BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-02
Company: Roosen, Varchetti & Olivier, PLLC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I took out a student loan with XXXX XXXX during my tenure in school from XX/XX/XXXX-XX/XX/XXXX, total amount close to around 15K.  After graduation I was struggling to make ends meet with no job and a new XXXX. I called XXXX XXXX several times and sent in paperwork indicating I was not working. I was placed on deferment, respectively. I began working in XX/XX/XXXX and called XXXX XXXX and was advised that I needed to stay in deferment vs income driven repayment plan since my income was so low. I was provided unclear information and was told I would be contacted via mail. From year to year I would call and update my information and finances and would continue to be told I made under a certain threshold and to stay in forbearance. Around XX/XX/XXXX ( my birthday ), I called and my loan was no longer with them and I was directed to XXXX. Same as XXXX XXXX I would call and ask to be set up on a plan and I would receive the same information. It was at the time that I wanted to begin a payment plan as I was working directly in public service and was informed that I could pay on student loans under public service loan forgiveness and be forgiven after a certain time period. I would be given the run around and was even told at one point that my loans had been paid in full. I would always ask for documentation and nothing has been sent to date, even today. 
Recently, my grandmother gave me a call and I was informed that the Sheriffs office came to her home looking for me. I did some research and found that XXXX XXXX XXXX, whom I knew nothing about is sueing me and XXXX XXXX is the contact for for unpaid student loans and this is the first that I have heard of me being delinquent at all. I have no knowledge of either company until 5 business day ago. My student was not handled properly and I do not understand why I was never contacted. 
I was planning to go back to school and now this is all shocking and disheartening. Even today when I call XXXX they say my student loans are paid in full. How could that be? Now I am afraid of what will happen to me and my family as this lawyer is saying that I owe {$20000.00} and I must pay now and there is nothing that I can do about it. Why didnt XXXX perform their due diligence to give me a call and place under a repayment plan. I do not feel that XXXX XXXX nor XXXX  performed their due diligence to ensure that I was treated fairly as I wanted to be on income driven repayment and then public service repayment plan and they continuously recommended forbearance based off my low income. 
Please be advised that I have a new address however providing my old address as the law firm is making threats and I believe this can be handled without them having my new address. My email address and telephone number are up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is publishing hard inquiries that I did not approve of on my report and not allowing me to dispute these or view my report online through the FDCPA.

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 2019-08-27
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 applied for a credit card from XXXX the other day and I was denied. I thought that was kinda strange so I checked my credit report. After carefully reviewing my credit report I noticed a couple of items on my report that are not mine. I am doing this on my own and I reached out to the FTC and to my local police department. These items need to be deleted from my credit report. XXXX XXXX. XXXX XXXX. XXXX, XXXX, Chapter XXXX Bankruptcy. Inquiries : XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was gifted a prepaid card for {$400.00} operated by Netspend. I went through the steps to activate it and was prompted to provide my social security #. Since this information is not necessary to use a prepaid card, I did not provide it. From that point, I could not activate it online, so I called their 800 number. This system requires the verification of a social security number. If, as was in my case, you can't verify it, the automated system hangs up on you. 
Eventually, I figured out how to reach a person through this automated system. They also tried to get me to verify personal information, which they never had in the first place. They transferred me back to the automated system that didn't work. Finally, I got someone who said they could activate it if I emailed them a copy of my social security card and official government ID, which I refused to do. Then they said they could activate it but only for in-store purchases with an added fee of at least {$1.00} per transaction. 

Essentially, Netspend seems to me to be a phishing operation. They should not be asking for personal information such as social security numbers or photo ID to use a prepaid card.

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 2018-04-09
Company: Experian Information Solutions 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:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
my credit report with Experian has dropped 10 points, from yesterday. Nothing has occurred in my accounts except paying them off. I filed a previous report and I think this is retaliation. My credit score is extremely important to me and for it to change without any differences from yesterday. My score yesterday was XXXX as of today it 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 2018-04-09
Company: WELLS FARGO & COMPANY
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: Problem with personal statement of dispute

Complaint:
On or about XX/XX/2018 I was reviewing my Wells Fargo credit card account to make an additional payment besides the one that is automatically withdrawn from my checking account and noticed that my limit had been changed from {$11000.00} to {$7000.00} without notification. I finally received the notification 7 days later in the mail. I telephoned them to inquire why this had happened. I was told that Wells Fargo reviews their customers credit worthiness periodically. What I did not know was that they were all over my credit report not just their account my whole entire credit history. I feel that this is not fair. Wells Fargo should only be looking at the way I pay my Wells Fargo accounts. I have never been late, I have paid off my line of credit and credit card several times however, at this time I can only pay the minimum payments due to financial hardship although I am never late. The main reason for my frustration is that their decision has a negative affect on my credit score. I believe that it is unfair to review my credit history from other lenders Wells Fargo should only be concerned about how I repay them. Additionally, I never had a problem with Wells Fargo correctly regarding my payments to the credit reporting agencies I have a problem with them reducing my limit based on my overall history.

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 2018-07-02
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:
My report shows a Derogatory credit from a company I never hired or authorized to perform services. I never signed or agreed to make payment. 

I never hired or authorized this medical doctor to do anything. Any services that may have been requested was done by another doctor or hospital. I never agreed to make payment or be responsible for payment. I also have XXXX XXXX XXXX with a 100 % coverage and no deductible even if I authorized the medical services ( which I did not ) I would have been covered by my health insurance provider.

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 2020-07-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have sent " Equifax '' several certified letters 120 and 90 days ago disputing the late payments they're reporting is inaccurate and needs to be corrected as I never been late on any of my accounts. Equifax never responded or corrected the problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Braviant Holdings, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
My initial contact with XXXX XXXX them was in XXXX when they called my brother, sister and mother and told them I have a debt and someone will be coming to their homes to find me. Then received over ten calls from someone who would not identify themselves but stated that a representative will be at my door to serve me with papers and I will need tow forms of ID to identify myself. I finally got through to a different representative who told me I owed a debt to Balance Credit and it was about to be submitted to court. I told them was unaware of this debt and to send me proof of the debt. I was told there wasn't enough time and it was being sent to court today. I was told if I did not submit a payment today i would owe triple the amount on court. I explained that I was unaware of the debt and did not feel comfortable paying it without proof or any explanation. I was then hung up on. I called again and was told if i paid XXXX today, I could set up payment arrangements and it would not go to court. I felt as if I had no choice but to pay because I would not be able to afford a lawyer and I had no way to prove the debt was not mine. I set up payments for XXXX a month. I had been okay paying them until XXXX when I could not make the payment and called to try to make alternate payment arrangements. 
XXXX I spoke to two representatives, who both threatened to have me arrested, threatened to take me to court for debt that I have previously stated is not mine. I was told that regardless if the debt was mine I am responsible for it and I will be arrested or taken to court. The first representative stated, " Be sure I have two forms of ID when they get to your door '' and then hung up on me. The second representative stated, " the debt would double or triple in court, have a nice day. '' and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
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 applied for a credit card from XXXX the other day and I was denied. I thought that was kinda strange so I checked my credit report. After carefully reviewing my credit report I noticed a couple of items on my report that are not mine. I am doing this on my own and I reached out to the FTC and to my local police department. These items need to be deleted from my credit report. XXXX XXXX. XXXX XXXX. XXXX, XXXX, Chapter XXXX Bankruptcy. Inquiries : 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 non-monetary relief
Consumer complaint received 2018-07-12
Company: HW Holding, Inc
State: CA
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:
Hunters Warfield is reporting a collection on my credit file that was removed over a year ago. I am in the middle of escrow, this collection being re-added to my credit has increased my interest rate significantly. This is unacceptable and unfair. I know nothing about this account and the credit bureaus have a police report with the original creditors name, thats why the account was removed over a year ago.

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 2018-07-02
Company: PNC Bank N.A.
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:
In SXX/XX/XXXX we had Hurricane Irma hit us. We called our mortgage company, PNC, and was told we could do a natural disaster forbearance for 6 months. I continued to pay my mortgage starting in XX/XX/XXXX ; only using 3 months of the forbearance. Once the 6 months was up my loan went into loss mitigation and I was started on a trail payment plan. I paid the increase payment for 3 months. My loan is now under modification and is the interest rate is increasing by 1.25 %, increasing my payments by {$200.00} a month, and my credit score is continuing to drop. I have missed three months but PNC have been reporting my credit as I have not been paying my mortgage since XX/XX/XXXX. I have called numerous times and nobody at PNC can help me. Apparently there is no department at PNC that I can speak to that reports to the credit bureau. Me and my husbands credit score has dropped over 130 points and every month they are reporting a missed payment and it keeps dropping.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
I received a letter stating a new debt collector was assigned this debt. the debt changed hands a couple of times, when i asked for proof of contract they often didn't respond and then I was notified by a new collection agency that they were collecting on this debt. when XXXX XXXX  XXXX sent me a letter i asked them to validate the debt in response they sent me billing statements. I challenged them and asked for proof of contract and chain of title. When I asked for this they in return said I was being sued. This company misrepresented themselves, they presented as the debt collector and then they were also the attorneys for the company ( XXXX ). I am familiar that this company has had similar violations in the past and they cant be the debt collector and turn around and be the attorney too. I am also consulting with credit attorneys but i wanted to file a complaint as they are suing me and have violated the FDCPA.

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 2018-07-12
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've let this agency know that the balance was for a hospital stay from my ex-wife years ago. I've also asked them not to contact me by any other means than my PO Box address given to them. They continue to call my phone and, more recently, have called my workplace looking for me -- contact information which was NOT given to them and a phone line that they are not authorized to use. Yesterday, XXXX-18, they left a message on a company telephone number that's used exclusively for customer service which means that they made a guess at where I work and searched online for an alternate way to contact me over a debt that I did not generate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Back in XX/XX/XXXX I open a credit card with XXXX XXXX XXXX  with a {$500.00} credit limit. It was charged off in XX/XX/XXXX. I filed for bankruptcy in XX/XX/XXXX and I got the card to help build my credit back up. I ended up being out of work for little while and got behind. I moved in XXXX and got married in XX/XX/XXXX. In XXXX of XXXX, my son was in a very life threatening accident and was in the hospital for a while. In XX/XX/XXXX Midland Credit had me served at my old address for a judgement. My sister or someone claiming to be my sister happened to be close to the house and took the paperwork. When I was notified I went to the courthouse and signed the paper to request a hearing. Well my son was still in the hospital and I forgot about the court. So they filed against me. Midland, per their attorney XXXX XXXX  XXXX also filed for a FiFa to be placed on my property in XX/XX/XXXX, because they knew that I came off my bankruptcy in XX/XX/XXXX. So in XX/XX/XXXX Midland credit begin to report the debt on my credit as their debt. They are now saying that I owe {$1000.00}. My complaint is for the amount of time that the debt was placed in their office XX/XX/XXXX. They were pulling my information because they knew of the public records about the bankruptcy so they could see my new address and contact information. Also I have 2 open credit card accounts with XXXX XXXX right now. They use the the XXXX XXXX XXXX law office to collect their money and will not deal with the debtor. The XXXX XXXX  XXXX law office have random people calling and working on the case. And they are very unprofessional and will not return calls or answer emails. They even had an attorney from different area to step in on their behalf. My case number is Midland Funding is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: ACIMA CREDIT, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Acima is refusing to follow consumer laws as reported in my last complaints. They are saying the laws don't comply to them because they are not creditors or give out any credit but their company name has the word credit in it. It's on the emails and web page " Acima Credit '' which is misleading if they say that they are not a credit company. Can someone please explain this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
address not mine That reason can't be processed online. 
This Address was reported to Experian by XXXX XXXX and 1 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Never lived there That reason can't be processed online. 
This Address was reported to Experian by XXXX XXXX and 13 other companies. Please contact the company to verify that they have your correct address. Once the new information is reported to Experian, you will be able to submit your dispute online. For further questions, you may contact us at XXXX. 
XXXX Address ID Number XXXX Report Number

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 2019-08-27
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX and XXXX are reporting incorrectly late for XX/XX/XXXX on the XXXXXX/XX/XXXX XXXX account number XXXX. ( Please see page 2 attached from my credit report. ) The vehicle is paid off and the XX/XX/XXXX late that is being reported is false. I was even told I would be charged a late fee. Please keep in mind it would be impossible to be late and/or be charged a late fee on an account that is paid off. I called and the representative that I spoke with admitted that this was their mistake and that the late fee would be waived and the late reporting on my credit report for XX/XX/XXXX would be removed. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to remove this late of XX/XX/XXXX however, I have been unsuccessful.

Company response to consumer: Closed with explanation