BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-21
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:
XXXX and Transunion are reporting me as 120 days past due on XXXX   XXXX partial account # XXXX that has a {$0.00} balance and {$0.00} past due. This is harming my credit score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amount.

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 2018-09-27
Company: Experian Information Solutions Inc.
State: GA
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 reached out to XXXX XXXX twice to resolve issue ( s ) on information on my file in their company possession. Once I reviewed the file I requested the removal and deletion of ( NOD ) Notice of Default. They said they reviewed it with XXXX, Experian and XXXX  and they said they received the information from them. However no mortgage company is listed on my credit file/report. Then I requested for an reinvestigation and asked for the company that furnished the the information. And now there saying that the credit Bureaus supply them the information. However it was verified by 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 2023-03-28
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:
This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-03-01
Company: Interstate Recovery Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a notification by mail from Interstate Recovery Service saying a debt has been assigned for magazines for {$940.00}. I do not owe this money. I sent a certified letter requesting proof of debt within 30 days of notice.. I did receive the return receipt. I also received another form letter identical to the first. No proof of debt mailed. I see online this is a scam company. Id like a complaint filed. I never have owed money to a company called XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-29
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Someone hacked my account. I have XXXX XXXX They got into my online banking and sent {$300.00} to a XXXX account. I I filed a complaint with my bank and with zelle. However, I was unsuccessful with getting my money back. My bank told me there is nothing they can do. I feel so helpless knowing someone stole my money and I have yet to get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: EQUIFAX, INC.
State: GA
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 reached out to XXXX XXXX twice to resolve issue ( s ) on information on my file in their company possession. Once I reviewed the file I requested the removal and deletion of ( NOD ) Notice of Default. They said they reviewed it with Equifax, XXXX and XXXX and they said they received the information from them. However no mortgage company is listed on my credit file/report. Then I requested for an reinvestigation and asked for the company that furnished the the information. And now there saying that the credit Bureaus supply them the information. However it was verified by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I initially started a line of credit with Cash Net Usa back in XX/XX/XXXX. I was in need of the credit line but I was not aware that they were practicing predatory lending the interest rate kept me in a cycle of never ending debt. I ran into financial trouble back in XXXX or XXXX of XXXX and i was not able to make any payments and have not been able. I contacted them and informed them around XX/XX/XXXX again and they told me they couldn't help unless i paid the past due amount, after i already Expressed i was unable to make payments. Then they decided the best option was the {$93.00} payments plus the {$130.00} payments in XXXX to catch up which still does not help me. I do not know what to do they continuously call me and email me after ive said i cant pay and need options while im in this financial trouble.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax did not take the appropriate steps to keep my personal information secure. Following the break into their system, their executives hid the event and made money off of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Filed for bankruptcy

Complaint:
I filed protection under the Bankruptcy act XX/XX/2020, and Target Credit Card didn't adhere to the Federal Bankruptcy Law. The BK law protects from creditors like Targets. Doing the time I was under Bankruptcy, They reported late payments on my credit file. Also the law indicate the creditors can not report negative marks to the reporting agencies until the BK has been discharged. I would like this account deleted from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Home Loan Center, Inc.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On or about Thursday my wallet and phone were taken by my step daughter and her boyfriend. While they had my phone they apparently applied for a loan through lending tree. My banking information was given out and XXXX was deposited into my checking account. I guess money was supposed to be sent back but was not able to do that. Now my bank account is locked. I don't believe this is a legit company. They asked for money to be XXXX XXXX back also gift cards to be purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: AmeriCollect
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
AmeriCollect is reporting on my credit. I sent them validation of debt letters they sent me copies of my so- called hospital bill. This is indirect violation of my Hippa Rights, I never gave them permission to access my medical records. Nor did I sign a consent authorizing such behavior. They also didn't properly validate this so called debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union is not responding to any of my requests to investigate, verify and remove accounts from my credit file that do not belong to me.

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 2019-02-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My XXXX XXXX Credit card account has late payments reported that should not be there. I contacted them and they waived the late fees but didn't correct the lates which should have never been reported on my account 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 2023-02-21
Company: W&A Intermediate Co., LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I humbly ask that under the new law passed XX/XX/2022 concerning medical debt under {$500.00} that my collections debt of {$130.00} account # XXXX from Wakefield & associates be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Lost my job due to Covid. Applied for forbearance under the Cares Act. The mortgage companys website states that one can apply for streamline refinance while under the forbearance plan if the loan is FHA or VA. Nowhere on the website states that one has to be off of the forbearance plan and have had made 3 on time payments to be able to refinance. I am including screen shots of Freedom Mortgages website that says if you are thinking of refinancing while under forbearance ... but when I called them to do this, they tell me no, you have to be off of forbearance. One of the main reasons I went under forbearance was to be able to refinance WHILE under the plan and be able to lower my monthly payments. After all, forbearance is to suspend payments you can not make and does not make sense to have to get off of the plan, have to had made 3 on time payments to THEN apply to lower your monthly payments?

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 2020-11-24
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 XXXX XXXX XXXX  {$7800.00} Midland Credit Management, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA. XXXX, Current Creditor : Midland Funding LLC, sent to me, while no such account ever existed but claimed XXXX XXXX. as original. Smelled fraud, checked online, many fraudulent reports/complaints. Afraid to contact in lieu of scam artists or identity theft. 
XX/XX/2020 XXXX XXXX Visa {$1400.00} Midland Credit Management, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, CA. XXXX, Current Creditor : XXXXdland Funding LLC, sent to me, while no such account ever existed but claimed XXXX XXXX. as original. Again, afraid to feed into a scam. 
XX/XX/2020 XXXX XXXX XXXX {$7800.00} repeated. 
Filing report with CFPB, consumerfinance.gov. Given a common name, and no record of ill credit, misidentification or wrongful contact likely at the least. Fraud, identity theft, or scam more possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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:
FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 


XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX inquiries XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US DEPT OF ED/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I pay XXXX XXXX for my old Walmart account in the amount of {$400.00} on XX/XX/2018 they reported to my credit bureau that I only made a payment of {$400.00} towards my debt when I called and spoke with the manager she assured me that they were going to correct this matter she also email me a settlement letter stating I paid this off now today on my credit report it has went down tremendously 21 points stating that I still owe the debt for the full {$780.00} so it has stated that my debt has increased by {$400.00} by this company when I call back today to speak with someone they tell me that my account has been transferred to the dispute department and that's who places on my credit report and it's nothing I can do about it even though I paid this I'm trying to purchase a home in this is really hendering my credit

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 2018-03-09
Company: Experian Information Solutions 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:
Experian Report # XXXX for XX/XX/XXXX Experian has on page 3 of 20 XXXX XXXX XXXX XXXX XXXX incomplete reporting information. Experian has date open XX/XX/XXXX but only show partial XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. this is a incomplete payment history. Experian also has XX/XX/XXXX as first reported but no payment history. Experian has incomplete payment history of the loan since XX/XX/XXXX. Also Experian has not or want provide documented proof to the payment history as incomplete by them.

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 2017-09-14
Company: Reliant Financial Corporation
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
OnXX/XX/XXXX. I had my vehical voluntaried Repossed cause of an unpaid balance of {$4300.00}. 
I lost my job so I could n't afford it anymore. On XX/XX/XXXXI requested a letter of Resale for XXXX XXXX XXXX. A.K.A Reliant Financial. I received it via email. 
When I check the amount of how much they sold the car for, they sold the car for {$600.00} which to me I think it 's ridiculous that they sold it for that amount. ( that is another complaint that I will be reporting on this one ).. 
In the letter it says the new balance is {$3300.00} After the resale. 
According to my XXXX and XXXX XXXX Credit Report. It claim my balance is {$5200.00}. To me it sounds like there falsifying fact on my Credit Report. On a closed account which is date on XX/XX/XXXX and it 's XXXX From what I been reading in the FBCPA laws ai n't that in violation of my right as a Consumer.  How can they still be charging me when the account is closed. When it 's closed its closed.. 
My Second Complaint is for the amount they sold the Vehical for {$600.00}, To me that is not a very reasonable amount for which the car was sold being in the condition on which it was repo 'd. It seem like they just wanted to hurry up and get rid of it with no though in mind on how much to sale it for. I honestly think it in violation of my rights according to the FBCPA laws and F.T.C laws as well as Consumer Laws under the state of Nevada. This is paragraph is out of the F.T.C Laws of Vehical Repossession. " Any resale of a repossessed vehicle must be conducted in a commercially reasonable manner. Your creditor doesnt have to get the highest possible price for the vehicle or even a good price. But a resale price that is below fair market value may indicate that the sale was not commercially reasonable. Commercially reasonable may depend on the standard sales practices in your area. A creditors failure to resell your car in a " Commercially Reasonable Manner ''. may give you a claim against that creditor for damages or a defense against a deficiency judgment. " ..I 'm sure there in violation of other things as far as false reports to the Credit Bureau as far as the account being closed but yet still charging me a fee. Also for reporting inaccurate Balances on my Credit Report. And charging me late fees on a closed account. Which to me it consider falsifying information. Which is in Violation of my Consumer right. I will consult with an attorney to see if I have any grounds to file a claim against them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Nelnet, Inc.
State: GA
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:
On XX/XX/2022, Nelnet received a payment of {$18000.00} as part of a consolidation with another student loan servicer ( XXXX ). On XX/XX/2022, despite having a XXXX balance remaining on my student loans, Nelnet debited {$200.00} from my XXXX checking account. I called in several times after that and was told that the overpayment would be refunded to my XXXX checking account. When I had not received the payment by XX/XX/XXXX, I called in and was told that the payment had been forwarded to XXXX. I have checked multiple times with XXXX and with XXXX, which assisted with the loan consolidation. Neither company has any record of receiving any payment from Nelnet. Nelnet is unwilling to assist me further and is telling me that the money was sent. As such, Nelnet either lost or stole my {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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