BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-04
Company: EQUIFAX, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
A XXXX XXXX XXXX XXXX XXXX XXXX was closed on XX/XX/2017. This card had a maximum line of {$500.00} and was closed " due to delinquency of payment ''. The statements were, in the months before closure, being mailed to my daughter 's address in Utah, where she had moved to attend school. While there she became XXXX and admitted for an extended period of time. Because of this unfortunate event, the statements apparently went unheeded as she lived alone. As the statements were being sent to a different address than mine ( in the XXXX area ), I was unaware of the issue. 

After a period of non-payment, I was finally notified of the delinquency by a member of the XXXX XXXX 's Collection team, whereupon I IMMEDIATELY visited our local branch in XXXX, IL and discussed this with my personal banker. He and I then contacted the XXXX XXXX credit card department and discovered that the card was in fact closed with an outstanding balance including late fees coming to a total of {$480.00}. I IMMEDIATELY authorized a payment over the phone to satisfy the outstanding balance and all fees. As a co-signee I feel the bank had an obligation to let ME know the account was overdo BEFORE the card was closed and before this situation was reported. 

As a result of this situation my credit rating has gone from close to XXXX down to the low XXXX 's and I feel that I should not be so penalized. Expediency in this matter is important because I am currently in the process of attempting to procure pre-approval for a new home mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-04
Company: Credit Bureau of Jonesboro, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection agency is named XXXX XXXX  XXXX. The original creditor is XXXX XXXX XXXX. I have no knowledge of this debt and have tried repeatedly to contact the collection agency and never got a response back. The date this was supposedly opened was XX/XX/2011

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/2018 I received a call from One Main requesting a payment. I was driving and asked the representative if I could call back and she continued to talk. I was trying to pay attention to the road and she continued to harass me and would not hang up. I had to hang up on her. It appears she locked my account so I can not make a partial payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: American Coradius International LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Contacted me 4 times in one day after I explained I have given the case over to a lawyer that is handling the case. The XXXX is collecting a debt for XXXX as a last bill. I was not aware that this amount was owed as the store employee told me at the time there was nothing owed on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have paid {$500.00} toward my principal only payment to Ally finance and every time I make a payment they do not put it on principal only. I have contacted them by phone every time I have paid and told them this is for principal ONLY and they will not put it toward principal. They say they are and they do not. 

Payments made for principal XX/XX/2019 ... ... ... ... ... {$100.00} XX/XX/2019 ... ... ... ... ... {$150.00} XX/XX/2019 ... ... ... ... .... {$50.00} XX/XX/2019 ... ... ... ... .... {$200.00} I think they are taking advantage of an XXXX  woman.

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 2020-05-14
Company: Paypal Holdings, Inc
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
XXXX XXXX AKA PayPal Paycheck Protrection Program loan Underwriting Team on behalf of XXXX XXXX XXXX XXXX XXXX, UT discriminated against me by using a credit score as a basis for the SBA 's Paycheck Protection Program. I had no disqualifying factors for the PPP loan : I was not suspended by any Federal agency from participating : I have not defaulted on an SBA loan in the past ; and I was not presently incarcerated, on probation or parole, or subject to arraignment or an indictment for any criminal charges ; and I did not have a felony on record within the last 5 years. 

LOAN BUILDER AKA PayPal Paycheck Protrection Program loan Underwriting Team on behalf of XXXX XXXX XXXX XXXX XXXX, UT also did not process my PPP loan request ; because ; it said I did not supply sufficient payroll information. 

This could not be further from the truth ; as as XXXX XXXX   XXXX, I have no employees but I provided my government-issued ID, bank statements, Form XXXX Schedule C, and XXXX for services rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have asked the company to notify me in writing about the loan. Over the course of the vehicle loan, the company would resort to calling third parties or individuals with the same last name in cities located outside of where I live. 

I wrote them to ask them to stop this practice and eventually believed that the aforementioned collection practice ceased. 

I have a landline set up for the purpose of using internet services. I also asked the company to communicate with me through the United State Postal Services. I received no billing statements from them for approximately a year XX/XX/XXXX. They wrote with an apology to say that it was an error due to their system. 

The vehicle loan was taken out approximately 5 years ago. I am currently employed seasonally. During the winter my work hours are reduced or are totally cut because I am considered an adjunct staff. 

I was 2 full months behind on the vehicle loan and have since paid the 2 months arrearage on XX/XX/XXXX The lender has demanded that I pay {$980.00} by XX/XX/XXXX including late fees in the amount of {$240.00} I paid {$740.00} cash on XX/XX/XXXX at a local banking retail center. The amount of {$370.00} was due on XX/XX/XXXX. I will be able to pay the XX/XX/XXXX and next payment of {$370.00} by XX/XX/XXXX The lender forwarded a NOTICE OF DEFAULT AND REQUIREMENT OF STRICT COMPLIANCE letter dated XX/XX/XXXX I received said letter on XX/XX/XXXX after XXXX XXXX. 

The vehicle loan 's maturity date is XX/XX/XXXX Due to the approximate 1 year, I have left to pay on the vehicle loan and my current seasonal employment status which has changed since the life of the loan, I respectfully ask that the lender not enforce strict compliance in amounts not currently due.I am also asking that the lender accept current and all future payments so that I may satisfy the vehicle loan by said date of maturity. 

Pursuit of sections 805, 807, 808 all that would apply under the Consumer Financial Protection Bureau ( CRPB ) I am not in agreement with the lender 's threat to enforce repossession of the vehicle/ collateral or threat of legal action for any amounts due. 

I believe that I have given the lender a chance to correct the communication errors that have occurred during the lifetime of the loan. 

I ask that the lender offer a fair chance to me as the consumer and customer to bring the loan to a payment status that is satisfactory including past due amounts and any amounts that have become due before the payment deadline. 

I am therefore asking that the Consumer Financial Protection Bureau advise me of my rights and responsibilies as a consumer in order that I may bring resolution to this matter of business in a fair and respectful manner.

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 2017-12-14
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 've responded to NCB Management Services Inc every time a letter has been sent to me. I have never done business or signed up for any credit with XXXX XXXX XXXX XXXX. I 've requested proof such as a signed agreement, payments made, credit received, etc so it could be forwarded to law enforcement, but have yet to receive anything but more letters demanding payment for # XXXX. I ask that they stop contacting me and remove this account from my personal credit report as it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Because of the Experian Site hack I had to freeze my information. I put the password in the safe. Now I need a XXXX and I need to get a loan. The safe will NOT open. I can not get a credit report to get the loan no one can get them even the company trying to get the credit report! 
I have tried to call ALL the numbers on the experian site the menus do nothing but run you in circles you can not get a live person to talk to to verify you are who you say you are. This was caused by them and they can not answer their phones. 
I say they are profiting from the consumers and they need to make themselves readily available for the public they serve not just make the money and forget the personal service! 

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Indiana XXXX Home phone : XXXX cell 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 2017-08-03
Company: URS Holding, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX 2017 - I WAS TOLD THAT I ONLY OWED {$580.00} FROM THE ORIGINAL CREDITOR, BUT THE COLLECTION COMPANY STATED I OWED {$1200.00} WITHOUT SUBMITTING AN INVOICE OR STATEMENT NOTIFICATION INDICATING NEITHER FINANCE CHARGES/FEES OR WHY THE AMOUNT FROM THE ORIGINAL CREDITOR IS SO VASTLY DIFFERENT. ON XXXX XXXX 2017 - I CONTACTED THE ORIGINAL CREDITOR WHO STATED MY NEW BALANCE AT {$480.00} AND THE COLLECTION COMPANY INDICATING A {$1200.00} BALANCE. ALL OF THE CREDIT BUREAU ( XXXX XXXX, XXXX, AND XXXX ) ARE REPORTING THE AMOUNT STATED BY THE ORIGINAL CREDITOR. I CAN SUBMIT COPIES OF THE DISPUTED INFORMATION AND CREDIT REPORTS IF NEEDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
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: Public record information inaccurate

Complaint:
XXXX, XXXX, and Equifax agencies has been advised by my disputing Inaccurate information on my credit report Bankruptcy XXXX XXXX XXXX TN XXXX XXXX. File dates, XX/XX/XXXX dismissed XXXX, File date XX/XX/XXXX dismissed XXXX. I have submitted documentation from the US Bankruptcy Court in XXXX, TN stating that they do not report to ANY CREDIT REPORTING AGENCIES OR THIRD PARTIES. PLEASE DELETE. Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third party source such as XXXX or XXXX XXXX.ALL 3 Credit Agencies have not removed this information nor provided me a Method of Verification. I have disputed the Bankruptcy inaccuracy 's in XXXX, XXXX, and XX/XX/XXXX. And it is remains on my credit report as of XX/XX/XXXX. Experian has XXXX accounts the same XXXX XXXX XXXX Account Number XXXX, Date Opened XX/XX/XXXX, StatusChapter XXXX Bankruptcy Dismissed.Status Updated XX/XX/XXXX, Original Balance {$430.00} Account Name XXXX XXXX XXXX Account Number XXXX, Date Opened XX/XX/XXXX, Status Paid, Closed/Never late. Status Updated XX/XX/XXXX Original Balance, {$430.00} Chapter XXXX bankruptcy dismissed Two different date opened dates, no information that has my dob, ssn, or original signature documentation. These items I have disputed since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT DURING THE XXXX DATA BREACH AND DID  NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS FOR THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY 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 2018-10-04
Company: EQUIFAX, 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 am filing this complaint because the credit bureaus Equifax and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. They are simply responding to my disputes as " verified '' without proper documentation. Under section 611 ( S ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified '' that I have disputed. They are NOT to just simply call a company and mimic on my credit report, what is said to them over their phone without proper documentation and/or proof that I have had business with them. They also MUST send me proof of documentation ( if any ) as well and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: EQUIFAX, INC.
State: NJ
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've been attempting to dispute fraudulent accounts with the bureaus since XX/XX/XXXX when they were first brought to my attention. I mailed out the first letters, which USPS tracking showed were delivered on XX/XX/XXXX, requesting the fraud accounts to be investigated and removed if found to be fraud. I received no response, so 35 days later, I sent another letter which was delivered on XX/XX/XXXX. Another 35 days and I still received no updates and the items were still showing on my report. This was troubling. So I sent additional letters, giving the bureaus time due to COVID. The letters were delivered on XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. To date, I have received no updates, the accounts are still showing on my report and my lawyer is getting antsy to sue. This is my last option for the bureaus to remove the false accounts before I take up my lawyer 's offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
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 am a victim of identity Theft. I did not Authorize these Accounts

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 2020-11-24
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon checking my credit report, I noticed there was a collection account on my XXXX  file from I.C.System INC. I never received any notification from this company advising of a debt that I owed. The company just placed the collection account on my XXXX  file without notifying me of the debt prior to.

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 2018-07-11
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: Old information reappears or never goes away

Complaint:
XXXX  and Equifax credit bureaus have an outdated " hard '' credit inquiry listed on my credit reports that is over 2 years old. 

The inquiry is from XXXX XXXX XXXX on XX/XX/2016. 

Under the terms of the FCRA ( Fair Credit Reporting Act ), passed by Congress, a credit bureau must delete all credit inquiries that are over 2 years old. 
In addition, the credit bureau must send the consumer an updated credit report, via USPS first class mail, showing that the outdated inquiries have been removed. 

I have contacted these 2 credit bureaus to have them comply with the FCRA rules, but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
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 was looked at my credit report and they are showing inaccurate incorrect information when it comes to my name address and date of birth and phone numbers. I tried disputing it on the 3 bureaus website but they blocked me from doing it.

Make sure to update my correct name and update my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: AES/PHEAA
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Contacted XXXX XXXX XXXX via mail, the first time, on XX/XX/XXXX, to make arrangements to settle the account in exchange for the original instrument of indebtedness in its original form. They received the letter according to return receipt, on XX/XX/XXXX, but no response. Sent a second request for removal of inaccurate information on XX/XX/XXXX. They received the letter according to return receipt, on XX/XX/XXXX, but no response. Sent a third request on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: CL Holdings LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called Jefferson Capital regarding a collection on my credit report. The only option was for me to call another collection agency. I called the other number and spoke to a lady. I asked her about the debt. I wanted proof and verification that this is in fact my debt. She asked me to verify my info and email. She told me that she would send me the info via email. Then she ask me if I could make an arrangement to pay for the debt. The debt is {$9900.00}. She was willing to settle it for $ XXXX and in 30 days remove it from my credit BUT she would need to contact Jefferson Capital to verify if they would allow the settlement. I said ok. She said she would call me back. I NEVER heard from her again. This was on XX/XX/XXXX. I called back the next day and it went to a man 's voicemail. So I called with my sons phone and spoke to another lady. She stated I should definitely hear back from the company on Monday XX/XX/XXXX. I have yet to receive any email nor any call. This is affecting my credit score and it really is unfair that a company is reporting on my report yet allowing a different company to collect the debt. As a consumer I feel afraid I will get scammed out of my money in this instance because I can't be certain that they will keep their word. Especially from this experience so far.

Company response to consumer: Closed with explanation