BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-18
Company: URS Holding, LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2018 Letter to XXXX XXXX, XXXX XXXX XXXX - My client, XXXX XXXX, called me and told me to call XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX. My client said Why is a Collection Agency calling you at my business? GOOD QUESTION! 

XXXX Do you know that calling my client is a violation of Collection Agency Ethics? Please give my Invoice to your boss and have him/her/they process it as soon as possible. 

In XX/XX/2018, I wrote to XXXX XXXX XXXX, Chairman and CEO, XXXX XXXX XXXX and XXXX XXXX XXXX, CEO, XXXX XXXX instructing them to cancel my XXXX XXXX XXXX XXXX XXXX account after 50 years as a customer. I never received a response. 

Account XXXX is a FRAUDULENT account. I never opened an account ending in XXXX. My recurring payment to XXXX  was transferred to the FRAUDULENT account, which messed up my XXXX  account and will cause XXXX  to lose my business. My Credit Score has gone from XXXX to XXXX, all because of the FRAUDULENT activity of your client, XXXX XXXX. 

Enclosed find INVOICE XXXX XXXX XXXX, INVOICE XXXX Mr. XXXX XXXX XXXX and INVOICE XXXX XXXX XXXX XXXX. 

Thank you for your assistance in this matter, XXXX. I am sorry to see you caught in the middle. I am sure you want to treat me fairly. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This account was placed for collection on XX/XX/17 by XXXX XXXX XXXX. I've never been in business with this company so therefore I don't owe them anything. this company as reported on my credit that I owe them money which is incorrect and have ask for verification and all they return was a letter stating that the account was verified. sending a letter stating account is verified is not in anyway verifying an account according to the FAIR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX are reporting incorrectly a collection in the amount of {$600.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was working with the V.A. along with the apartment complex where I was residing. We were able to come to an agreement for payment, which I fulfilled. Unfortunately, shortly thereafter the apartment complex was sold and a new management company came on board and refused to work with the V.A. in any capacity and consequently I was asked to vacate the property. This collection from the apartment complex is false and should not be appearing on my credit report. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: LCO Financial Services, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan from Blue Trust Loans ( Hummingbird Funds, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2018. The rate is 754 % APR. I have paid {$2000.00} towards the original balance of {$700.00} over the course of 4 months. I was unaware that a loan like this is illegal in Arizona ( where I live ). Since this loan is illegal, and I have already repaid the loan and then some, I would like this loan to be voided and reported as paid in full.

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 2018-12-18
Company: Absolute Recovery Services, LLC
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: Account information incorrect

Complaint:
I have tried to dispute this account previously. I have no contract with this company. The company reporting the credit item and it has incorrect personal information. The company has the incorrect date of birth, social security number, and my name is misspelled. This company had two accounts on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: PA
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. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the 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 2020-09-22
Company: EQUIFAX, INC.
State: PA
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. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
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:
The listed accounts do not belong to me. I have filed an FTC complaint and I Have also written the companies. Someone is using my credit. I hired a private investigator and found out who and submitted that info to the authorities. 

XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX {$170.00} XXXX XXXX   {$700.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX The following inquiries are also the result of fraud. 
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 response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: AMERISAVE MORTGAGE CORPORATION
State: AK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I was working with AmeriSave with on a refinance, and after reading your report of XX/XX/2014 they are doing the same thing. They intentionally mislead me on every step of the process -low interest rate, closing fees, which changed during the process. I had to pay up front {$500.00} just to move forward with the process, they assured me that this would be a quick, and that I had plenty of equity in my house,, and that I had nothing to worry about. I started the process around XX/XX/XXXX and went back and forth with them until the loan was about to close on XX/XX/XXXX. I spoke with them several times ( every time I was sent new disclosure documents ) because I couldn't see how the numbers were adding up and how it would benefit my current mortgage amount. They assured me that I would be saving more than {$300.00} a month on my new mortgage, plus being able to write off the amount I spent in points on my taxes, skip a few payment ( they really dangled the carrot ), well when I got my final closing documents it was revealed ( only after I crunched more numbers ) less than a savings of {$27.00} dollars a month and would cost me over {$8000.00} in closing fees. The last phone call I had with them on the XX/XX/XXXX the lender agreed with me and said they missed looking at my initial mortgage amount and that YES this refinance doesn't make sense. I'm demanding that they refund my {$500.00}. This is just a brief description of what happened.

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 monetary relief
Consumer complaint received 2017-11-21
Company: Santander Consumer USA Holdings Inc.
State: NE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am asking you to have consideration of me, I had a work orientation but my condition is a little bad for this moment I am treating myself because my medical condition is not well ; I am having a lot of chest pains and I had problems in the past with my hearth and for that reason I cant continue with the orientation of the work because my health is first. 
I understand that it is my responsibility to comply with the car loan, it is my only transportation and I have frequent medical appointments, I am not refusing to pay. 
I 'm just asking you to remove all the late payments move it to the end of the loan, just defer all the late payments please to start everything without any problem in XXXX XXXX, since I had to make some mechanical work to the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had a car from XXXX XXXX and I got really sick and couldn't afford the car and I called the company and told them I couldn't make the payments anymore they told me to take the car back to the dealership and drop it off this was 2017 now they are calling me for XXXX dollars

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 2019-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Equifax and XXXX are reporting incorrectly a collection in the amount of {$600.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was working with the V.A. along with the apartment complex where I was residing. We were able to come to an agreement for payment, which I fulfilled. Unfortunately, shortly thereafter the apartment complex was sold and a new management company came on board and refused to work with the V.A. in any capacity and consequently I was asked to vacate the property. This collection from the apartment complex is false and should not be appearing on my credit report. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed. I have contacted the ( 2 ) bureaus to fix this however, I have not been successful.

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 2017-11-21
Company: EQUIFAX, INC.
State: DE
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:
Under the new law effective XXXX XXXX, 2017, any public record data must include name and address, along with SSN or DOB in order for it to appear indoor credit file. The Credit Bureau has not updated the information as per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: BB&T CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I called my personal banker and I asked her for 24 months bank statements on 3 accounts because I needed it for court. She said she wasn't in the office and couldn't do it but call the branch and see if they could. I called and XXXX said she would do it for me no problem. I said thank you and she did it. I picked them up and she told me her birthday was coming up. I asked her what she likes and she said scented candles. I came back 2 weeks later and gave her scented candles on her birthday. The next month I was surprised to see a {$170.00} service charge for each account. I also had 2 to 3 overdraft charges of {$36.00} each on each account because the service charges over drafted the accounts. I immediately called my banker XXXX XXXX and I asked what are these service charges. She told me that is what they charged to give me my bank statements. I told her that no one ever said they were going to charge me to provide this service. A charge was never mentioned because if it was, I would have said no! I asked for my money back as well as the fees and they are ignoring my request. I have called, text and emailed and I have been ignored! No response. The whole ordeal has cost me approximately {$580.00}! I want my money back. If you were going to charge me, you are suppose to disclose your charges and fees. No one said anything to me about a fee. They made it look like they were providing service like a bank should. I save you money by doing eStatements. The least you can do is print them if I ask you for them.

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 2017-11-27
Company: Experian Information Solutions Inc.
State: NY
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:
I just received yesterday 2 separate letters from experian credit reporting agency. I am uploading the letters. Experian states they will not re-investigate an account that is reporting on my credit report that does not belong on my report. I have submitted numerous disputes about this creditor. XXXX credit reporting agency finally has deleted this account off my credit report I dont know why experian and XXXX are not removing it but I am frustrated at the fact experian sends me these 2 letters with 2 different report numbers. It is my right to dispute any information that does not belong on my credit report that is incorrect.

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 2018-12-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the 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 explanation
Consumer complaint received 2019-09-27
Company: EQUIFAX, 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 was a added as a authorized signer to a existing XXXX XXXX XXXX credit card, I never signed anything in writing, electronically, or by any other method agreeing to be responsible or to pay and debts. The card holder later filed bankruptcy to which I was not a party too, and the credit card default was added to my credit file. I disputed the reporting with the credit bureau and explained that I had to signed anything or agreed to anything with the credit card company, I received a answer just stating the account was found to be valid. I mailed a letter requesting to be provided proof of my liability which went unanswered. I dont have any files to upload simply because I never applied for the card, received a statement for the card, or had any dealings of any kind with XXXX XXXX XXXX concerning the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
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:
XXXX and Transunion are reporting incorrectly ( 120 ) days late on XXXX - partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 8-11 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-08-21
Company: Experian Information Solutions 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:
This is not a Third Party. I am requesting that the following accounts be removed. These are fraud, I didnt benefit, apply for, and authorize these accounts. 
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX   XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX N is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Experian and XXXX   credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2019-09-27
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Funding, LLC is garnishing my wages for a debt that was closed out for fraud. They didn't even buy the debt so that means that they obtained the information illegally. The original creditor confirmed that the debt was never sold to them. They are suing me in court and now they are playing two courts against the other to string this situation along. They have made unauthorized withdrawals from my bank account and I never even gave them my bank account information. They have hired people to steal information from the dark web to hold irrelevant matters against me. They lied to the judge claiming that they incurred fees from dealing with my employer for garnishing my wages so they could get awarded more money. They falsified evidence and presented it to judge so they can get a default judgment. They even forged my signature on some agreement that I've never even seen before and they stole my identity to create other fraudulent accounts. 

They sent a judgment for rule that was NOT signed by a judge to my employer and when my employer told them that they couldn't add on the garnishment without the signature, XXXX XXXX threatened to sue my employer if they didn't put the garnishment on. They don't even serve you court documents and they talk the sheriff into falsifying information on the return. They also made racist remarks toward me. 

Complaining to their staff members doesn't work. They just ignore all issues and they never return phone calls or letters. I am pressing charges against these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX has sent letters for foreclosure on our home for money not owed put it on our credit Charging fees we dont owe.they took over servicing our loan XX/XX/2019 problems from first billing statement till now. I have requested every call recorded to 25 different people iv spoke to, they say Ill talk to my manger.iv requested to speak to manager but never able to till XXXX of this year and after talking to manager problem still not rectified. This problem is preventing us from refinancing while rates are low Our loan # XXXX thank you for your help 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