BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-18
Company: Schrier, Tolin and Wagman, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
case number XXXX the paperwork about the Garnishment was not sent to my current address in XXXX XXXX. XXXX   instead it was sent to my brother XXXX in XXXX  XXXX. I moved from XXXX   XXXX in XXXX. The credit card debt is from XXXX when I lived in XXXX XXXX . I moved from XXXX XXXX In XXXX they had placed a judgement on me in XXXX  XXXX in XXXX. I assume there is a deadline for being able to collect. In my Last paycheck from XXXX my employer The Garnishment amount is the full 25 % they can collect. I would like to claim the Homestead exemption of {$5000.00} ( 34-4, Code of Virginia  ) since I do not have any assets. I have medical bills for a long term condition that i can go into more detail I live in an XXXX XXXX XXXXXXXX XXXX  it is a housing for people in XXXX. The full garnishment is a burden

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 2020-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I have reached out to the following credit bureaus, XXXX XXXX   and Transunion to dispute the Hard Inquiries on my credit profile that I did not approve and had no knowledge. The items below was unauthorized and was asked to be removed from each credit report and the credit bureaus failed to provide any evidence that these inquiries were accurate and have not removed the items. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX   Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/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 2020-05-22
Company: EQUIFAX, 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:
I am in receipt of an email dated XX/XX/2020, from Equifax with a letter dated XX/XX/2020. The email is regarding the decision and denial of a dispute for an alleged debt to XXXX XXXX, a company I have never done business with, for {$170.00}. 

I have reason to believe I do not owe this debt as I have no knowledge of it. After repeatedly disputing this with Equifax they continue to deny my request to have it removed from my credit report. In accordance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act the original alleged debtor XXXX XXXX XXXX and the collection agency XXXX XXXX were supposed to provide me all of the following information by mail to my Ohio residence : 1. In writing the amount of the alleged debt and the alleged services rendered ; 2. In writing the full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4.  Documentation showing they are licensed to collect debts in Ohio. 

To this date none of this information has ever been mailed or provided to me in anyway so that I may properly address the alleged debt. Nothing has ever been mailed to my residence address in the state of Ohio where I have resided for the past 3 years. 
As to the creditor class on Equifaxs credit report that this is a medical/healthcare alleged debt this also does not make sense. I have always maintained health insurance and have no outstanding medical bills. Without the proper proof, including what alleged services were rendered and what the billed amounts are specifically for, I can not confirm or address any information that is being claimed. This alleged debt has been placed on my credit report without giving me the proper law provided time and required documentation to investigate and respond to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Experian Information Solutions Inc.
State: MI
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 Credit bureau has been reporting 14 collection accounts to all the credit bureau after several debt validation disputes. The disputes were performed by three credit repairs services and myself. I have never received any information regarding this debt ; the only response is this company wrote in the remarks " Consumer disputes this account information '' but I have never received any correspondence or proof from this company. There are two entries for XX/XX/XXXX and twelve entries XX/XX/XXXX. I have no idea what these charges are and the volume of these entries on my credit reports are concerning.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-12
Company: Experian Information Solutions Inc.
State: PA
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:
I have reached out to the following credit bureaus, Experian, XXXX   and XXXX to dispute the Hard Inquiries on my credit profile that I did not approve and had no knowledge. The items below was unauthorized and was asked to be removed from each credit report and the credit bureaus failed to provide any evidence that these inquiries were accurate and have not removed the items. 

XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX   Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/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 2017-08-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account at the end of XXXX 2017 under a promotion where if I had 2 direct deposits from my employer of {$300.00} or more I was to receive {$200.00} within 120 days of account opening. The website also mentioned that if I applied online this promotion would automatically be applied. I met the terms of the promotion within several weeks from my paycheck, I work for the XXXX XXXX and allotted {$300.00} per paycheck to this account. The 120 days has came and went with no bonus. I called the bank and after waiting a half hour on hold, they told me to keep waiting and if I met the terms it will eventually show up. That response was open ended and ambiguous, and just plain unacceptable. I certainly believe I met the terms of the promotion and the bank has not kept its end of the deal.

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 2020-09-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The balance on this account is false and should be removed entirely. The creditor owed a credit to me the consumer for payment they received. Instead of apply the credit to any outstanding balance owed. The creditor kept the credit and falsely charged me, the consumer, with an incorrect charge to my credit 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 2017-09-18
Company: BARCLAYS BANK DELAWARE
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:
On XXXX XXXX, 2017 I applied for credit line increase on my Barclays credit card ending XXXX. The same day Barclays determined that since there was no recent activity on my card I am not eligible to even apply for credit line increase. This decision was not based on my credit. 
However, afterwards Barclays made a hard inquiry against my credit anyway and needlessly -- since my credit was not involved in their decision which was based exclusively on my account not being active.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contracted XXXX XXXX  owned by XXXX XXXX. Her and XXXX who claimed was her assis XXXX   took on the case. I hired because I suspected my partner/future fianc was acting out of the ordinary. 

I deposited via XXXX 750-1000 approx. for retainer. 
THe only service I authorized and wasn't made aware of the charge ( {$300.00} ) was phone trace to identify who my ex had spoke to at work. 

I was charged for countless services, unauthorized, not quoted amts. 
There was agreement that I had to authorize via email to proceed with anything. 
I asked numerously for invoice, XXXX and XXXX disregarded never sent. 

At end I was charged approx. {$5000.00} not including retainer for a phone trace. 
I enclosed email communication. 

Also evidence XXXX XXXX threatened to break confidentiality if I disputed with credit card co.. This illegal. I included copy of email. 

I tried coming to solution, they wouldn't have it. With XXXX  I sent them via fax the emails. THey didn't reimburse me. 

This was XXXX. 

Just recently my father called me told me that he received court order from Midland Funding in AZ to garnish wages for {$16000.00}. THey purch debt from XXXX XXXX- XXXX and XXXX her husband I just found out, added interest and original amount XXXX collected from XXXX XXXX 

I researched both parties. XXXX and XXXX are in multiple lawsuits, been in jail, drug charges, XXXX instigates husbands to cheat to get evidence for clients, has her daughters as well. XXXX lies like he's only an employee, when is husband. 

Midland funding also multiple lawsuits for frivolous lawsuits and being investigated by the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: NCB Management Services Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed the charges on my credit report and advised this company in writing to provide me with a debt validation letter and this has not been done. I contacted the original creditor who stated that they would remove these items which they did and indicated my record would be updated with this collection agency as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
filed a report with FTC for identity theft contacted credit reporting agencies and reported fraud XXXX XXXXXXXX, transunion fraud alerts and security freezes added to credit reports disputes, personal identifiers, and FTC report mailed to credit reporting agencies they refuse to remove inaccurate information by using stall tactics

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 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$590.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$590.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2021-02-02
Company: EQUIFAX, 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:
hello and to whom this may concern. hi! my name is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. SSN:XXXX and i have contacted Equifax countless times and the creditor and cant seem to have them remove this unauthorized credit card off my report, its a cat and mouse game as they keep telling me to call one another back and i'm sick of it! being a XXXX survivor and losing half of my XXXX i feel like i have enough stress in my life other than some simple unauthorized credit card data removal which is part of Equifax issue of not helping me! Equifax customer service is being NO HELP in this situation and i even find myself being hung up on sometimes its becoming ridiculous! Now when i give them a call back all i do is get a busy signal and i can never get in touch with them! i am now writing to you guys for the formal complaint because i'm hearing you can help me! i will list the Account below which are part of the unauthorized account on my file shown on my credit report which is holding me back from my credit goals etc. i am hoping you can guys can help me out here! look forward from hearing from you guys thank you!! i've read the FCRA countless times and i know my rights, Equifax is not helping at all and this is not fair, legally they can't do this to me and they are honestly NO HELP!! here is the unauthorized account as follows XXXX XXXX XXXX with account number XXXX opened on XX/XX/2014 I look forward to hearing from you or seeing a resolution of this being removed from my credit report asap thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I rent a house for XXXX in a bad condition on XX/XX/XXXX, the owner told me that he was going to fix the house, but he never did. I called the board of health, and they inspected the house, On XX/XX/XXXX, the house was uninhabitable. He had to fix the house but instead he took me to court, because he didnt do anything about it I stopped paying him the rent. It was my right to not pay the rent and not get evicted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
4 months ago I set up an account with Experian with the goal of paying for a single month for service both myself and my wife. The agreement was to pay XXXX for each account until I cancelled it by phone. After the first month expired I contacted the customer service number numerous times and have failed miserably. I have wasted no less than 10 hours on the phone trying to get to representative to no avail. In the mean time Experian has charged me the XXXX x 2 each month for the past 4 months. I would love to speak to a customer service rep, in order to cancel this fraudulent service and recoup my hard earned monies with the exception of the 1st month for which I have agreed.

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 2019-02-19
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I am attaching a former complaint about Santander -complaint # XXXX. I called CFPB on XX/XX/XXXX to find out Santander 's response. I was not given a deadline to get this information back to you  by the person I spoke with on the phone. I have been ill and had XXXX  work done since the above referenced date. I am sending you the documents Santander requested. I am hoping you can forward them to Santander or send me a fax number or email the documents need to be sent to. You also need to know that we had to have our payment taken out by XXXX XXXX /XXXX  as a condition to be eligible to receive the loan from Santander . My husband is XXXX and I work at a XXXX XXXX XXXX. I have to work overtime to make ends meet as it is.I also have never been able to log in and check on my complaint even after I asked the person I spoke with on XX/XX/XXXX to reset my password. This is why I am submitting the information requested in this manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-07
Company: EQUIFAX, INC.
State: CO
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:
They have not updated my credit score correctly to reflect considerable credit card changes, the most recent was paying off a XXXX XXXX XXXX XXXX card and closing it. Equifax are not doing their part to show a correct score when they should improve, but are immediately at lowering a score if they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, I contacted XXXX XXXX XXXX  via regarding the accuracy of the charged-of account that they're reporting to the Transunion and XXXX. 
More specifically, my concern is : 1.This account is only reporting charge-offs in my payment history from XX/XX/XXXX to XX/XX/XXXX. 2. All my good payments history has been deleted from XXXX up until this account was charged off in XXXX. 3 XXXX is reporting a charged off in XXXX and XXXX, Transunion is not. 4 I made a payment in XXXX, so XXXX shouldn't show a charge off in XXXX. 5 How can there be only charge offs reporting but no 30, 60, 90 day lates?? 6 XXXX is reporting a removal date of this account XX/XX/XXXX and Transunion is reporting a removal date on XX/XX/XXXX. This is confusing, there can only be one removal date. 7 The date of first delinquency is not reporting. This account is incomplete, inaccurate and unfair therefore it must be deleted. 
Also, I asked for validation and verification under the FCRA to insure the accuracy of this account and was denied by XXXX XXXX XXXX  for this information which is a violation under the FRCA and th FDCA. See Creditor response letter to verification request.

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 2020-09-08
Company: Consumer Portfolio Services, 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:
I have a car loan with consumer portfolio, and have made over 55 payments and due to the virus. My payment was do on XXXX XXXX I made it on XX/XX/XXXX because I was just getting back to work, I work at a XXXX XXXX which that position is only a 9 month position.My credit score was XXXX and they reported to the credit company 's that is was late and they drop my score from XXXX to XXXX. I do not think that this is fair. What can i do about this. 
Thanks

Company response to consumer: Closed with explanation