BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-03
Company: MARINER FINANCE, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Mariner Finance LLC filed suit against me on XX/XX/XXXX for a collection debt I owed. 

Collection debt owed and requested in lawsuit was XXXX. 

Default judgment was entered XX/XX/XXXX. 

Garnishment motion was filed at 25 % of my disposable income. This order was granted XX/XX/XXXX with the awarded amount equaling XXXX XXXX garnished wage taken out of payroll check occurred XX/XX/XXXX in the amount of XXXX. 

Last garnished wage taken out of payroll check occurred XX/XX/XXXX in the amount of XXXX. 

Total wages garnished by Mariner Finance LLC for calendar year XXXX as documented on employer paystub equals XXXX. 

Outstanding fees still being reported by Mariner Finance LLC on all 3 of my credit reports in the amount of XXXX. 

XXXX paid by me, directly, to Mariner Finance LLC on XX/XX/XXXX. 

All 3 credit report updated with information received by Mariner Finance LLC on XX/XX/XXXX stating Mariner Finance has reported positive activity : Account Paid Total paid to Mariner Finance LLC equals XXXX. 

MOTION FOR PROCEEDINGS SUPPLEMENTAL AND ISSUANCE OF INTERROGATORIES Filed by Mariner Finance LLC on XX/XX/XXXX seeking payment amount in the form of garnished wages by employer in the amount of XXXX. 

NOTICE OF GARNISHMENT SUMMONS - ORDER TO ANSWER INTERROGATORIES, NOTICE OF HEARING AND INTERROGATORIES filed by by Mariner Finance LLC on XX/XX/XXXX seeking additional unknown/undisclosed origination amount of XXXX. 

ORDER TO APPEAR TELEPHONICALLY TO INDIVIDUAL JUDGMENT DEFENDANT Filed by Mariner Finance LLC filed XX/XX/XXXX. 



As you can see by the time line stated above, this case was decided in XXXX of XXXX and wages were garnished as dictated by court ordered default judgement. Garnished wages in the amount of XXXX were paid to Mariner Finance LLC. Balance listed on all 3 credit reports in the amount of XXXX was paid by personal debit card directly to Mariner Finance LLC before additional lawsuit was filed. Mariner Finance LLC reported to all 3 credit bureaus that my originally opened, and only account opened with Mariner Finance LLC was paid in full on XX/XX/XXXX. Mariner finance LLCs legal team is still, as of XX/XX/XXXX, sending harassing correspondence by mail requesting additional unsubstantiated funds and remedies that have already been paid decided and reported as paid in full. Company is suspected of retaliating against disputed items on credit report that were filed by me on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: Experian Information Solutions Inc.
State: LA
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:
I have made several contacts with Experian concerning my credit report update and score. Each time I have to request a new confirmation number. I have been unsuccessful in reaching out to them concerning my credit score over the last week which has not increased since clearance of debt on my account. Apparently it is remains in the lowest 600 or high 500 while the ratings from XXXX and XXXX  are now in the upper 700! I spoke with both XXXX and XXXX to verify after receiving a XXXX score from XXXX XXXX which was a combination of all 3 scores verifies that Experian has not updated my credit score. There are no liens, later payments excessive debt on my account to warrant such a low outlandish score!

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 2018-09-26
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I purchased an engagement and wedding rings from XXXX XXXX and financed through XXXX XXXXXXXX XXXX. It was not made clear how much the interest would be charged if not paid within the promotional time frame. I had not been receiving paper statements nor could I access the XXXX XXXX online account for months. I would always make the payments every month but then was alarmed that my balance went from slightly over {$3000.00} to almost 8,000. The original amount financed on this card was {$8000.00} and I had paid it down to {$3000.00}, but was recently charged over {$3600.00} in interest. I called as soon as I could and spoke to a manager, XXXX who mentioned that if I could pay off the {$3800.00} principal balance that they could possibly look at waiving the interest charged with a dispute letter. I paid the principal only to find out today that I will still have to pay the full amount of interests of {$3500.00} and will accrue interest every month upon interest charged despite me paying the principal balance. It took everything I had to pay the principal amount and after so much loss from Hurricane Harvey it's been tough to get on our feet again. The Over {$3000.00} in interest charges on an account that only had {$3000.00} remaining balance is exesive and a scam. Not to mention that I never received any communication or statements regarding where I stood with the account. I ask that XXXX XXXX XXXX refund at least the majority of the interest charges and also state they have no right to continue charging interest charged when the principal balance has already been paid off. The most recent manager I  spoke to did not want to assist in any way and said there was nothing that could be done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31
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: Account information incorrect

Complaint:
Transunion continues to report incorrect and illegal information on my consumer report. I have been trying to get this information corrected and they refuse to make the corrections. I have again sent a certified letter to Transunion with Exhibits highlighting the personal information and the accounts that are all reflecting incorrect reporting. They have been tarnishing my reputation and hindering me and my credit worthiness. This false reporting has been causing me undue hardship as I have not been able to successfully obtain a vehicle and affordable domicile. It is their grave responsibility by law to report correct information on a consumer 's report and also do their due diligence in verifying the information that is being reported to them from creditors before even reporting anything on a consumer 's report. Had this been done, most of these accounts would not have been reported to being with. There are multiple accounts that are have inconsistent information being reported across all 3 credit reporting agencies including personal info, account numbers, open date, closed dates, amount owed, payment history. I have attached the documents to this complaint that have been notarized and certified mailed to Transunion.

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 2023-02-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am asking for experian to remove all accounts on behalf and also {$1000.00} for each violation on my credit report! I was denied a mortgage due to late payments being published on my behalf and also the inaccuracies on my credit report! Experian is furnishing late payments and also accounts that are fradulent! I did not give written consent by law it is illegal! Also XXXX is a debt collector that has no factual info of me opening this account! Experian continues to violate my consumer rights! Also they have several addresses I asked for them to remove that they did not remove.

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 2021-03-03
Company: Amsher Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was initially contacted via a phone call in early XXXX. When I answered, the lady asked if this was ( she addressed me by my name ) and I responded, " it is '' and then she said, is your date of birth, XX-XX-XXXX, and I shared that I do not give out that information over the phone to someone randomly calling me. She shared she was calling about a debt, but could not share any information unless I provided my date of birth and again I shared that I would not provide that information. She then became rude and ended the call. The next day I received another call, this time it was a man and he said they were attempting to collect a debt and I shared that I did not have any outstanding debts and asked that they not call me again. Neither caller identified where they were calling from nor what debt they were calling about. Shortly thereafter, I received a collection notice in the mail from XXXX XXXX XXXX XXXX XXXX XXXX and the document reflected the creditor as XXXX and the amount due was {$100.00}. I ignored the mailing because prior to XX/XX/2020 I never had an account with XXXX I switched from XXXX XXXX XXXX ( I had been an XXXX XXXX XXXX  customer for XXXX years ) to XXXX on XX/XX/2020, so I did not call AmSher because I knew they were attempting to collect money that I did not owe. Fast forward to Friday, XX/XX/XXXX, I received an email indicating that a new account had been added to my credit report, so I immediately signed in to check my credit report and saw that there was a collection from AmSher. On Monday, XX/XX/XXXX, I submitted a dispute to XXXX XXXX and XXXX and XXXX has already removed the collection from my account. These companies should not be allowed to harrass people via phone calls, mail and they should not be able to report false accounts to credit reporting companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: Choice Recovery, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On Monday, XX/XX/2018 a phone call was placed to Choice Recovery inquiring on statement dated XX/XX/2018 with a total balance due in the amount of {$190.00} for a XXXX XXXX XXXX and to advise that the amount showing on the statement was paid directly to XXXX XXXX 's office and that they should contact XXXX XXXX 's office to verify payment. The representative from Choice Recovery demanded my medical insurance information for verification purposes in which I refused to divulge that information as Choice Recovery is a third party I had no relation with. I was then advised that if payment was not received the account would be placed as a collection in my credit bureau file. Choice refused to verify payment with XXXX XXXX 's office

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2018-09-26
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:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.

I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.

So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please update my information to it correct, and obtain either, verbal or hand written verification directly from a person at that.

Please delete/remove the following accounts 1.XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX XXXX   6.XXXX XXXX I have no idea where these accounts are from I was a victim of ID Theft. I am not sure if they are still using my name or not.

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 2023-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
A checking account was opened in my name without my knowledge or consent. I called to close the account on XX/XX/XXXX. Today on XX/XX/XXXX I am still getting a bank statement. Ive called again and they have told me the account is closed. Ive asked since that is the case, I should no longer be receiving statements or correspondence on account thats closed.

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 2022-08-07
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:
I have tried 2 times to have Experian investigate my claims for inaccurate information. XX/XX/2022 I sent a certified letter of my complaint and I didnt receive any response. I sent another certified letter that was delivered on XX/XX/2022 and again no response. I have waited longer than the legal 30 days for Experian to respond to my claims. Under FCRA they now need to delete/update all accounts I have in questioned.

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 2023-02-17
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received 6 calls on Monday XX/XX/2023 and on Tuesday XX/XX/2023 I received 7 calls from Tower loans in XXXX XXXX XXXX I told XXXX the branch manager i would be in there on XX/XX/2023 to make a payment. She then threaten me with legal action if I didn't have a payment in by XX/XX/2023. She also left messages with this same threat. She was also calling my place of employment which i travel and never at that location.

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 2018-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX

3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. 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 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$12000.00}, {$2700.00}, {$4500.00}, {$2500.00}, {$7900.00}, {$0.00}, {$41000.00}, {$39000.00}, {$4000.00}, {$18000.00}, {$4900.00}, {$6100.00}, {$9900.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

5. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

6. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

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

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$41000.00} -This is not my account. 

9.  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- PERSONAL LOAN 11. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

13. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

14. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -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 2020-09-11
Company: Comerica
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened my Comerica checking account ( number XXXX ) in hopes of consolidating my funds at a central bank. However, my account was frozen. I called and spoke to XXXX and went to the XXXX XXXX XXXX branch on XXXX XXXX. My account was subsequently closed after visiting the branch by Comerica.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions 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:
I have attempted to dispute Experian 's reporting of XXXX XXXX XXXX accounts as recently as XX/XX/XXXX with Experian repeatedly refusing to open the FCRA dispute. XXXX XXXX XXXX is reporting the wrong amounts and wrong dates to Experian by their own admission to Consumer Finance Protection Bureau ( please see attached ) in ongoing efforts to extend the duration of irreparable to my credit report and rating score. The accounts were open in XXXX and XXXX respectively but are noted as XXXX. I do not have a contract with XXXX XXXX XXXX and these accounts are not in an open status. Experian should immediately delete the false and inaccurate reports being nade by XXXX XXXX XXXX. Experian should appropriately reage my credit score. Also, I am victim of a natural disaster and Experian has refused to update the report as such. 

XXXX XXXX XXXX statement on XX/XX/XXXX. 
" Business records provided to us by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. ( XXXX XXXX ) reflect that on or about XX/XX/XXXX, XXXX XXXX opened a MasterCard credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in XXXX. Those records further reflect that a contract was formed when the account was used and that a balance of {$460.00} was due on the account when we purchased that account and its contract from XXXX XXXX on or about XX/XX/XXXX, together with the right to receive payment of the balance due. XXXX sent its initial notification letter regarding this account to you on or about XX/XX/XXXX, XXXX Business records also provided to us by XXXX XXXX reflect that on or about XX/XX/XXXX, XXXX XXXX opened a MasterCard credit card account ending in XXXX for XXXX XXXX XXXX whose social security number ends in 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 2020-05-25
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX XXXX XXXX has my private information which is fraud! And IDENTITY Theft! and has sold it off to a third party named RENT RECOVERY SOLUTIONS.. 

They are using my social security number to send information out saying I have a debt which is IDENTITY THEFT! MY PRIVATE INFORMATION HAS BEEN SOLD AND monetized.. as well as mail fraud my name is not spelled in all capital letters they have broken countless laws and need to face suit ... FRAUD, MAIL FRAUD, BLACKmail, identify theft. Etc. None without my written expressed consistent. 
All unlawful. I am requesting that rent recovery solutions delete said debt ... Contract legal and send me funds for Fraudulent claims and IDENTITY THEFT!

Company response to consumer: Closed with explanation