BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 requested proof of the debt within 30 days and received no response and in addition the alleged debt is over 10 years old and they failed to remove the items from my credit report even though my wages has been garnished for over 10 years and no missed garnishments. THIS 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 2023-05-16
Company: Experian Information Solutions Inc.
State: TX
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 filed a identity FTC report because i found inaccurate accounts on my credit report and nobody is helping me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Experian Information Solutions Inc.
State: NV
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 Experian 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  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 2019-02-28
Company: EQUIFAX, INC.
State: NV
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 XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV FUNDING LLC never received any communication by mail from them. They are violating my rights by posting a negative account on my credit reports. I am actively working with the local police department as there has been identity theft that led to fraud on various credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Halsted Financial Services, LLC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX 2019, I received a collection letter from Halsted Financial Services , LLC . The letter indicates that my account has been placed by XXXX XXXX, XXXX with agency for collections. The outstanding balance is {$310.00}. The original creditor is XXXX XXXX XXXX AND the current creditor to whom the debt is owed by XXXX XXXX, XXXX. 

This is a fraud because i have never applied any loan with the XXXX XXXX XXXX nor do I have a knowledge about the company. Someone stole my identiy to apply for the loan. It's also noted that I have never received any written notification in regards to the loan or statement from the XXXX XXXX XXXX. I just certainly received a collection letter on XX/XX/XXXX/19. The XXXX XXXX, XXXX has already reported my on the XXXX  agency and it has already effected my FICO score. 
I also filed a fraud report with a local Police department. I disputed a debt to the XXXX XXXX XXXX company and contacted XXXX  to dispute the collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX claiming I owe {$36.00} to XXXX XXXX XXXX company. On XX/XX/XXXX I called the debt collector and made them aware that I never signed to renew a renters insurance. That in XXXX of the prior year I paid in full for a year insurance policy and it expired the end of XXXX, without me signing up for a new policy. The rep from XXXX told me I had made a payment of around {$140.00} of XXXX of this year. To make an Argument that I renewed. I made It clear I didnt do any such thing. And requested prove of debt. 
On XXXX the XXXX of XXXX I called and spoke with an XXXX agent @ XXXX  XXXX XXXX who managed this insurance for XXXX XXXX and let her know about the issue. She said my card that was on file was automatically billed in XXXX and the bank declined it. I made it clear that I did not want to reinstall as she wanted me to that I did not renew. 
On XX/XX/XXXX I received from XXXX what was supposed to be prove of debt. What I received was a bill for {$36.00}. I call CCS credit collection at around XXXX XXXX to try to explain that I need prove of debt. That I can write a bill right now and send it to whoever I want it doesnt make it a debt owed. I asked for papers showing consent to automatically renew my policy or papers showing that signed to renew my policy.which would prove debt. She argued with me stating the bill is all the prove they need to continue collections. Then hung up on me. 
I would like to be clear that I never even knew that XXXX XXXX  billed my card in XXXX until I received my collection notice!!! 
A collection shows up on my credit report. To be sent to collections without prior notice is immoral. To continue to be collected on without proving any prove other than XXXXXXXX XXXX  says I owe it is illegal as far as I know. 
What XXXX  and XXXX XXXX are doing in my opinion are forcing people to pay debts without prove of debt to save their credit. 
This {$36.00} will be probably be paid by me to save further damage to my report. And will probably cause massive time and effort to remove what may have already been placed on my credit. No matter the amount of debt a person has the right to see actual prove of debt before being taken to a collection agency and after being taken to one it is no longer that they deserve it, it is the law to proved prove of debt before forcing people to pay it, or ruining their credit. 

XXXX XXXX phone XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: EQUIFAX, 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:
So I applied for a business loan about a week ago and I was told that I did not get approved but I didn't know why then today XX/XX/20 I got a letter saying that the reason I was not approved for the loan was because there were some accounts with negative history ; I had no idea what accounts they could be talking about so I looked through my credit report and I saw three accounts and some inquiries that aren't mine. I don't know why these accounts and inquiries are on my report or who they belong to but I did not give anyone permission to open these accounts in my name. I did not open any of those accounts and I have never had any contract or agreement with the companies I listed on this report. I did not make payments towards any of these account balances nor did I benefit anything as a result of these accounts that were opened in my name. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Convergent Resources, 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:
XXXX keeps verifying and verifying and verifying on a derogatory remark that I DO NOT OWE.. XXXX and XXXX already removed it but it keeps coming back verified with no signature or legal documents on XXXX. Ive sent them 3 letters asking them for verification purposes biding my signature XXXX, XXXX and XX/XX/XXXX. All they say is verified without any legal documents or no proof. Its gotten to the point where its affecting my daily life because an apartment complex is reporting is me to a credit bureau on a lease Ive never signed. Also my very last letter I sent on XX/XX/XXXX they never contacted me back in writing. Theres also 1 more item on my report thats theyre giving me problems with thats unverifiable. The amount of both deragtory marks are {$2700.00} - for the apartment lease I never signed and {$150.00} that I have no clue about.

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 2019-02-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Ive been paying XXXX a month for probably 8 years now, for Wells Fargo XXXX XXXX XXXX ( could be wrong on the name ), signed up for it when I opened my account not really thinking anything of it, except it was probably good to have. Called a week ago to cancel the service/payment, was informed by a Wells Fargo customer service employee that the Credit reporting service has been disbanded years ago! So Wells Fargo knowing the service that they insisted I get, ceased to continue they still withdrew XXXX $ a month from me. The woman I spoke to could not give me a date when the service stopped but she insured me its been a while, years. So Wells Fargo was actually stealing from me correct? How can they allow my payments to come out knowing the service stopped without ever once sending me an email or phone call, anything. I have hundreds of dollars I feel I should be back paid. 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 non-monetary relief
Consumer complaint received 2023-05-15
Company: Paramount GR Holdings, LLC
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 was told needed to pay monthly payments on my mothers loan who passed in XXXX at the age of XXXX. They had her sign a 20 year contract. Thinking she would live another 20 years! They have threatened legal action. I asked for the contract that was signed. It was all in XXXX. They wont give me a translation one in English. My mother cant read in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, My name is, XXXX XXXX, This is for account number ; XXXX I had spoken with a translator regarding a suspension of check payment that was scheduled on XX/XX/XXXX & it was confirmed with the representative that the suspension was a success. However, that information of confirmation was incorrect due to the fact that the payment had been taken out, I have severely been financially penalized due to the COVID-19 pandemic & was unfortunately unable to have the payment taken out on the date given. I had given a call to the manager of the branch I usually go to & I was told that refund of my funds are not available. I find it very unprofessional that I was told the suspension would be a success & disappointing that the promise made to me was a dissembling fib. Im very affected by this action & I need this money returned to me. This was issued on XX/XX/XXXX in the amount of XXXX. I also need to dispute another check for the amount of XXXX. That one has not been sent out yet but I need that check suspended as well. I look forward to receiving your response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX repeatedly and deliberately put profits ahead of its borrowers it engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back, and placed an unfair burden on people trying to improve their lives through education

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: Experian Information Solutions Inc.
State: MI
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:
This is starting to get very upsetting. XXXX XXXX XXXX has erroneously stated that an account from XX/XX/XXXX is included in a bankruptcy that does not exist!!!! My bankruptcy was discharged in XX/XX/XXXX before I ever even HAD a XXXX XXXX account. This company has brought my score down 29 points because of this erroneous reporting on my XXXX and XXXX credit reports. I ask that this account be removed from my credit reports 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 2018-04-23
Company: General Motors Financial Company, Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
On XX/XX/2018 I Purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX. They packed GAP insurance in the contract after I advised them four times that I didn't want it. The GAP insurance was purchased through XXXX. I contacted XXXX and cancelled the coverage several days after purchasing the car.

On XX/XX/2018 I called XXXX  to see where my refund was and they informed me that they sent an electronic payment/refund to XXXX XXXX XXXX on XX/XX/2018. I called the dealer that same day and I was told that they overlooked processing my refund and that they would process that refund immediately. Their accounting office said that they would send a check to GM Financial. That was almost three ago and I am being informed today by GM Financial that they haven't received a check yet from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, 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:
My information was part of the XXXX and Experian data breach. My information was compromised. I have taken the necessary steps to put a lock/freeze on my credit report to prevent this form happening again. I have several hard inquires from companies that I didn't apply for credit nor authorize them to so. I have tried to reach out to the companies along with the credit bureaus to try to get these inquires removed and have had no success. Some of these same inquires were also on my wife credit report. An have been removed from her report. This is affecting my credit score as well as my well as my ability to apply for credit now or in the future due to too many inquires. I makes me look like a high risk. Also I have to keep a certain imagine up due to certain security clearances for my job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There is a fraudulent item on my credit report. I had an account with XXXX. It was satisfied and cancelled. Somehow two collection agencies have gotten a hold of my account information and are asking for a payment not owed. One was removed XXXX XXXX. 

XXXX XXXX is still being reported on my credit report. I submitted an online dispute, but the item is still listed on my account. It is lowering my score and making me unable to get credit. This is causing damages and needs to be removed.

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 2018-04-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, 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:
My information was part of the Equifax and XXXX data breach. My information was compromised. I have taken the necessary steps to put a lock/freeze on my credit report to prevent this form happening again. I have several hard inquires from companies that I didn't apply for credit nor authorize them to so. I have tried to reach out to the companies along with the credit bureaus to try to get these inquires removed and have had no success. Some of these same inquires were also on my wife credit report. An have been removed from her report. This is affecting my credit score as well as my well as my ability to apply for credit now or in the future due to too many inquires. I makes me look like a high risk. Also I have to keep a certain imagine up due to certain security clearances for my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
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:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

Credit collection acc # XXXX I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: NV
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX 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 2019-02-28
Company: NRA Group, LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection agency is claiming I owe {$560.00} for an account with XXXX XXXX XXXX fro an account in NJ yet I've lived in Delaware for the past 18 years. I asked for copies of the application or a copy of the any records or recordings they have regarding phone calls, etc. and they've refused to provide them. I sent a letter disputing the debt along with a copy of a police report from a few years ago where someone filed tax returns and open accounts in my name yet they continually claim they don't receive them. The woman XXXX  is a NASTY NASTY woman and refuses to remove this from my credit report. They have NEVER sent any letters to me nor EVER provided any documentation from the alleged creditor. They are asking me to do their job and verify I don't owe it yet the burden of proof is on them to prove it IS owed ... which it isn't! They refused to provide any DOS 's ( dates of service ), and are asking that I go file a police report and take time out of my busy schedule to fix their mistakes. XXXX XXXX of National Recovery owes me {>= $1,000,000} for an unpaid services and he has never disputed the DOS despite me sending him letters. Now I would like XXXX  to go file a police report that he doesn't owe me the money. Until then, I will start reporting the debt to the credit bureaus as I have found his social security information online.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation