BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-10
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:
I got a copy of my credit report today XX/XX/21 because I am planning on hopefully buying a home later this year however, I noticed that there are a few credit inquiries on my report that are not mine. The inquiries are from different companies all of which I have never applied to ; I did not authorize these companies to run or access my credit file nor am I affiliated to them in any way. I don't know who is responsible for these credit inquiries but I have taken it upon myself to file a police report as well as complaint with the Consumer Financial Protection Bureau in hopes of getting unauthorized credit inquiries 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 explanation
Consumer complaint received 2021-04-15
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING is claiming that I owe them {$100.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Received a Federal loan, Sallie Mae serviced in XXXX, for a XXXX Degree Program in XXXX XXXX XXXX. I am proud that I have finished my program and started paying my loans back, mostly through Sallie Mae. I Applied for loan during my education and have made every payment, every month, no late payments for 13 + years. I worked with a non- profit company XXXX XXXX and medical group in New Mexico for 10+ years duration. I called to apply for loan forgiveness, Servicing Company is Navient, the ( debunked Sallie Mae ). I get the run around, they want me to refinance my federally insured loan and state that I am not eligible for loan forgiveness? Thousands of us have gone to school, taking out federally loans and have paid and complied with requirements for loan forgiveness. We serve our communities and people. Shouldn't we get our deserved loan repayment? XXXX, XXXX providers are each day being held hostage to these loan servers. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Everytime I call I'm automatically directed to Fraud Department or Fraud Prevention. I have a prepaid card that was ordered on XXXX I never got the card I called to have a second card expedited it never came and a tracking number is not provided now these people want to order a new card and says now I need to send photo ID no one ever gave me instructions on how to send

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: CIG FINANCIAL LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I finance a truck for XXXX after taxes and fees it rounded of to XXXX that's understandable after 4 years of paying them I asked why I still owe XXXX if the truck should of ben paid of I asked them for transactions in the past and finally after 3 years of asking them they emailed it out I saw that I have XXXX I have paid and they are misleading rude fraudulent business. 
I ben getting ripped off and harassed by this lender and just found out today there not even a bank like they told me in the beginning they have mislead us and every time theres a problem they just pass us on to a different representative like this is there tactics to miss lead and have us confused its a leasing department with nothing but complaint and bad reviews by there consumers look them up on XXXX heres there link https : XXXXXXXX XXXXXXXX nothing but the same story of us consumers being ripped off I cant believe that this is allowed I will like them to be investigated for fraud and misleading contracts

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: EQUIFAX, INC.
State: MN
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:
Called Equifax on XX/XX/XXXX. I noticed three Fraudulent Inquiries on my Credit Report. 
They refused to help me at all. 

1. XXXX XXXX on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXXXXXX 3. XXXX XXXX on XX/XX/XXXX Please have these three inquiries removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
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:
I tried to work this out with XXXX XXXX XXXX XXXX and they are unwilling to even respond. I am the victim of identity theft. Per the FCRA they are required to validate the debt they have said I owed and have not done so. I disputed through the credit bureaus already and they credit bureaus have come back saying XXXX has verified the debt. Verified and validate are two different things. Verify could mean they answered the correspondence the bureaus sent them and said the debt belongs to XXXX XXXX. Validate means to bring facts to the table ( my signature on a contract thats actually my signature would suffice ). XXXX then sold my debt to XXXX XXXX and after telling XXXX they are chasing a fraudulent debt they have decided to take their name off of it which was a smart move. XXXX has not provided me any validation nor did they send me any proof of an investigation. By law they are required and for that they are officially on notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: EQUIFAX, INC.
State: LA
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14
Company: ENCORE CAPITAL GROUP INC.
State: PA
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:
Midland Funding aka MCM Midland Credit Management keeps calling me from spoof telephone numbers, from spoof telephone numbers on their mailings, and the Supervisor who acknowledges speaking to me several times changes her name from XXXX XXXX then XXXX XXXX 10 days later. At each phone call I asked them to turn the recorder off, which they said they did. In XX/XX/XXXX they told me I owed {$2100.00}, on XX/XX/XXXX {$1300.00}, and on XX/XX/XXXX said {$1900.00}. This debt was from XXXX XXXX from XX/XX/XXXX. This was from a root canal and capping of a tooth that had  to be done emergently before I had XXXX. My credit score was low because my ex left the marriage while having an affair, took his new car out of state, and stopled making the payments. I was making regular monthly payments on the XXXX account of {$100.00} {$200.00}, until I became ill and had to have a 15 hour XXXX XXXX, another 15 hour XXXX XXXX, and is 6 hour XXXX XXXX. By the time I had myself together and was home, XXXX brought all the interest 22.29 % forward. I explained my circumstances to XXXX and to Midland, but they just would n't do anything. I offered to pay {$30.00} a month to XXXX and to Midland and they refused. I told them I am I am on Social Security XXXX, and XXXX XXXX aka XXXX XXXX started getting loud with me telling me she 's going to ruin my credit. I offered to pay {$35.00} a month, which is all I can afford. She did not want that amount. She said that she will continue to to ruin my credit. I said to her, " do not call me anymore unless you want to accept my offer of $ XXXX month, on XX/XX/XXXX. She continues to call me. All of the callers sound like they are from XXXX and are difficult to understand. She asked me for a check for {$900.00} to pay it off in one time. I told her if I had it, that I would not have this problem. They are just unreasonable and want to harass people and will not work with you. They would rather ruin your credit and harass you than take a monthly payment. They call from spoof numbers to get you to answer. They send different telephone numbers and conflicting information in the mail. It is to plain harassment. I have copies of their mailings and documentation of their phone calls. I'am happy to submit them to you, if you tell me where.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02
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've been pretty consistent with paying my bills on time. I'm saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didn't understand until I checked my credit report. I see two XXXX accounts that are not mine. These items need to be deleted from my credit report.

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 2019-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items are not mine and need to be deleted from my credit report. I have reached out to the FTC and to my local police department. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and there is an account that don't have a name but the acct number is XXXX. I am doing this on my own.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Colony Brands, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX / XXXX XXXX XXXX Swiss Colony / XXXX XXXX XXXX XXXX XXXX, WIXXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, XXXX and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had no responded. Apparently then the agencies contacted the company and the company told them the debt is valid but it is not. They are in violation of the law. XXXX removed the listing from my credit report. However it is still showing up on XXXX as XXXX XXXX and on XXXXXXXX as XXXX. I want this removed off my credit report on all three agencies immediately and also a letter from XXXX XXXX saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this. It was listed as home visions on XXXX XXXX report and XXXX XXXX  on XXXX report, same address, but i have filed a separate complaint for XXXX XXXX and XXXX and Swiss Colony but it now shows up as Swiss Colon / XXXX as well as XXXX  They keep changing the name.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-13
Company: GVA Holdings, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
This loan is over 15 years old and they have never contacted me and I honestly forgot about it and today a collection co called me from XXXX XXXX XXXX and said a warrant was issued for my arrest and bond was XXXX dollars but could n't tell me loan any etc. Said I had 3 charges against me. Then said if I promise to xa them back w my bank info they 'd put warrant on hold when I now understand this can not be done. They need to take me to small claims court and I offered to start making payments and XXXX XXXX is who called n she stared o no we need the money in lump sum ir your warrant will be taken off hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: National Credit Adjusters, LLC
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:
Hi, This company National Credit Adjusters continues to report to all 3 credit bureaus that I owe them a debt in the amount of {$290.00} this information is not correct.. I have sent several certified letters to this company asking that they remove this collection from all 3 of my credit reports immediately. They continue to refuse to do so. They sent me a letter stating that they verified these debts as being accurate and that I know is not correct. I have asked National Credit Adjusters to send me validation of these debts bearing my signature and they have not provided that. instead they sent my a computer generated report of some charges that were allegedly made by me, this is not correct and I want these collections removed immediately. Please note As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have formally requested a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I have made several goodwill attempt to have you clear up this matter. The listed items is inaccurate and incomplete and represents a very serious error in your reporting. The reported errors are with National Credit Adjusters in the amount of {$290.00} and opened on XX/XX/19. I am the victim of Identity Theft, that reference and report ID number is XXXX and my police report case number is filed with XXXX XXXX that case # is XXXX I am asking again to have all 3 of these charged deleted from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Experian Information Solutions Inc.
State: MA
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:
Hi, My name is XXXX XXXX, and I would like help in my Experian report getting fixed. There is a XXXX  XXXX XXXX account on my credit file, in which the credit reporting company has no shown any document with my signature on it. By Federal Law, this account has to be removed. I have no contractual obligations with XXXX  XXXX XXXX. Experian has still yet to acknowledge that my report is incorrect and that this account ending in XXXX has not been validated and verify by any physical contract. It must be removed from my credit file.

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 2017-07-10
Company: Med-1 Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
About 4 months ago this company REV 1 Solutions appeared on my credit report I advised rep I do not have a debt neither a contract with this collection agency I requested the collection agent to produce a contract signed for this debt so I can verify as well as requesting this debt be verified and not validated by them as well as requesting a copy of their license to practice in Florida never received anything debt was removed off credit report go to check my report this morning after an alert and this same debt agency is back on there. Please have them send a contract I signed with them for this debt from the creditor as well as them that they are claiming I owe along with a copy of there license to practice in state of Florida I have NO Contract with REV 1 Solutions so please quit trying to collect for a debt I do n't owe as well please cease any credit reporting unless they produce proof of a contract and license to practice

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have a car loan through XXXX XXXX XXXX XXXX. I was given instructions to pay my loan from through Western Union using, " Name : XXXX XXXX XXXX XXXX City Code : XXXX XXXX XXXX : TX. '' On XX/XX/XXXX I made a payment of {$1200.00} plus a fee of {$59.00} through Western Union 's website. There was no place for me to enter a state or city code, but there was one " XXXX XXXX XXXX XXXX  '' listed. When I called XXXX over the next few days they said they did not receive my payment. I checked my conformation email and saw that it was sent to XXXX XXXX XXXX XXXX in XXXX CA. When I called on XX/XX/XXXX, they told me that they would try to reroute the money to the correct XXXX. Every time I have called since they have told me that the XXXX in XXXX CA has not responded to the request to return the money. As of XX/XX/XXXX I have made six attempts through Western Union to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Mortgage Company Ocwen sent me a letter once I came out of bankruptcy about refinancing my outstanding loan of {$160000.00}. In doing this I agreed to make 3 trial payments of {$1500.00}. I agreed signed papers and made 2 payments, before I could make 3rd payment I was advised that my mortgage loan would no longer be serviced by Ocwen but by XXXX XXXX. XXXX XXXX sent me information showing second payment in suspense and with a balance of over {$250000.00} and payment due of {$2300.00}. I received this notice with less than 15 days to make that payment. Now if I make that payment am I agreeing to the additional {$10000.00} they have added to my account as well as the {$800.00} added to payment? This seems quite outrageous and illegal.

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 2019-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Kohl 's department store turned over a debt they claimed I owe as a charge off to credit bureaus. I have never received a bill and haven't used their card in years. 
I have called the company 4 times, wrote them and turned it over to the XXXX. 
I have not had a reply. I do not believe I owe them anything but without a bill can't even dispute. 
This has caused me to not be able to get solar panels which is how I became aware of the problem and have for months been trying to resolve this. 
I put a complaint on their website and saw they have done this over and over to others. 
I am a senior and have always paid my bills. To ruin my credit and not care is ashame. I will never shop there again and just want this cleared up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-03
Company: ZIONS BANCORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Got charge a fee for a debit that batch days later. I also requested that no transactions go threw if the money is not there. It seems the bank just after fee 's

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 monetary relief