BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: AR
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 explanation
Consumer complaint received 2019-03-24
Company: Experian Information Solutions Inc.
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX date opened XXXX credit card amount XXXX XXXX XXXX XXXX   opened XX/XX/XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX for {$5400.00} XXXX XXXX charge card {$5000.00} and many others places in my Experian credit file action I put fraud alert that about 7 years ago for problem identity thieft I submitted my ID, SS card, driver license water bills electricity bill, police report and all evidence requested, and the problem never stop. 
now I request frozen my file .I receive a call from XXXX XXXX from XXXX XXXX XXXX XXXX program XXXX that their can fix my according to pay a sum of money she got y information from Experian. 
I request a permanent frozen my credit file. and clean my 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 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove 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 non-monetary relief
Consumer complaint received 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The information in the reports are different and do not match. It appears on my report as a negative account. {$2100.00} and the dates do not match nor the company names. I asked them to remove that from my credit report. to 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 2021-11-24
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland Credit Management hired a law office to collect a debt called XXXX XXXX XXXX which I requested within 30 days of receiving the letter to verify the debt by US certified Mail on XX/XX/2021 instead I received another letter from another Law office called XXXX XXXX XXXX, XXXX to collect the same debt on behalf of Midland Credit Management which again I requested to verify the debt using US certified Mail on XX/XX/2021, but did not receive any verification from them in over 30 days that constitute a verification of the claimed debt. 
I Called Midland, a representative named XXXX XXXX advised to call the attorney, when I called the attorney at XXXX XXXX XXXX claimed they do not have verify the debt in certain time limit, they all give me the run around to simply verify the debt with all the attorney 's phone people rudeness and pushing to extract more info and talking about settlement of unverified debt to start with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: DE
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:
In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX XXXX XXXX Services ; XXXX and XXXX XXXX, XX/XX/XXXX, Collections Acct # XXXX XXXX XXXX Equity, XX/XX/XXXX, Paid Closed Acct XXXX XXXX XXXX XXXX Simple, XX/XX/XXXX, Paid Closed Acct # XXXX XXXX XXXXXXXX, XX/XX/XXXX, Paid Closed Acct XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Repossession, {$4400.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-08-14
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:
The {$10000.00} was a down payment and not an additional fee/mortgage. Please see the attached Repayment only if I sell or move within 5 years. So next year this should drop not be added. Also when they purchased the loan from XXXX XXXX  the mortgage didn't have the {$10000.00} attached XXXX XXXX  just added this last year.

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 2020-10-26
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently, I received a copy of my credit report and found several fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: BTH Management
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled an account an with XXXX XXXX, and made the payment to XXXX XXXX because they own the debt but they are not reporting the account to the credit bureaus. The company that is reporting to the credit companies is Plaza Services. Plaza Services is violating my right to have fair and accurate credit information reported. Plaza Services does not have the right to report on debt they do not own. That leaves me and any one else susceptible to fraud if companies that don't own debts report on them. Also, by doing this they keep the debt reported on the credit for longer than the statue of limitations allowed. Plaza Services is inaccurately reporting that the debt has a balance and the account is open when it is not, I called and they don't own the debt they sold it to XXXX XXXX. The account was settled and there is a XXXX  balance on the account. Plaza Services refuse to report accurate information and refuse to delete the debt. The account must be deleted from my credit report. When I settled the debt it was paid to XXXX XXXX not Plaza Services.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
The Credit bureaus seem to throw my letters out or do not do anything on my file. I have late payments that are not true. I want the inquiries I did not authorize removed. I have several accounts that do not belong to me. My name and alias names need to be corrected. My addresses are wrong as well. I am attaching a letter of explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated Automated phone calls over the last month everyday all day Under the disguised phone number " ACCOUNT SERVICES '' I attempted to answer a couple times and press associated numbers tom speak to a live associate and the numbers pressed were flat out unrecognized on three attempts with 3 different phone calls from the MOBSTERS during a 6 month " STATE OF MICHIGAN SHUT DOWN '' and the 'WORLD PANDEMIC '' COVID-19. 
The economic disaster is just the beginning of what i expect to be a major financial crash bigger then the GREAT RECESSION in terms of banks balance sheets, note buyers, and the theft of AMERICAN TAXPAYERS. ROBBING XXXX TO PAY XXXX. 

THE CFPB/XXXX should ensure that these corporations assist all AMERICANS in an effort to minimize the problems that XXXX CREATED WORLDWIDE. No not TREAD ON ME! 

FOIA ... Did Citi Bank participate and receive money from the AMERICAN TAXPAYERS distributed by the CARES ACT???

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 2019-08-15
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My sister passed away in California, 47 days later my Mother had accident and XXXX   XXXX out of state. In 6 institutions with my Mother on 2 different XXXX at work, XXXX XXXX. XXXX said you know this job, you were our # 1 XXXX XXXX, we like you however your job is over today. I asked when I would get paid for my new contracts being installed in next days? XXXX said never. I got a default because of life situation, I did my best to avoid. However Nelnet told me the only way to get out of this is start making direct deposit payment of minimal amount. Then I found under employed job while looking for another job, requested income base pay plan. I have reached out to Nelnet since XX/XX/2019 that amount is incorrect, 73 calls and 43 emails later still no resolution. Managers I requested, since no advisor could help or were documenting previous calls. Manager XXXX XXXX never called me back. Manager XXXX XXXX left message to busy with meetings. So I went to guarantor XXXX, forwarded my documents, and XXXX said would file a complaint, XXXX did not file complaint, mislead again. Who would have thought 12 years ago surviving near death accident, being told by Dr 's probably would not work again. No assistance at Nelnet Beware!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
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 reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$26000.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a Debt Validation letter to National Credit Systems and I haven't received anything showing alleged original paperwork from original creditor.I sent a certified letter to them and never received nothing back.Right then it was supposed to be removed from my credit report due to failed no response or proof.I also sent a certified letter of a settlement just to get rid of alleged debt but off was rejected.Also the person I spoke with states he's a supervisor after I ask for another supervisor he states he's the only one, right off I don't feel comfortable.I asked Mr XXXX for at least a settlement agreement in writing stating once alleged debt of agreed settlement was paid that account would be deleted from all credit reporting agencies and so on, he states he can't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I reached out to this company several times in hopes of trying to resolve this matter. I was sold a lemon vehicle of which I was trying to pay the car payment and multiple repairs totaling over 15,000.00. In  XXXX, I called the company to advise of payment being sent and was advised by the representative not to send payment, in fact the company was not longer collecting on the vehicle as it was too old and had no value. I was advised someone from collections will be in touch with me to further discuss payoff and get me my title and that never happened. upon calling them back in XX/XX/XXXX and again in XX/XX/XXXX and again in XX/XX/XXXX and XX/XX/XXXX I was advised the due to the original creditor going bankrupt they could no longer collect on this item and the {$8000.00} ( + ) still owed was expunged and I would receive a letter and title in the mail by the end of XXXX well that never happened. now when I call them I get the run around and nobody calls me back. I reached out to them several times even more recently because when I disputed this item several times on my credit reports with XXXX, XXXX, and XXXX they went in and now said the item in collections for {$14000.00} ( + ) dollars. How can they now want so much money for a 14 year old vehicle and where did they get these figures from. I never rec 'd anything indicating I owed them again since the original conversation in XXXX nor did they send any collection letters or contact me and none of my information has changed. they also are reporting repossession and redeemed and that is not accurate. I paid the vehicle before it every got to that status, not to mention this being on my reports and it is not accurate at all. I tried everything I know to get this resolved and to date I have been unsuccessful on my own. I have all the repair documents and the financing documents for the vehicle still and never rec 'd anything from them releasing me besides verbal authorization. Lastly for over 7 years I was paying for a vehicle and being robbed as the monies were not being credited appropriately as per the terms and conditions of the contract. When I went back to the original dealer on this issue I was advised they closed down for faulty contacts and swindling people. When I contacted the financing company I got the same information and they then went bankrupt after receiving bail out money from government. Then TD auto finance purchased the account and pretty much started my payments all over again and increased my balances. which should be considered unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-10-19
Company: EQUIFAX, INC.
State: OH
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:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent information from my consumer report and from there internal data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This is the letter we just mailed to ALLY Financial. 

As I am typing this letter as I am again on hold with your XXXX number. No one ever answers. This would be our 9th phone call with hold times over an hour. Last night we held for 40 minutes and it just hung up on us. 

This letter is to dispute a bill of late charges that we have repeatedly called about and they need to be immediately removed from our bill. The entire reason we leased this car was to establish perfect credit as you can see by our payments have been on time if not early every single month since we drove out of the dealership. We have no idea why this {$31.00} charge is on our bill and is now totaling {$880.00}. 

We have repeatedly asked your representatives to clarify the fees and specifically exactly the full payment amount is so we can pay it. They have refused to clarify these questions. We have asked to pay what they said a one time XXXX late fee which we didnt even know where that was coming from but paid it anyway. They never told us that this was every month or recurring and also at that time never told us that there was this XXXX balance hanging over us. 

Your regulator CFPB was specifically established to protect consumers against these types of abusive practices. In this case, we are talking about failures to disclose fees, failure to disclose amounts due and refusal to answer questions and an overall evasiveness and lack of responsiveness. We will be filing a formal complaint with the CFPB on this matter. 

Please consider this a formal complaint as we will be filing such complaint with the CFPB on this matter. PS I AM STILL HOLD AND WHO IS GOING TO PAY ME FOR ALL THE HOURS SPENT ON HOLD AND TYPING THIS LETTER.

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 2019-08-22
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:
Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even warning me about it.I ask that get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for 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 explanation