BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-18
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi I am Im making this complaint against I.C. SYSTEM, INC for identity theft. I have never given I.C. SYSTEM, INC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until I.C. SYSTEM, INC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and I.C. SYSTEM, INC continues its collection efforts, I will file for litigation for actual damages caused and I.C. SYSTEM, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Transunion on XX/XX/XXXX. It took over 30 minutes to get someone on the phone. Once I was finally able to speak to a customer service representative. She was very short and unfriendly. With a heavy accent. She seemed to have had a problem with me asking her rather or not she was in the U.S. I actually had to explain to her 3 times the nature of my call. 

Next, I explained to her that I had 2 different amounts and collections for the same issue, that occured on the same date, over 7 years ago still appearing on my credit account. Somehow, they were able to set them 2 weeks apart and 2 different amounts. It has severally affected me for over 7 years. I explained that I called the court in which it occured over this past summer and they removed it from my record without me even having to appear. Also, XXXX  removed it, and after speaking with a rep from XXXX  yesterday she also, instantly deleted both records. The CSR rep. at Transunion went on to say, it doesn't matter what the courts or other bureaus has done. She does things differently and the account is from XX/XX/XXXX so it would fall off in XX/XX/XXXX. Then she changed it to XX/XX/XXXX. I asked her how is it that they others were capable to manually delete it, in good faith and she was not? She couldn't provide a answer. I asked to speak to a manager and i have now been placed on hold for literally over an 1 hour, in addition to the time it took for me to get her on the line, and the time I spent speaking with her. I'm convinced that she has not notified a supervisor. And just left me her to give up and hang up. But I will NOT! 

I am so tired of how tax paying, hard working and long suffering citizens are treated here. 

While I am on hold I am going to continue to submit complaints regarding this to every agency and forum I can. 

Also, I am taking a screenshot of the time I called, and wait time is on my automatic timer.

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 2017-12-02
Company: EQUIFAX, INC.
State: FL
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:
On XXXX, XXXX, XXXX, an account with XXXX XXXX with a collection agency of XXXX XXXX XXXX for the amount of {$190.00} was placed into collections on XXXX, XXXX, XXXX. Account was paid directly to XXXX XXXX on XXXX/XXXX/XXXX and was advised that a supervisor with XXXX XXXX had emailed the collection agency of XXXX XXXX XXXX to delete the account from my credit report. However, on XXXX/XXXX/XXXX, I was advised by the collection agency that no information was submitted from XXXX XXXX and that account will remain on my credit report until notification from XXXX XXXX stating account has been paid in full. I then requested for fax number to fax in proof of receipt provided by XXXX XXXX stating that account had been paid in full. At this time, I was informed by the male customer service rep that receipt would not be accepted due to not being provided from XXXX XXXX directly. On XXXX/XXXX/XXXX, I spoke with a supervior at XXXX XXXX who advised me that communication was previously sent on XXXX/XXXX/XXXX and that I will need to wait 4-5 business days for account be deleted with collection agency. I was advised to file a dispute with the collection agency due to account being reported incorrectly with XXXX. However, XXXX  states that collection account was verified as correct reporting as of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I spoke with XXXX XXXX XXXX and advised the represtative again that account has been paid in full to the original creditor. Rep again states that no information has been received from XXXX XXXX concerning account being paid, at which point I stated that I have proof from XXXX XXXX that account was paid in full on XXXX/XXXX/XXXX. Rep advised me to upload documentation to their website but now states that receipt has to verified by orginial creditor of XXXX XXXX and is refusing to delete account from my credit report, although, they have documentation that account has been paid in full. This is negatively impacting my credit and is delaying my purchasing of a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted Transunion countless of times and was not successful with getting erroneous bankruptcies removed. They have verified a bankruptcy as Mine when it is not mine at all. It needs to be removed asap. No other bureaus are reporting this to credit other than Transunion. I contacted the bankruptcy court as well and they stated that they do not report the records of the court to any credit bureau. Contacting a third party is not sufficient evidence as it can be erroneous and is a violation of the FCRA. I will be contacting my consumer attorney if this is not resolved immediately.

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 2019-04-04
Company: EQUIFAX, INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the attached itens in my credIt credit report have been xharged iff as bad debt. Under united states federal tax law it is fraud to collect any debt ( see attached ) that has been writtteb off on their federal taxes. Im simply asking equifax and XXXX to follow the law and remove these items from my credit teport. If not i will file a complaint in federal court that both comoapanies are engaging in fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello i have been trying to change my address with XXXX XXXX XXXX. Its a subsidary of equifax i was granted a free account for due to their security breach. I have tried doing it online and their servers are always down. I have tried calling them with no luck. I see it as i shouldnt owe them anything if they cant change my address. Also a company called XXXX XXXX who handles my student lonand wont liaten to me about debt forgiveness because my school was closed. Who do i owe money to if theyre closed due to a federal law suit? Idk. Fix it im XXXX. Had to start a life out of a recession when youre in debt before youre XXXX. XXXX achools and they college promises are XXXX. Fix my stuff please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: Lending Club Corp
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX. 
Lender.lending club Amount of loan : {$4000.00}. 
Date of loan : XX/XX/2019. 
Total amount paid : {$4800.00}. 
Final payment XXXX. 
I called lending club XXXX XXXX And told them that was my final payment. And they told me thst i still owe over {$1000.00}. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im asking transunion to follow federal tax law. The attached items have been charged off as bad debt and ot sold to other collections agencies for pennies on the dollar. In all 50 states it is a federal crime to collect or attempt to collect avdebt that has been wrotten off off on a corporate write off on their federal taxes. Im simply asking them to comoly with the law and remove this debt that doesnt exist from my ctedit 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 2017-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/XXXX, an account with XXXX XXXX with a collection agency of XXXX XXXX XXXX for the amount of {$190.00} was placed into collections on XX/XX/XXXX. Account was paid directly to XXXX XXXX on XX/XX/XXXX and was advised that a supervisor with XXXX   XXXX had emailed the collection agency of XXXX XXXX XXXX to delete the account from my credit report. However, on XX/XX/XXXX, I was advised by the collection agency that no information was submitted from XXXX   XXXX and that account will remain on my credit report until notification from XXXX XXXX stating account has been paid in full. I then requested for fax number to fax in proof of receipt provided by XXXX XXXX stating that account had been paid in full. At this time, I was informed by the male customer service rep that receipt would not be accepted due to not being provided from XXXX  XXXX directly. On XX/XX/XXXX, I spoke with a supervior at XXXX XXXX who advised me that communication was previously sent on XX/XX/XXXX and that I will need to wait 4-5 business days for account be deleted with collection agency. I was advised to file a dispute with the collection agency due to account being reported incorrectly with Transunion. However, Transunion states that collection account was verified as correct reporting as of XX/XX/XXXX. On XX/XX/XXXX, I spoke with XXXX XXXX XXXX and advised the represtative again that account has been paid in full to the original creditor. Rep again states that no information has been received from XXXX  XXXX concerning account being paid, at which point I stated that I have proof from XXXX  XXXX that account was paid in full on XX/XX/XXXX. Rep advised me to upload documentation to their website but now states that receipt has to verified by orginial creditor of XXXX XXXX and is refusing to delete account from my credit report, although, they have documentation that account has been paid in full. This is negatively impacting my credit and is delaying my purchasing of a home.

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 2020-05-06
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020 i sold XXXX XXXX XXXX  to a company I used Square to collect the funds after swiping the client card ( XXXX ) it said approved I elected the funds to be deposit 1 to 2 business day in to my business account associated with square. a day or 2 went by and notice that the money was not deposit into my account from square so i reach out to square and my bank. After talking to bank they did not see anything that was deposit into my account with the amount of {$1200.00} so me and the bank went to search other deposit and notice the only deposit that was made was the ones that was instant and charge a 1 % fee that connected to the debit card and not the bank account number but the ones that was suppose be deposited was not in the amount of {$41.00}, {$67.00} {$1200.00} square send me ach trace numbers that i gave to my bank and bank do not have this in there recored of deposit nor in my account ive reach out through email and no response from square at all since XX/XX/2020 all complaint been through email since it no one to talk to direct after they close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Navient Solutions, LLC.
State: TX
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 paid in full on one of my student loans ( Loan XXXX ) with Navient on XX/XX/2019and still have one outstanding loan ( Loan XXXX ) in the amount of. Navient has continuously deducted from my bank account the full payment amounts for both loans on XX/XX/2019 & XX/XX/2019. Navient takes the monthly payment amount of {$110.00}, of which {$87.00} was for the paid off loan, and holds it as a credit. The open loan gets its payment of {$24.00} amount applied to the interest and principal amount and continues to charge interest daily while holding my credited amount of {$87.00} for 30-60 days before reallocating it to the only open account left. I have had to contact them numerous times to correct this issue and to close out the paid in full account to stop this but have yet to resolve the issue. The paid off account is still open and Navient still deducts the monthly payment of {$87.00} and holds it while charging interest on the other loan instead of applying the payment to the final loan. This seems intentional since Navient can charge my interest on the open loan with a higher balance than applying the full credited payment to the loan, which would result in less interest charged. This is not right! I should be charging them interest for holding my credited balance and not applying it properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: EQUIFAX, 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:
( 103 true Identity theft ) Im a member of the equifax data breach & have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items XXXX  File Number Report Number XXXX XXXX  Report Number XXXX Equifax Block me from seeing my credit report but here 's the list of accounts XXXX  XXXX XXXX XXXX XX/XX/XXXX {$6300.00} ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX Account number XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX/XXXX  XXXX XXXX {$67000.00} XX/XX/XXXX ( XXXX ) XXXX XXXX  XXXX  XXXX   I recently found i was involved in the Equifax Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed that i have all these accounts on my credit file please help me with removing these items i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Byrider Franchising, LLC
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:
Company : XXXX Amount : {$10000.00} Dates : XX/XX/2015 Ive contacted this company multiple times and have expressed that this account was fraudulently opened in my name as I was across seas at the time. Ive submitted police reports on the matter and they are still reporting this fraudulent account to my credit file. It needs to be removed immediately! Attached is my police report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: EQUIFAX, INC.
State: VA
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 loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Continental Services Group, Inc. d/b/a ConServe
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, I reviewed my credit report that shows a collection that I never received a bill or notice to collect debt. 

On XX/XX/2019, I submitted a letter, certified mail, to Conserve collection agency disputing and requesting validation of this debt within 30 days. ( Letter is attached ) On XX/XX/2019 Conserve receive this letter. ( Certified Mail Receipt attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Sent several letters out to XXXX, XXXX and Transunion about not having the accounts verified through electronic verification and provide me with documentation showing the validity of these items. Two letters have already gone to XXXX, XXXX   and Transunion asking for personal verification and not electronic, and all 3 credit bureaus continue to verify it as correct through electronic verification. They did not contact the creditors personally, but did it though electronic verification after I requested that they do not use that form of verification and to verify my signature. They have failed to do this request. I do not have the correct account numbers since all they have is X and not the correct numbers. The bankruptcy is incorrect and they will only verify thought XXXX and not personally from the courts.

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 2018-07-06
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX claims this account was opened on XX/XX/2016 ( 1 yr, 7 mos ) - This is not accurate ; I've never used XXXX before in my life. This needs to be immediately removed from my credit report before I take appropriate action and exercise my rights in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: GREAT LAKES
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I renewed by XXXX in XXXX of 2018. Against my wishes and application, my loan servicing company ( Great Lakes ) placed me into PAYE. This caused me to acquired increased interest as none of the interest is subsidized. They have since rectified placing me into the wrong IBR plan, but the will not rectify the additional interest that accrued during this time. Additionally, now the interest has capitalized into my principal, which will cost me thousands by the time I am done with repayment. 

The first individual I spoke with at Great Lakes assured me that this was an error on their end, and it was no fault of my own. This seems to no longer be their story. 

The short detail of this is that my interest shouldn't have capitalized due to their mistake, and there is more interest than there should be, had they placed me into the repayment program I desired ( REPAYE ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Lending Club Corp
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:
lending club is reporting false and innaccurate date to my credit report. on my credit report they are appearing as a loan with late payments and a loan that needs repaid with a {$20000.00} balance. First of all I NEVER OPENED THIS LOAN IN XXXX. This is a FRUAD account that was opened by someone who stole my identity. I never recieved any money from lending club, I never applied for a loan with lending club and I am DEMANDING LENDING CLUB REMOVE THIS FRAUD ACCOUNT FROM MY CREDIT FILE IMMEDIATLY. I AM ALSO DEMANDING LENDING CLUB STOP REPORTING THIS TO THE CREDIT AGENCIES. REMOVE THIS ACCOUNT FROM MY NAME AND SOCIAL SECURITY NUMBER IMMEDIATLY.

Company response to consumer: Closed with explanation