BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: CAVALRY INVESTMENTS, LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Today XX/XX/XXXX I called XXXX XXXX XXXX to speak to them about my account and I was informed by a rep who said that they were a non attorney debt collector that I am in the process of being sued on my account. When I asked why I was informed it was because I missed a payment in XXXX and XXXX and for both of those I called in and asked them not to pull as I had two major life events. When I spoke to them about these payment no representatives mentioned anything to me. I have been paying religiously since XXXX on this account without missing any payments until XXXX months this year. When I spoke to the representative today and I asked why I was being sued and no one mentioned anything his response was did you hold up your end of the agreement. No I asked to skip two payments under the assumption that they were moved to the end of my agreement like an extension. I also dont know how a non attorney debt collector can claim that I am being sued after they also say my debt isnt in collections and its sitting in a state where I can be sued anytime they want to proceed with doing that but who I spoke with said they were a debt collector by a non attorney debt collector and it was an attempt to collect a debt. Please someone make it make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 went to cosign for my son a car and after being there for about 4 hours my son was denied for his car because of me being a cosigner. I went home and pulled my credit on one of those credit sites and there are some things on there that are not mine. I've contacted the FTC and my local police and I'm doing all this on my own. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and there is a bankruptcy showing on my credit as well. I have never even thought of a bankruptcy. Please have these items taken off my credit Thank you

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 2019-11-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This complaint is against XXXX, Equifax and XXXX credit reporting agencies. I'm bringing this complaint do to their inaccurate reporting, failure to conduct investigation into disputes and forcing customers to obtain for a monthly fee, their credit monitoring programs which falsely claim to increase credit scores. 
For the last DECADE! my credit score has been in the poor credit rating scale which is the lowest among most. I've tried several times to dispute inaccurate information only to have them deleted then placed back on my report months later lowering my score. I've hired credit service companies who letters were not being responded to by the credit reporting bureau to which I was told to file a lawsuit. 
These credit bureau have inaccurately reported accounts that are closed as being opened, and time barred debts falsing being listed as payments being made or received when no payment was ever sent. I've requested supporting documentation regarding their investigations these request have been unsuccessful. There has been problems obtaining my credit score and report from Equifax do to the inaccurate information the security questions they ask do not pertain to my credit history and I was informed by them that they do not have a credit report listed for my social security number, they intentionally give false information when I contact them. 
I'm XXXX years old my credit report should reflect 34 years of credit history, instead shows only the previous 10 years. Missing is 34 years of exceptionally payment history for utilities, credit cards, mortgages, business, educational and personal loans. This includes missing personal information such as addresses, businesses owned and work history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$550.00} ; XXXX ( Original XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; 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 2020-09-12
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
{$7200.00} WAS STOLEN FROM MY CASHAPP ACCOUNT ON XX/XX/20. This is money that was stored on my actual Cashapp wallet not from my bank account. I WOKE UP AT XXXX TO A TEXT FROM THIS COMPANY TIME STAMPED AT XXXX THAT MY CASH SECURITY LOCK WAS TURNED OFF. I IMMEDIATELY LOGGED INTO THE APP AND DISCOVERED THAT {$7200.00} WAS STOLEN FROM ME IN THE FORM OF 6 SEPARATE TRANSACTIONS 5 MINUTES AFTER HACKING INTO MY ACCOUNT (  {$2900.00} XXXX, {$2500.00} XXXX, {$500.00} XXXX, {$550.00} XXXX, {$500.00} XXXX, {$250.00} XXXX ). I IMMEDIATELY FILED A COMPLAINT THRU THE APP FOR EACH TRANSACTION. SEVERAL HOURS LATER THAT EMAILED ME BACK ASKING FOR ADDITIONAL INFO WHICH I IMMEDIATELY PROVIDED. THE FOLLOWING BUSINESS DAY, I RECEIVED ANOTHER EMAIL ASKING FOR ADDITIONAL INFO IN WHICH I PROVIDED. I HAVE BEEN TRYING TO REACH OUT TO THIS COMPANY DAY IN AND DAY OUT REGASRDING THE DISPUT PROCESS AND THE STATUS. THE INL RESPONSE I APPEAR TO KEEP GETTING FROM THEM IS WHAT APPEARS TO BE A SYSTEM GENERATED EMAIL CONSTANTLY ASKED ME FOR THE SAME ADDITIONAL INFO OVER AND OVER AGAIN ( I WILL ATTACH A COPY OF THE EMAILS. ) THEY DO NOT HAVE A CONTACT # TO TALK TO AN ACTUAL PERSON AND IT SEEMS AS IF THERE IS NO LIVE PERSON HANDLING EMAILS AS WELL. I TRUSTED THIS COMPANY WITH HANDLING OF MY MONEY AND I AM EXTREMELY UPSET THAT NO ONE HAS REACHED BACK OUT TO ME REGARDING THESE FRAUDULENT CHARGES. HOW CAN YOU AS A COMPANY ALLOW SOMEONE TO MAKE SEVERAL TRANSACTIONS BACK TO BACK TO BACK IMMEDIATELY AFTER HACKING INTO SOMEONES ACCOUNT AND TURNING OFF THERE SECURITY SETTINGS WITHOUT SUSPECTING FRAUD. IN THE EMAIL I RECEIVED BACK FROM THE COMPANY, THEY ASKED ME TO REQUEST A REFUND FROM THE PERSON WHOM IT WAS SENT TO, WHICH I DID AS REQUESTED WITH NO PROGRESS. How do you expect for a thief to refund something that was intentionally stolen. I am a single parent of 4 and I am extremely upset. I do not no this person that the money was sent to, I did not send my money to this person. All of my security setting were turned on, I have an XXXX w/ face  recognition therefore I dont no how your company allowed someone to hack into my account from a device thats not even mines and disable my security setting to even be able to steal my money. I just dont understand it, Im irritated, frustrated, I feel violated and I feel like I was robbed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Law Office of Harris & Zide
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Hi Please people I guess there are collection agency by attorneys office trying to sue me and using the language yeah just trying to sue me Be half off I believe XXXX and this is an old account I really contacted them so many times A normal response with me and help me during the pandemic is it weird I am suffering so bad me and my family we can sit for the pandemic COVID-19 And suffering so bad and have very bad They did not help me and now they want to soon take me to court for this whole accounts which is a try to address and inform them that iMessage ration they dont care can you please help me an address in this marriage between them please I will be appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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 alleged fraud or extortion. 



XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA 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 2020-12-14
Company: EQUIFAX, INC.
State: MD
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:
failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY CAPITAL ONE BANK CARD. The dates were XXXX, XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN .The CARES Act calls these  agreements accommodations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I graduated from college in XXXX. I submit an application for a private student loan consolidation to Sallie Mae in XXXX, who was eventually taken over by Navient. The total amount was {$33000.00}. I recently contact Navient for information in regards to my original loan documents. The only documents that I am able to obtain from the company is a private student loan consolidation application. Navient is unable to provide me with any type of promissory note that shows that I accepted the terms of the consolidation nor can they provide any proof that the original loans were actually paid off. The reason that I contacted Navient for this information is based on the balance of my loan decreasing very little over a 12 year repayment time frame. The original disbursement amount showing within the Navient website is {$33000.00}. I made payments between XXXX - current totaling {$33000.00}. The payments were allocating as the following : Principal - {$13000.00}, Interest - {$20000.00}, Fees - {$300.00}. My current remaining balance is still {$21000.00}. If my payments continue as they have over the past decade, I will end up paying around triple the amount of my original loan. I became unemployed between XXXX - XXXX due to being employed by a company that was involved with the XXXX XXXX situation. During the time frame of XXXX-XXXX when I was unemployed, I was only ever offered forbearances and now options to assist in payment plans of any kind. I had minimal income, however I always attempted to maintain my history with my student loan, however my intentions were not always realistic when collecting only unemployment funds for nearly 2 years. In light of the new information in regards to Navient/Sallie Mae targeting student loan borrowers to pay forbearances to maximize profits via interest payments has convinced me to file this complaint. Not only do I believe that I am a victim of predatory lending, I also believe that there is no documentation to back up that I even agreed to the terms within the loan application as I never signed any type of promissory note or a promise to pay in agreement with terms. I believe that all practices involved in my example listed have been predatory and not in the best interest of the borrower, however I put my trust into the company for 12 years. I have paid over {$33000.00} total and my balance has decreased by {$12000.00}. I still show an existing balance that I have yet to pay of over {$21000.00}. This is a perfect example of predatory lending, inappropriate allocation of payments and not housing appropriate documents for a consumer lending agreement. I have finally reached a point where I feel a complaint and legal action is in the near future as this is clearly an example of unfair practices and not in the best interest of me, the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: TN
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:
On approximately XX/XX/2021 I called EQUIFAX due to seeing some creditors on my consumer credit report, that should not be on there. I called EQUIFAX and spoke with one of their representatives and informed them that the account should not be on my report. They informed me they would dispute the account and would send me the results in the mail. I received a letter dated XX/XX/2021 from EQUIFAX stating the accounts had been removed. Due to this being my consumer credit report, and inaccurate information being added to my report, it is a violation of Title 15 1681e ( b ). EQUIFAX has shown negligence in not properly justifying the information in which they added to my consumer credit report, resulting in damage to my consumer credit score, reputation, as well as character, which is also a violation of Title 15 1692e ( 2 ) ( a ). I initially reached out to EQUIFAX on XX/XX/2021 and there has been no further communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Shermeta Law Group, PLLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had my paychecks garnished. Paid in full. They are trying to garnish my wages again and take my taxes too. It has been paid for a year, not to mention it is a different amount than I had originally owed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Experian Information Solutions Inc.
State: LA
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 sixth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXXXXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/20XXXX XXXX XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020 ; XXXX XXXX XX/XX/2020

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 2020-07-17
Company: National Credit Adjusters, LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have contacted the Creditor and Credit Bureau more than twice and no response and the issue is still unresolved. This is defamation of character. I would like proof of the original documentation with my signature to prove that this debt is my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: MA
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 name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-04-05
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The amount in collections continues to increase which is more than the original debt that was bought by this midland credit company. The amount owed increases beyond the original debt amount which is inaccurate and I want the debt removed from my credit report immediately for criminal practices. I keep getting calls at all times of the day and night which is causing me mental and physical stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent letters to each TransUnion, XXXX, and XXXX on five different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

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 2019-10-02
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX Cell : ( XXXX ) XXXX Regards, Loan Number : XXXX I am writing this letter to complain about New American Funding, their mailing address is XXXX XXXX XXXX, XXXX, TX XXXX. This company holds my mortgage and they have falsely reported me over 30 days late to my credit reporting agencies. The months in question are XXXX, XXXX, and XX/XX/XXXX. 

I am attaching my payment receipts for the following : XXXX ( paid XX/XX/XXXX by electronic Debit ), XXXX ( paid XX/XX/XXXX by electronic check ), XXXX ( paid XX/XX/XXXX by official check ), and XXXX ( paid XX/XX/XXXX by official check ). 

On XX/XX/XXXX at approximately XXXX XXXX I called New American Funding and spoke with representative XXXX and provided the information. After keeping me on hold for over 10 minute, she returned and told me that I did not pay for XXXX and every month thereafter were late and that is why they reported the lates to the credit reporting agencies, I repeated that I paid within the 30 days and she insisted that the system says I was late and there was nothing she could do. 

After reviewing the Loan Activity from the New American Funding I discovered that I in fact paid XXXX, XXXX, XXXX, and XXXX well within the 30 days of which New American Funding falsely reported over 30 days late to the credit reporting agencies. This false report has caused me to be denied for credit and loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Universal Payment Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Company " Universal Payment XXXX  XXXX  of XXXX  '' has entered a debt information on my credit file in the amount of {$11000.00} as a payment it claimed to have made to " XXXX  XXXX  XXXX  of XXXX  '' to finance a product development deal that I have with XXXX  XXXX. 

The problem is, XXXX XXXX XXXX was never paid any such money and had long halted the service for not receiving payments. 

So this Company neither paid XXXX XXXX any money nor gave me any money directly as financing for any deal. 

Therefore the debt claim by this organization is spurious and fraudulent simply because I could not owe this company for money it neither gave me nor paid to any entity on my behalf.

Company response to consumer: Untimely response