BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-11
Company: McNeil & Meyers Asset Management Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I co-signed a XXXX XXXX contract with XXXX XXXX XXXX. There was a mis communication with the person I XXXX  out, they were to finish paying off the loan and they did not. XXXX XXXX I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He told me that XXXX XXXX XXXX XXXX will be serving me with papers by the end of the day and I was being sued for the amount of XXXX but I could pay XXXX to be released of all claims and liabilities. So I paid over the phone and they sent over a letter via XXXX stating I paid in full and I would be released of all liabilities. I also want to mention the bond number associated to the contract I signed with XXXX XXXX XXXX XXXX in XXXX is XXXX. On XX/XX/XXXX I receive a txt msg stating to contact law firm XXXX XXXX XXXX and if I fail to contact them I will be served at my place of employment without my consent. I did contact them they told me I was being sued by XXXX XXXX XXXX XXXX for a sum of XXXX $ or I could settle for XXXX but that is only if I set up payments by the end of the day. Also they told me they saw my payment of {$450.00} and they will put that towards my balance. Immediately I reached out to the finance department for XXXX XXXX XXXX XXXX, where I spoke with XXXX. XXXX told me I wasnt being sued by XXXX XXXX XXXX XXXX and my account went to collections agency Mc Neil & Myer. She also told me to ask the law firm what bond number was on my account on there  end. So I called back XXXX XXXX asked for the bond number they told me it was XXXX, which was different from the contract I signed originally with XXXX XXXX XXXX XXXX. Also they told me the payment I made of {$450.00} I am not the co-signer of that bond. I then asked to speak with the supervisor at XXXX XXXX his name was XXXX. I politely asked XXXX if possible could he send proof that I was the co-signer for the contract they had on file? This is when the supervisor proceeded to yell and tell me he is not sending me anything and he doesnt have to answer any of my questions for I am the one who needs help from him and I should be answering all of his questions. XXXX was being very rude and disrespectful and he repeatedly kept calling me a young lady so I decided to end the call. On XX/XX/XXXX I decided to call the original collections agency Mc Neil and Myer whom XXXX XXXX XXXX XXXX  passed my account to. I finally got in touch with someone from Mc Neil who stated they sold my account to XXXX XXXX and the balance I had was XXXX $ and the bond number was XXXX and not XXXX. After XX/XX/XXXX I was feeling very unsure on how to proceed with this situation, so I decided not to call back the law firm and they have been calling and harassing with txt msgs ever since.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
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: Information belongs to someone else

Complaint:
I was checking my credit today XX/XX/20 because I want to apply for an auto loan in the next few months but when I was looking through my credit report, I saw some accounts and inquiries that are not mine. The accounts are from companies that I have never opened any account with nor am I affiliated to those companies in any way. I did not allow anyone to open these accounts in my name and I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts because it's not fair that I'm being help responsible for accounts that I didn't even open.

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 2020-06-26
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:
Please assist me in getting these inaccurate items and reporting removed from my credit file. 

Incorrect Personal Information : Incorrect last name on XXXX   XXXX XXXX XXXX ( XXXX ) Incorrect Address : XXXX XXXX XXXX ( XXXX  and XXXX ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX and Experian XXXX Incorrect Address : XXXX XXXX XXXX ( XXXX and Experian ) Incorrect Address : XXXX XXXX XXXX XXXX ( XXXX )  Accounts Reporting either in error or as a result of identity theft : XXXX XXXX XXXX ) - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian ) ; Balance : {$500.00} XXXX  ( XXXX XXXX ) - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX ) ; Balance : XXXX Please remove unauthorized Inquiries : XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX ( 3 TIMES ) XXXX ( 3 TIMES ) XXXX XXXX ( 6 TIMES ) XXXX ( 9 TIMES )

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 2020-06-26
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: Information belongs to someone else

Complaint:
Please assist me in getting these inaccurate items and reporting removed from my credit file. 

Incorrect Personal Information : Incorrect last name on XXXX   XXXX XXXX XXXX ( Equifax ) Incorrect Address : XXXX XXXX XXXX ( XXXX and Equifax ) Incorrect Address : XXXX XXXX XXXX XXXX ( XXXX and XXXX ) Incorrect Address : XXXX XXXX Ct ( XXXX and XXXX ) Incorrect Address : XXXX XXXX XXXX XXXX ( Equifax ) Accounts Reporting either in error or as a result of identity theft : XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; Balance : {$500.00} XXXX  ( XXXX XXXX ) - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Equifax ) ; Balance : XXXX Please remove unauthorized Inquiries : XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) EQUIFAX XXXX ( 3 TIMES ) XXXX ( 3 TIMES ) XXXX XXXX  ( 6 TIMES ) XXXX ( 9 TIMES )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: Bread Financial Holdings, Inc.
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Saturday, XX/XX/2020 Received call at XXXX XXXX. From XXXX at Comenity Bank Saturday XX/XX/2020 Received call at XXXX XXXX  Told both callers the time I was in and they appeared to not care. Told them I would report if they did not stop calling at the early time.

These charges are fraudulent. I had paid the bill while the bank conveniently lost the check. I called and informed I would have a new check issued and that a stop payment would be placed on the initial check. Then once the initial check had a stop payment and a new check was issued Comenity found the check. They then applied the amount on the account. The second check was received after the statement date closed ; thus implying a late  charge. The account in question is completely based on fees and late charges from those fees. They should be removed and reported correctly to the credit bureau as creditor error NOT my error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-26
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased a watch in XXXX of XXXX I financed using the interest-free finance plan advertised at the store. The issuing credit card company ( Comenity Bank ) set up my automatic payment with the understanding that I wanted to pay in the time frame allowed to take advantage of the interest free financing. For over a year, I paid the required amount on a monthly basis ( it was {$130.00} a month, due on the XXXX of the month ). My last payment was much smaller, the final balance was {$15.00}, which was also paid via automatic payment on XX/XX/XXXX. 

On XX/XX/XXXX, I received notice that the balance was paid. 

On XX/XX/XXXX, I signed into the account to make sure that it was closed. I found a balance of {$200.00}! 

I called Comenity Bank and they told me that the " window '' closed on XX/XX/XXXX and because I had a balance of {$15.00}, they were charging me {$200.00} in finance charges! 

They agreed that they set up the due dates and automatic payment and they acknowledge that the due date and automatic payment was set up 4 days after the " window '' - so that I would be hit with the late charges. 

Several customer service reps agreed on the phone that this was ludicrously unfair, but state that they could not help me. Eventually I found a manager that granted me a {$50.00} credit, because she also understood that this is grossly unfair. That is not an adequate solution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-16
Company: N26 Inc.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX in my account Ive bank with this company for three years last year they froze my card they only offer chat support they have been giving me misleading info in regards to my account Ive lost my daughter and my home I need my money its been over a year and I still havent received my money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Thaxton Investment Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with all 3 credit bureaus XXXX deleted both debts. As of XX/XX/18 XXXX  and XXXX replied stating accounts verified without sending any verified information within time frame outlined from the FCRA 611 ( a ) ( 5 ) ( A ) ( i ). FCRA 15 U.S.C.1681i. This would make my 3rd attempt. According to the law each company as 30 days to reply neither hadnt.. 

I C systems XXXX. XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV {$210.00}

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 2019-01-07
Company: CONTRACT CALLERS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was under the notion that if had paid my debt it would get removed off my credit report but never did. Never got back to me after 3 weeks. I had contacted Contract Callers because I had a collections with them from back in XX/XX/XXXX. I had paid the full amount of {$160.00} in XX/XX/XXXX. I was fully coerced and under the impression into believing that if I had paid the full amount this collections would get removed off my credit report because they had made me to believe my credit score would be negatively impacted which it has. Contract Callers is in violation of the Fair Debt Collection Practices Act ( FDCPA ) using deceptive practices to lie that if I paid my debt it would be removed and be improve my credit score. However, it was never removed and when I had called Contract Callers, the gentlemen on the phone said they would look into the phone call that was made and stated that Contract Callers does not remove collection items on the credit report. However, they will request to the credit bureau to remove the collections account based off the phone call so the representative on the phone said he'll call me within 24-48 hours. Its been 3 weeks and i have never gotten a phone call, letter, or email from Contract Callers even though all my information is fully updated in their system. I had to call back contract callers again during my work hours and was put on hold for another 30 minutes and realizing they were scamming me into paying my collections knowing full well they would not even improve my credit score by having it removed even though they said it would. I have tried to XXXX other complaints made against Contract Callers and there were literally 100 's of other different complaints against this company through other various agencies. This issue must be solved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: Early Warning Services, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I faxed ( EWS ) XXXX XXXX XXXX on XX/XX/XXXX. To show proof with any documents bearing my signature showing that I have a legally binding contractual obligation to the banks listed on my consumer report on ( EWS ), and ask if they can not show proof what I am asking for please have it removed. And they replied back on XX/XX/XXXX saying all info was verified but actually didn't show any proof of what I requested. here is a sample of the letter I sent ... " This letter is in response to your recent claim that N/A has N/A verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by N/A. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at N/A regarding this alleged account. I am formally requesting a copy of any documents provided by N/A, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : I also Had a replied back from them In XXXX from my very first dispute in XX/XX/XXXX. Stating " Early Warning does not have access to account documentation and therefore unable to provide copies of any account documents. '' So if they couldn't provide what I was requesting those said accounts should be deleted instead of asking me to contact the said banks to get them. It's not my job to do so, that's why I was disputing to have ( EWS ) to show proof those supposed accounts were mines because they are not that's why they should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
XXXX XXXX College back in XX/XX/XXXX-XX/XX/XXXX. Formerly known as XXXX XXXX school. Very abrasive means to get student loan. I was not given any information regarding the interest rate or the difference between private loans/federal loans. They offered very little availability to get federal loans and had forceful ways to making myself sign for private instead. I was very young and did not understand the difference at the time. I am still struggling to pay back these loans. Navient has not allowed any kind of forbearance on these loans. Navient offered two predatory private school loans with a high APR rates and have not sent me the promissory note after several attempts so I could review it with them. I have tried to get short term forbearance for private and federal ( now federal is in forbearance due to me completing a borrower defense to repayment ) and have been unable, I have had trouble having my loans lowered or any APR rate for private lowered in order to try and pay off the loan quicker. I also have been denied the ability to release my co-signer even after missing no payments and paying off a huge amount of the loan. I need restitution from both XXXX and Navient. This has gone on too long. How is anyone supposed to get ahead in life while they are tied down to these loans. I haven't even finished my XXXX degree and originally owed almost 90,000 dollars! for a XXXX   that is not complete. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After seeing recent media on hacks on the American public information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report. 

These companies are reporting fraudulent information that is not mine. 

11 XXXX XXXX account number XXXX, 11 XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX account number XXXX, Below are a list of companies who have made inquires on my account that I have had no knowledge of or have I authorized these charges. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX Below are addresses I have never lived or associated myself with ever. Please remove these inaccurate addresses. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, 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 2019-01-07
Company: EQUIFAX, 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:
I'm noticing that my personal information and line of credit that is open has been open back before when I started establishing credit myself because back then I had someone else in control of my credit so I need to dispute and erase that off of my credit report because I did open any kind of line of credit on my credit report since I have been legally authorized to do it on my own. I had my first line of credit opened on XX/XX/XXXX my first credit report according to my credit wise account is saying that my first single my credit report inquiry that must done by me was on XX/XX/XXXX and my first line of credit got opened on XX/XX/XXXX by me and anything farther back from XX/XX/XXXX is not accurate information done by me on my credit report and I need to disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: WELLS FARGO & COMPANY
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The debit thats reporting on my credit report I noticed I called and I was told I can pay the debt by the company set up payments. Days later I was told due to state laws and regulations a payment cant be accepted after I was told I can pay debt. Also I was told by the company they was working to get this account removed and so on and its been two years still hasnt been closed out.

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