. My loans show I owe more money. I have paid all my loans up, through payroll garnishments, taxes being withheld, and even been in the rehabilitation program. I have had several servicing companies to handle my loans and they are not reporting accurate information. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, US DEPARTMENT OF EDUCATION, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, AND NOW NELNET. THIS HAS TO BE SOME ACTION AGAINST THIS TYPE OF COLLECTION BEHAVIOR. I NEED SERIOUS HELP. THIS HAS GIVEN ME XXXX, ALL OF THESE COMPANIES HAVE COLLECTED AT SOME POINT. I HAVE ADDED UP ABOUT XXXX OR CLOSE TO IT. That is double even triple my loans borrowed. I have provide some information and I hope it dont confuse to the point I am, I also have copies of my check stubs. I am missing end of XXXX and XXXX but just wanted a reference. My contact number is XXXX email XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/19 I made a payment of {$800.00}. This was above the contractual payment amount but did not bring the loan current. The mortgage company was already holding XXXX which left roughly XXXX to bring the loan to a current status. On XX/XX/19 I was notified by XXXX that the payment had been cancelled by the recipient. I called the mortgage company about sending the payment back and was advised to send {$1800.00}. I told them it would be wired XX/XX/19. On XX/XX/19 I called to verify receipt and was told the loan was active in foreclosure, that it had been placed in foreclosure XX/XX/19. 
I asked why they didnt apply my contractual payment, per CFPB guidlines under RESPA and was told they didnt have to. They have since sent back the {$1800.00} and are still holding the XXXX, but are now charging me over {$7500.00} to avoid the foreclosure when my balance is XXXX with the XXXX payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has been calling my home to collect a debt owed by my XXXX year old daughter. They are now calling my cell phone number which I use for my business. This has been going on for almost a year. I have told them numerous times my daughter has not lived with us for years, to stop calling us and they continue to harass us. I block their number every time they call but they call from several different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I sent this company a debt validation certified letter by USPS with a tracking number of XXXX. 

On XX/XX/XXXX the company responded and said they would cease collection efforts until they are able to validate this debt because they could not do so at that time. 

It has been over 30 days and I have yet to hear from this company to validate the debt they say I owe so I sent a follow up letter, still no response. 

On XX/XX/XXXX well over the required 30 days I opened a complaint with the XXXX  and on XX/XX/XXXX the company responded with the same generic response that they cant validate and would cease collection efforts until they can. 

I put a dispute in with the credit reporting agencies and this company continues to verify the account reporting is accurate and continues to update a balance. They have not stopped collection efforts by doing this. 

Here we are on XX/XX/XXXX and this company still on my credit reports without properly validating this debt is mine and I exhausted my options with them. In the state of Texas if a company can not validate within 30 days they must remove this. Ive asked them to immediately delete this account off all my report is as they are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
These following accounts are not mine but when I disputed them transunion did not do a proper investigation and notify me in the time allotted. But they deleted the investigation from the online portion of their website so I could not access it very deceptive. 

DPT ED/XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX DPT EDXXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX DPT ED/XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX US DEPT ED XXXX {$0.00} - - Installment Negative XX/XX/XXXX US DEPT ED XXXX {$0.00} - - Installment Negative XX/XX/XXXX XX/XX/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 2020-04-30
Company: ALLY FINANCIAL INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Re : Complaint of Breach of Contract XXXX XXXX v. Ally Auto Dear CFPB Please allow this letter to serve as complaint of breach of contract and continued discrimination by Ally Auto. In XX/XX/XXXX XXXX XXXX and Ally Auto entered into a contract for payment. 

The contract is the result of a conflict that emerged in XX/XX/XXXX where Ally Auto admits they misspoke concerning an alleged amount owed by XXXX XXXX on a XXXX XXXX XXXX automobile. 

Ally Auto partially corrected the billing history problem but failed to fully correct the issue and take responsibility for the financial damages it caused during months of disputes, confusion and the early reporting of negative information to XXXX XXXX credit file which they eventually removed. 


In attempts to avoid litigation in XX/XX/XXXX Mr. XXXX and Ally Auto Senior Manager XXXX agreed to a financial contract. 

The contract stipulates Mr. XXXX 's Ally Auto account will be brought current provided a payment was made at the time of agreement. 

The initial requested payment was made as agreed. 

The contract agreement also stipulates delinquent payment history for the month of XXXX and XXXX will be removed as owed amounts would be placed on the back end of the loan provided Mr. XXXX is not delinquent going forward. 

Phone transcripts records will reflect Ally Auto representative XXXX repeatedly confirmed the derogatory payment information would be removed from credit bureaus as part of the agreement. 

Ally Auto removed the derogatory payment history from Mr. XXXX 's credit files. 
Ally Auto without explanation replaced the derogatory information causing damages again to Mr. XXXX 's credit rating. 


Please note Mr. XXXX is current with no late payment since the execution of the contract with Ally Auto in XX/XX/XXXX. 


In an attempt to resolve this matter Mr. XXXX disputed the information with the credit bureaus and Ally Auto did not agree to remove it. This is a discriminatory breach of contract and predatory as Ally Auto purposely is damaging Mr. XXXX 's credit in hopes of preventing refinance options elsewhere. 


On XX/XX/XXXX Mr. XXXX spoke with an Ally Auto representative going by the name XXXX who stated Mr. XXXX was not eligible for a copy of the contract although the Sen. Manager XXXX never mailed Mr. XXXX a copy of the original contract as agreed. Mr. XXXX has kept accurate well documented transcripts of all calls and conversations for transparency and integrity. 


The Confirmation number of the contract in question is 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 2020-04-30
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: Their investigation did not fix an error on your report

Complaint:
To whom it may concern, I appreciate your time into looking into this matter. 

This collection is not supposed to be reporting on my credit report. 

XXXX XXXX has not provided proper debt validation. 

The statue of limitations has passed. 

I do not have a contract with XXXX XXXX. 

They have no right to collect this debt. 

I believe that they are making a mistake since my name is very common. 

XXXX XXXX has no rights to collect in my state.

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 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I can not get my credit report because the security questions they ask to log in i dont knoq the answers because I didn't take out the loans its asking about to confirm identity. One of the user names isn't even my name at all

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 2020-02-08
Company: JNR Adjustment Company, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I already disputed the debt in writing and the debt collector sold or moved the debt collection to another company and now they are requiring another written dispute to them within 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Cascade Capital, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cascade Capital collections ( XXXX ) calling me at XXXX for " XXXX XXXX ''. My number is business number held by me for XXXX yrs I have never known a " XXXX XXXX '' or any name close to. I have been harassed for XXXX years by one collection agency after another. FTC and CFPB complaints filed ( XXXX ) against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2019. Each time I was assured no further calls would be received. ( In writing by the lawyer for XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2019 ) None the less these XXXX, XXXX XXXX collection agencies sell or transfer the collection account to new agencies who start calling me again. It would be nice if the Federal employees charged enforcing these laws would actually do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: Client Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Client Services INC fax notice on XX/XX/2019 wrong person associated with my phone number requested future contact to only be in writting recievec phone calls on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The company has noted stopped trying to contact me on my cell phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: BARCLAYS BANK DELAWARE
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:
I have tried numerous times to get this fraudulent inquiry off my XXXX  report and this company Barcklays bank has been unresponsive

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 2019-09-03
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collections account from DIVERSIFIED CONSULTNTS {$1300.00} 1yr 2 months current age Collections account from XXXX XXXX XXXX {$610.00} 5 months current age With a total of {$1900.00} in debt that is not mine I have no knowledge of these accounts at all

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/2019 I experienced hardship due to the XXXX shut down that had taken place. I called into XXXX XXXX and spoke with a Representative who advised he was not able to assist me. When logging in to make my monthly payment the option for a payment arrangement was offered. At NO point did it mention by signing up with this payment plan I would be reported late to the credit bureaus. I received Multiple 30 day lateness on my credit report. For the month of 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 2020-04-30
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE. I HAVE NO IDEA HOW THE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. I HAVE NO DOUBT THAT MY IDENTITY HAVE BEEN TAMPERED WITH BY SOMEONE UNKNOWN TO ME. I AM VERY CAREFUL WITH MY PERSONAL INFORMATION. THIS SITUATION IS VERY STRESSFUL SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: Aqua Finance, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We bought a water softener in XXXX of 2015. The loan was for {$6400.00} for 6 years. We made minimum payments. 

The first year we paid $ XXXX/month with a 5.9 % interest rate. The following years until the present day we have paid $ XXXX/month with a 13.99 % interest rate. 

Year-to-date, we have paid {$4100.00} and only {$1400.00} of that has gone to the principal amount. {$2600.00} has gone to interest. 

There was one month where only {$1.00} went to the principal. The paperwork does not say what the amount would be just paying the minimum for 6 years. 

We have a balance of {$5100.00}. These types of water softeners go for about {$1500.00} at XXXX XXXX. The terms of our contract are unfair and contain predatory lending on behalf of Aqua Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: CITIBANK, N.A.
State: CA
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:
Citi Bank, per my citi MasterCard has liquidated my account, and online services and ability to pay by phone 24/7 ( through an automated system ) has be discontinued. NOTE the account was closed in XXXX during the financial crisis because the credit card wanted to increase my interest for no valid reason or gave me the option to close to prevent the increase. But now Citi has liquidated this account, when it is almost paid-off and payment options are so poor, it sets one up to miss making a payment. 
The service phone number on my statement takes me to agents who can not find my account or help me. I work during the day and the only time the phone line is available for service is during business hours and I struggle to call during breaks at work and this is not how customer service should occur.

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 2019-09-03
Company: EQUIFAX, 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:
n XX/XX/2019, the President shut down the federal government for a month and a half. Because of this I couldn't maintain my mortgage because we didn't get paid 2 checks. XXXX put me on a Forbearance plan until XX/XX/2019. Those missed months will be worked into a Home Modification plan in XX/XX/2019. When XXXX came, XXXX XXXX  took over from XXXX with my account and start the process for Loss Mitigation plan. I was to maintain my $ XXXX monthly payment and try to catch up the {$8000.00} balance from the miss months. I was told that because I'm in this process of sending documents to their underwriters and maintaining my monthly payments. They wouldn't report any 30 day late payments. Well I didn't miss any payments and I just finally paid the entire balance in XX/XX/2019. They are still working on my Loss Mitigation/Home Modification package. Last week, XXXX account report a 30 days late from XXXX XXXX  on my XXXX  and XXXX and dropped my score 64 points. This should be removed based on the information I stated and was told. I'm including documentation.

Company response to consumer: Closed with explanation