BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-05
Company: De Lage Landen Finance, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This will follow my previous CFPB Complaint No. XXXX regarding XXXX XXXX XXXX XXXX XXXX and my XXXX XXXX Lease Agreement No. XXXX. In that complaint I disputed XXXX predatory 60-Day lease renewal practices which cost me an additional {$10000.00} in leasing payments after the expiration of my 24 month agreement. XXXX finally after 6 years offered me a buyout for my XXXX XXXX in the amount of {$54.00} which I remitted and it cleared XXXX bank account on XX/XX/XXXX. 

I have attached a copy of the negotiated check for {$54.00} payment. Per XXXX Quote No. XXXX, the payment was not due until XX/XX/XXXX. XXXX responded to the first CFPB complaint on XX/XX/XXXX, several days after they had received my buyout payment and falsely stated they had not received the payment. XXXX generated another invoice for the month of XX/XX/XXXX for {$230.00}. It is obvious that XXXX misrepresented the payment and accounting history of my account on purpose just to generate additional billing or to attempt to renew my lease term for another 60 days to benefit their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent all 3 credit bureaus, the proper paper work on the this bankruptcy, I have asked them to give me something in writing stating how they got this information, all I want them to due is verify how they got this information in order to put it on my report. I have typed proof, that the United States Bankruptcy court didn't report this to any of them, also I have a typed report from XXXX also stating that they don't report. and also XXXX XXXX stating that they didn't report. So please explain to me in writing how you all got this information, to put on my 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 2021-03-01
Company: Absolute Resolutions Corp.
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/2020 XXXX Absolute Resolutions Investments , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : XXXX XXXX Account : XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Balance Information To : XXXX Absolute Resolutions Investments , LLC This letter dated XXXX day XX/XX/2020 is advising XXXX & Absolute Resolutions Investments , LLC, I am seeking balance information of an Account XXXX & Absolute Resolutions Investments , LLC is showing on file. Please be advised that per my records Account # XXXX & Absolute Resolutions Investments , LLC A # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX should have a balance of {$0.00}. Pursuant to the Federal Fair Debt Collection Practices Act, you are hereby notified by XXXX XXXX to provide that information and make correction to your files. You are advised to send proof by us mail within 7 business days update with correct information with the above-referenced by XXXX & Absolute Resolutions Investments , LLC and updated credit reporting account paid in full. 

In the event that you fail to honor my request could subject your company to liability under Federal law. 

Please be advised on XXXX day of XX/XX/2020 has been given written corresponds to make correct changes per above Thank you for your attention regarding this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
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: Was not notified of investigation status or results

Complaint:
I AM XXXX XXXX AND I'M SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT IS NOT TO VALIDATE THESE ACCOUNTS, IT IS REQUEST THE METHOD USED TO VALIDATE THESE ACCOUNT, WHICH IS MY RIGHT PURSUANT TO 15 USC 1681i ( 7 ). I UNDERSTAND THESE ACCOUNTS INCLUDE STUDENT LOANS, PURSUANT TO 15 USC 1681B ( A ) ( 2 ), I DID PROVIDE YOU PRIOR CONSENT NOR IS THERE ANY PERMISSIBLE PURPOSE TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT. THIS IS A VIOLATION OF MY CONSUMER RIGHTS LEAVING YOU LIABLE CIVILLY/CRIMINALLY PURSUANT TO 15 USC 1611 AND 15 USC 1640. I ALSO UNDERSTAND THAT THERE ARE ACCOUNTS SHARED FROM MEDICAL PROVIDERS. PURSUANT TO 15 USC 1681A ( 3 ) ( A ) ( B ) ( C ), THE SHARING OF MEDICAL INFORMATION AND PAYMENT TRANSACTIONS FOR MEDICAL SERVICES ARE A VIOLATION OF MY CONSUMER RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AMEX pulled my credit without my authorization and I have written a lot of letters to them to delete this inquiry as I did not authorize this since last year. They did nothing about it and ignored my many certified mails. 

their phone number is XXXX Address is XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I paid my mortgage and I had over drawn my account but was advised that I had until XX/XX/2018 to bring the account current. And I had 30 days and I have been in communication with them about the money that was paid I owed XXXX I paid money on the balance. I closed my son account due to them going into his account and taking the money out. I need someone to look into this company navy federal credit union to get my money back into my son account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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: Their investigation did not fix an error on your report

Complaint:
TransUnion Credit Bureau reported from a debt buyer ( XXXX XXXX ) that I opened an account in XXXX of XXXX. I did not. The remarks from XXXX  XXXX said " Affected by Natural Disaster '' I never said any of the sort to this company. This item was deleted from the TransUnion report XX/XX/XXXX which I have proof of. Furthermore, the stay at home orders did not happen until XX/XX/XXXX not 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 2023-01-22
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Deposit was made to account on multiple occasions early and I used atm card to make purchases. At the end of the day they posted transaction first and then deposit causing over draft fees. Direct deposit were always initialy posted on each occasion then I charged transactions

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 2018-10-09
Company: Diaz & Associates, Inc.
State: LA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018, XXXX from Diaz and associates contacted my job, work, mother, and fianc. I allowed my fianc to contact organization on my behalf due to them being closed when I get off work. She proceded to tell my fianc that it was not illegal to contact my work after I specifically stated that my job does not allow personal phone calls. In addition to this, she left voicemails that gave my personal reference and file numbers that could lead to my job gathering information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Phoenix Financial Services LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS IS NOT MY BILL, IVE EXPLAINED THIS SEVERAL TIMES AND IM STILL FIGHTING WITH THIS, IVE HAD HEALTH INSURANCE FOR OVER 10 YEARS STRAIGHT, THIS IS N'T MY BILL, THIS DEBT HAS BE TRANSFERRED TO NUMEROUS COLLECTION AGENCY OF THE YEARS {$1100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been communicating with XXXX since XX/XX/XXXX to opt out of IBR and change my payment plan to a lower payment plan. I speak with someone at least once each month since XXXX, XXXX and EVERY SINGLE MONTH I'm told that the following month everything will be corrected. I was told twice that I needed to do make opt-out payment, which was done in XXXX, XXXX, and then the correct payment of approximately {$1500.00} will start in the XXXX, XXXX. I was told that the bill is generated approximately 10 days before my bill is due, which is the XXXX or every month. I logged into my account today to confirm the payment and I see that the correct income payment amount of approximately {$1500.00} is not reflected, but instead a regular payment of over {$2500.00} is showing. I CAN NOT pay this amount! I have been diligent in trying to get this resolved, and every single month I get another excuse of why it has not been corrected. This is reflected on my credit report, as well. I need this to be corrected immediately so that the correct lower amount of approximately {$1500.00} is reflected. 

Please note that on XXXX, I spoke with XXXX ( # XXXX ). I also spoke with XXXX prior to this date ( although I don't have her employee number ). I spoke with XXXX prior to this, who is a manager and said that she would escalate this to be done in XXXX, but it was not done. 

On XXXX, I called and spoke with XXXX ( # XXXX ), who, after I indicated I was furious and need to speak with a manager, promptly put me on hold, refused to assist me, and ignored my requests and needs. Please also consider this an official complaint about XXXX ( Employee No. XXXX ). 

Later on XXXX, I spoke with XXXX ( # XXXX ) who told me that NOW my payment will be in effect in XX/XX/XXXX and I have to make ANOTHER administrative forbearance payment. Please look in my file and you will see that I made an administrative forbearance payment in XXXX, XXXX and possibly in XXXX, XXXX. This is completely unacceptable. 

I am looking to have this resolved immediately - meaning, before my XX/XX/XXXX payment is due. I expect someone to resolve this and to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: Ability Recovery Services, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have mailed 3 letters trying to resolve this matter. every letter stated that this was not my account. I have repeatedly ask for proof that this is my account. I have ask repeatedly for something bearing my signature. And in reply ive been told they are not required. To show proof of anything with my signature. they only send a print out of a bill nothing with my signature on anything!!!!. the first letter was sent by certified mail on XX/XX/XXXX. the second sent by certified mail as well on XX/XX/XXXX this was in response. too their print out of a bill as proof that this is my account. once again they sent nothing bearing my signature.

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 2021-09-07
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: Their investigation did not fix an error on your report

Complaint:
I've disputed the public record on my credit files with the credit reporting agencies and the data mining companies but keeping getting that the account was verified by the US bankruptcy Court of XXXX Texas. I've supplied a letter from the US Bankruptcy Court of XXXX Texas, The XXXX XXXX of Texas that states they don't report to and Credit reporting agencies and the credit reporting agencies and data miners continue to verify the account. Under the Privacy act of 1974 under 5 U.S.C. 552a that information isnt allowed to be released by the US Bankruptcy Court. Under 15 U.S.C. 1681-1681y, Section 623 of the FCRA, 15 U.S.C. 1681s-2, only the furnisher of the information can report information and since XXXX and the other data miners are third party companies and not the US Bankruptcy Court of the XXXX XXXX of Texas the Credit Reporting agencies and Data Miner Companies are in violation of law and therefore are subject to fines and penalties.

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 2020-05-08
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
All three credit bureaus are not responding to my request to have all FREEZES or Security Alerts removed from my credit report. When I apply for credit the creditors tell me they can not access my file. The credit bureaus have not responded to my request to have all of these removed and thus it is a VIOLATION of the FCRA. 

Also I am still seeing Negative remarks on my accounts such as " Consumer Disagrees after investigation or Consumer Disputes..Dispute Resolved. '' They are also placing illegal dispute codes or history and status codes on my file to intentionally hurt me and I want all negative, irrelevant, illegal, untrue statements as mentioned to be fully removed from my file. These codes may go unnoticed by a regular person but I see them and know what they are up to. 

The credit bureaus are placing dispute codes, or comments on accounts that I have never disputed which have zero late pays and perfect credit history, so why would I dispute them. THIS IS WHY I AM NOT GOING TO LIST ANY SPECIFIC COMPANY THIS TIME SO THAT THEY CAN NOT FALL BACK ON PLACING ANOTHER DISPUTE CODE ON MY FILE. I AM REQUESTING THAT ALL DISPUTE, HISTORY AND STATUS CODES AS WELL AS ILLEGAL, IMPERMISSIBLE COMMENTS BE REMOVED FROM ALL ACCOUNTS AS NONE OF THEM HAVE BEEN AT ANY TIME DISPUTED OR ARE CURRENTLY IN DISPUTE. THE CREDIT BUREAUS ARE TAKING ADVANTAGE OF COVID-19 BY PLACING THESE FALSE STATEMENTS ON MY ACCOUNT AND THAT NEEDS TO BE DEALT WITH IMMEDIATEL The bureaus have been issued a letter from my attorney and they are refusing to comply with the Federal law that everything on my personal credit file has to be complete, accurate and verifiable. They are illegally doing things to my file and other peoples files that should warrant a full investigation. 

Lastly they are reporting FALSE addresses on my file as well. The only personal address that should be listed on my file is. 

XXXX XXXX XXXX XXXX XXXX, CO XXXX. There should be NO OTHER ADDRESS being reported on my file. 

THE ONLY NAME SHOULD READ AS XXXX XXXX XXXX EMPLOYER : XXXX XXXX  YOU HAVE 30 DAYS TO COMPLY OR FACE A LAW SUIT

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 2019-02-07
Company: EQUIFAX, INC.
State: FL
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:
A credit inquiry for was placed within my XXXX/Equifax credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I tried disputing my inaccurate accounts with XXXX for awhile now. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. Equifax have wrong address on my personal file, and I send in my correct address with proof, Accounts that's not mine, and was already disputed and removed, they put the accounts back on my credit report with no notice. Equifax pretend to remove my accounts but then used old accounts to say they deleted. On XX/XX/2018 I received a letter in the mail from Equifax stating that they updated XXXX  XXXX, XXXX XXXX, and XXXX XXXX, and that they verified the accounts were reporting accurate. I never asked them to dispute any credit card accounts. I asked them to verify the inquires on my credit report that I didn't authorize. There not doing there job, and as a consumer under the FCRA section 609 credit bureaus must prove the accounts is mine, with validation, or contract. I have not received anything verification, or validation. I want these accounts deleted off of my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: ENOVA INTERNATIONAL, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Reached out about the incorrect reporting on my credit account, was given a run around by the creditor, then i reached out to the company in charge of the consolidation and they have yet to get back to me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: CORELOGIC 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've disputed the public record on my credit files with the credit reporting agencies and the data mining companies but keeping getting that the account was verified by the US bankruptcy Court of XXXX Texas. I've supplied a letter from the US Bankruptcy Court of XXXX Texas, The XXXX XXXX of Texas that states they don't report to and Credit reporting agencies and the credit reporting agencies and data miners continue to verify the account. Under the Privacy act of 1974 under 5 U.S.C. 552a that information isnt allowed to be released by the US Bankruptcy Court. Under 15 U.S.C. 1681-1681y, Section 623 of the FCRA, 15 U.S.C. 1681s-2, only the furnisher of the information can report information and since XXXX and the other data miners are third party companies and not the US Bankruptcy Court of the XXXX XXXX of Texas the Credit Reporting agencies and Data Miner Companies are in violation of law and therefore are subject to fines and penalties.

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 2018-06-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Problem is with XXXX XXXX XXXX This is why XXXX is clouding they making a extra money off of laym excuse on the statement closing date XX/XX/2018 My balance was $ XXXX and i made {$1100.00} credit I have been told by the XXXX represanative that when credits made to the account is greater than my balance it wound cover my payment but they charged me {$27.00} late fee anyway Credit cards started to XXXX off the consumer again I think XXXX should be fired from cfpb Represanative are rude robot like unwilling to lessen and they are judge mental and refuse to resolve the issue

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
Consumer complaint received 2020-06-24
Company: Ability Recovery Services, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an alleged debt on my credit report reported by Ability Recovery Services LLC, stemming from XXXX University. I disputed it as it's older than 7 years and should not be on my credit report regardless if it's owed or not. I disputed it based on this. The response to the dispute was that they verified this item belongs to me. This does not address that it is older than 7 years. 

I submitted the dispute on XX/XX/20. I received a response XX/XX/20. 

XXXX also has accepted and closed the dispute, even though the response does not answer/resolve my dispute.

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