BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-23
Company: Ability Recovery Services, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2019 I received a letter from Ability Recovery Services , LLC in reference to an alleged debt with XXXX XXXX. I called Ability Recovery Services and informed them that this was not my debt, that I had never signed up for anything with XXXX XXXX, and I was not going to pay this debt. The CSR informed me that since my date of birth matched up with what they had in the system, that this was in fact my debt, and I would have to pay it. He further stated that XXXX XXXX would have " proof '' that I signed up and that because of that I would have to pay it. Once again I informed him that I never signed up for anything with XXXX XXXX, that I was the victim of ID theft and that this was not my account. The call ended with that, but that is not where it stopped. I got an alert from XXXX that a new " collection account '' was listed on my credit report. This collection account was listed by Ability Recovery Services,  and has XXXX XXXX listed as the original creditor. This caused my score to drop my over 50 points. I filled out an ID theft affidavit, and I also went to the XXXX Township Police Dept. This is not my account, I want it deleted from all of my credit reports. I would file suit immediately in the XXXX Federal Court, but Ability is NOT registered with the state of Michigan and they have a history of default judgments in this district.

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 2019-02-23
Company: MoneyLion Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have contacted the company numerous times to update my checking account for the automatic withdraw payment. I have called used the chat feature on the app and emailed. I get put on hold for almost an house to get hung up on. The chat they dont respond for over 45 minutes. I then gdt contactes by XXXX who keeps telling me to call. I have called and i get put on hold. They don't speak English or they hang up on me. I have filed a XXXX complaint and Money lion lied in attempt to make me look bad. Stating I never contacted them. They keep trying to debit my old checking account resulting in overdrafts. My correct checking account is on file. They have it and blatantly refuse to update it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from PORTFOLIO RECOVERY in XX/XX/2018 in the amount of {$470.00}. First and foremost, I have confirmed that the debt collector, PORTFOLIO RECOVERY is not licensed in the state of Texas to collect on this debt. Secondly, PORTFOLIO RECOVERY violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to PORTFOLIO RECOVERY? I have never heard of them, have no written contract with them and have never received any benefits from them, yet PORTFOLIO RECOVERY has submitted negative information to all three credit reporting agencies ( XXXX, XXXX  and XXXX  ) against my name and social security number and is demanding payment from me in the amount of {$470.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
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 status incorrect

Complaint:
My credit report with TransUnion is reporting this debt as 120 days pass due as the status instead of paid and closed. The account has a XXXX balance but the credit reporting agency has status as 120 days past due.i have disputed this with the reporting agency multiple times with no update to this status.

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 2019-02-23
Company: Caliber Home Loans, 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 status incorrect

Complaint:
My credit report with XXXX is reporting this debt as 120 days pass due as the status instead of paid and closed. The account has a XXXX balance but the credit reporting agency has status as 120 days past due.i have disputed this with the reporting agency multiple times with no update to this status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
The incorrect information that this company has on my credit report is hindering me from making moves and costing me thousands of dollars in interest every year. Incorrect personal information and unauthorized inquires. I sent letters on XX/XX/2021 it has been wayyyy past 60 days. To my understanding credit bureaus has 30 days to investigate disputes or they must DELETE the information being disputed. I have been patient long enough. I demand that these incorrect items on my credit report be removed ASAP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello. This added information might be helpful to the original complaint I made on the telephone this morning. About XXXX months ago I applied for a construction bank loan ; I was told that I needed to submit them my last year 's tax information to be granted the loan. For that reason after searching the internet for a qualified source I found a company with someone who called himself XXXX said he would prepare me the required tax documents if I could email him my bank statements for the last last XXXX  months .That is exactly what I did. He said since he had a real estate background he would know exactly what I would need. Since I did not hear from him for over a month, I called his number at : XXXX and was told that he had taken my files home and he would be preparing it on his own, and he would let me know when to pick it up. He never called me back until about 2 weeks ago I had a telephone call from someone who introduced himself as a wells Fargo fraud Dept. agent and said a suspicious activity is taking place in my bank account and the sum of {$4500.00} from my account has been withdrawn from that account. While I was totally shocked, I answered I never authorized any person to withdraw money from my account. Then I was told that in order to reverse that transaction Wells Fargo bank would need my authorization first. He further said that he would send me a text and upon my confirmation of that text the fraudulent transaction would be reversed by the bank, and I shouldn't worry about it any more. Being in a state of shock in order, to obtain more information about this suspicious activity I called Wells Fargo bank found out that the telephone call never came from the bank and {$5500.00} was stolen from the account, bringing my balance to {$0.00}. The bank managed to reverse {$1000.00} of which but they were unable to reverse the rest of the stolen transaction due to the fact that there was no funds available in that account. I feel so helpless and since I am a XXXX person and live on my social security income I would be very much obliged if you were kind enough to investigate this blatant broad daylight rubbery. Here is information from the case numbers printed on the letters I have received from the bank : XXXX # XXXX and claim # 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 2020-06-03
Company: CONTRACT CALLERS INC
State: NY
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:
Summary : -No initial notice of delinquency was received as required by FCRA 623 7 ( A ) ( Notice to Consumer Required ) ; most certainly nothing was sent that was clear or conspicuous per FCRA 623 7.  Creditor has not been able to provide any verification to support that it was sent. 

- Dispute was not resolved within 30 days ; there were no extenuating circumstances that would allow for 15 day extension. 

- When XXXX was asked they were unable to provide a description of the procedure used to determine the accuracy and completeness of the information as required under FCRA 611. 

- Creditor has not been able to to provide verification after reinvestigation as required by FCRA 623. 


Detail : I requested a dispute through XXXX ( dispute report XXXX ) on XX/XX/2020 against a company called Contract Callers that's on my credit report showing collections against me. I supplied XXXX with the information that this was incorrect. 

On XX/XX/2020 I received a message saying my dispute is complete ( 35 days after dispute was started. When logged in it says the dispute report was generated XX/XX/XXXX, 33 days after dispute pics below ). 

I reviewed the dispute and called XX/XX/XXXX dispute support on XX/XX/2020. XX/XX/XXXX told me to contact the collections agency which had already been done but they did not provide relief as required under FCRA. During the course of the call I was told the information was correct but when I asked the XX/XX/XXXX representative about the procedure used to verify correctness they said they don't have any verification from the company that the collections action was accurate for the paid account or that the original creditor had provided any notification of delinquency as required under the FCRA. 

I was able to verify with them that no prior notice was given as required under the FCRA of a clear and conspicuous notice. As soon as a collections action against me was noticed I reached out to pay the account and clear the item up. The collections agency was very clear that if I made an immediate payment in full to them they would be able to remove this from my credit report. Years later it still remains on the account. 

Today, XX/XX/XXXX, I sat on hold for over an hour and fifteen minutes with XX/XX/XXXX only to have them conveniently hang up while still on hold. Neither XX/XX/XXXX or Contract Callers have responded or acted in accordance with the FCRA. I have told both parties that their actions, or lack of action, is against FCRA they respond as if nothing will happen by reporting it to the CFPB. 

Please help.

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 2020-07-20
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: Information belongs to someone else

Complaint:
I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: FORD MOTOR CREDIT CO.
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:
My credit report shows 8 late payments after i checked my most recent report. I contacted the company to ask for verification of the late payments stated on my report but i have not received a response in regards to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The department of education has breached the contract I had with them. XXXX gained access to my personal information. XXXX has presented itself as a government agency. XXXX is still violating the Fair Credit Reporting Act, Fair Debt Collection Practices Act, discloser and privacy laws enacted by congress, along with laws and provisions as addressed in my federal complaint. I have never had a contract with or entered into a payment agreement with XXXX. Their dispute is with the federal agency who they entered into a contract with.

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 2019-02-23
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX our leased XXXX XXXX XXXX was damaged during the flood and we submitted a claim to insurance company that the car is irreparable. The insurance company honored the claim and paid the remaining value of the car to XXXX XXXX XXXX P.O. Box XXXX XXXX XXXX, IA XXXX ( " XXXX '' ) under account number XXXX : XXXX on XX/XX/XXXX. Both my husband and myself are listed as lessees on the account. XXXX sent us a letter dated XX/XX/XXXX indicating that we owe a GAP insurance deductible of {$150.00}, which is " due within XXXX days from the date of this notice '' and if not paid, " your account will be charged off and reported as such to the credit reporting agencies ''. I was overseas for work at the time, I did receive a call from them on or about XX/XX/XXXX, where they were trying to confirm if we received a letter and indicating that {$150.00} was due and payable. I asked them to send by email, which they did. I forwarded the request to my husband, who was in US and asked him to settle. My husband sent a check dated XX/XX/XXXX for the amount of {$150.00}, which cleared our checking account on XX/XX/XXXX. In meanwhile, XXXX reported the amount as charged-off. My credit history has only 1 account reported being late for payment, which is XXXX XXXX in XXXX with indication 30-59 Days Past due. Everything else is in good standing, no late payments, no defaults, no derogatory remarks. After this charge-off amount got posted to the credit report, our credit scores have dropped significantly. 
On XX/XX/XXXX I have written to XXXX indicating that they placed an undue burden on us where this {$150.00} is creating undue limitations to our financial freedom and demanded that this record be expunged from our Credit Report. They responded that they did everything properly. Please note, nowhere in the contract that I had signed there is a clause that I would have agreed that XXXX IS awarded such right. I consider this frivolous behavior. Where does 20 days have come from, why is it 20, not 10 or not 30? is it 20 calendar or business days? I have opened several claims with XXXX, trying to explain and fix the issue. They made a comment on the report that the account was paid, but remained the CO remark and " XXXX XXXX Off ''. This doesn't help though. We have recently applied for a mortgage and were denied with comments " there is a serious delinquency on your credit report '' ; " delinquent account appears to be recent ''. At this time I am looking for assistance on legal remedies that are available to me. I am intending to bring a suit to court as this burden is so undue and has caused us substantial moral suffering. I am also looking for an instrument, where I, as an individual, can be awarded an equal right to place financial burden on XXXX at my discretion of 10, 20 or 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
This account was placed in default on XX/XX/2018. It just came off of a Derferment in XX/XX/2018. I stopped getting any kind of mail from my loan servicer in XX/XX/2018. I received no calls or any correspondence from my servicer, XXXX. They put the loan in default without corresponding with me. I received 1 phone call from XXXX XXXX 3 weeks ago. I was told to contact XXXX. I contacted my servicer, XXXX. I was told to contact XXXX. I was getting the run around from all parties involved. I worked a little part time job last year. I was able to receive an income tax return, but it was taken, by Navient without notification. With Navient taking my income tax, it has put me in a major bind financially. Examples : Electricity due to be cut off any day, Phone is due to be disconnected any day, Car is due to be repossessed, etc. I didn't know who my servicer was until I called several different places. I did a review of the company, Navient. They have 4 lawsuits against them currently for Student Loans. The  customer service representatives with this company is extremely rude. I couldn't get a word in at all with the several representatives I did come in contact with. I need some serious help with this situation.

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 2019-02-23
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 contacted Experian TWICE, in regards to information on my credit repo that has been investigated by law enforcement as fraud. Ive never lived in South Carolina where these accounts were opened. I provided them with the police report and a letter requesting that they remove this erroneous information immediately. In addition I contacted the creditors and provided the same information. I was told by the creditor that if I paid a settlement amount that they would remove the information from my report. I called Experian and advised them of that conversation. I told the representative that it appears that both the creditor and Experian are involved in a crude black mail system to force payment from consumers seeking relief from the effects of indentity theft. The Experian agent told me that by law they are required to report the information provided by the creditor .... I then advised him that the FCRA requires you to report ACCURATE information.. refusing to remove information that has been documented by law enforcement as fraud to assist the creditor in blackmailing the consumer into agreeing to a settlement to remove the information is FRAUD ... Experian is taking fees on information they know to be erroneous and fraud. Where is our protection from these predators?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Incomm Holdings Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received 3 unsolicited debit cards from XXXX Direct. Call the phone numbers to ask why and just get routed to electronic service to activate the cards. 

Also received an unsolicited debit card from XXXX and had same results when trying to question receipt of card. 

Also received an unsolicited debit card from XXXX and had same results when trying to question receipt of card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 received a collection call today from some about a credit card that I did not open or authorize. I viewed my online credit report via TransUnion. The TransUnion website says that allows online initiation of disputes, However the TransUnion website would not process my online 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 non-monetary relief
Consumer complaint received 2021-02-24
Company: WELLS FARGO & COMPANY
State: SC
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:
In XXXX of 2019 XXXX removed a charged off account from wells fargo in the amount of {$19000.00} because the company couldn't validate the debt as mine. I have since tried to remove the account again because it showed back up on my credit profile two months later with a different account number and the charged off amount being a dollar less ( {$19000.00} ). I have reached out to wells fargo again asking them to provide me with the information used to validate the account and they keep sending me a paper to fill out my information and sign. They have not validated the information with me but XXXX and XXXX  keep saying the account is valid and when I ask for the method of verification, they do not respond. They also have my grandfather as the authorized signer and he is diagnosed with XXXX. They have reached out and contacted him and I am afraid they are taking advantage of his XXXX state

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