BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-14
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Plus Four Inc, made a statement as their reason for reporting and claiming the wrong amount that showed a partial payment was made on the account reporting. This statement was false and the original amount claimed was an attempt by the collection company to indicate that I made a partial payment and now has amount remaining. This is a fraudulent tactic to justify the claim. The company also adding interest on claim that was not a loan or direct service from the company for profit. This is illegal tactic showing a higher amount and reporting a partial payment from that amount that never took place.

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 2018-05-02
Company: Lending Club Corp
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In the prior CFPB complaint ( XXXX ) in which I requested a validation of this account - the company Lending Club provided me with a ( 1 ) page  document ; which is attached, giving me only their snapshot of accounting and said the original creditor was named XXXX, and they closed the CFPB complaint without relief. The 1 page document they provided did not even list a contact person or phone number at Lending Club, or XXXX, and made the following outrageous claim that they were supplying me with " Other included items are written agreements and amendments, if any, payment transaction history, supporting documents, and if applicable, certain disclosures evidencing the existence of the above referenced loan number ''. You can take a look at that case number and clearly see they have sent me no such supporting documents, statements, signatures, etc that they say they sent. When I call Lending Club they have no clue how to help me, they said the debt was sold to XXXX XXXX XXXX. They are reporting my account as a charge off on all ( 3 ) credit bureaus as well! So many FCRA rules being broken and damaging me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am applying for a consumer ( home equity loan ) and my lender is unable to obtain my credit report or scores. I have tried to remove any " freeze '' on my credit reports but the reporting agencies reflect I do not have a " freeze '' in place.

PROBLEM : I can not remove a freeze nor can the lender access my credit report.

I have made the loan application and have three days to resolve the access issues.

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 2018-08-22
Company: Experian Information Solutions 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 applied for an auto loan in XX/XX/2017. I was given a high rate. I noticed 2 separate credit cards that i never opened. When i contacted both in writing, they failed to submit any documentation supporting that i signed any application, copy of my identification. I disputed with all 3 credit agencies, they failed to investigate. Stating the company paid for a block on my report to report anyway they like. They ignore. State they investigated but never submit any documentation according to the FCRA

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 2018-08-22
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 applied for an auto loan in XX/XX/2017. I was given a high rate. I noticed 2 separate credit cards that i never opened. When i contacted both in writing, they failed to submit any documentation supporting that i signed any application, copy of my identification. I disputed with all 3 credit agencies, they failed to investigate. Stating the company paid for a block on my report to report anyway they like. They ignore. State they investigated but never submit any documentation according to the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13
Company: EOS Holdings, 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: Old information reappears or never goes away

Complaint:
I called to get everything off my credit but they keep putting it back up there and Im trying to better my credit so I can buy a house and make a better life for my kids

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: AES/PHEAA
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was on XXXX last year and because I didn't file 'Married but separate ', they denied me XXXX. So now I'm stuck paying {$610.00} just to see if I qualify for other repayment plans. They won't even tell me unless I make that ridiculous payment. I can not afford that payment since I already pay another private student loan. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: Trident Asset Management, L.L.C.
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: Old information reappears or never goes away

Complaint:
Trident Asset Management / XXXX XXXX XXXX In reference to account # XXXX The above collection company has parked and re-aged information that is inconsistent with the original date of delinquency onto my credit report this is a willful violation of the Fair Credit Reporting Act. It is required by the FCRA to provide relevant and accurate documentation to the CRA 's. This is a malicious willful act that is defamatory to my reputation and has caused harm to me and my family. Re-aging debt is an illegal debt collection practice. The statue of limitation from the original date has passed. Texas is 4 years. They need to remove this information from all CRA 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Trident Asset Management, L.L.C.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wife closed the XXXX account under my name and opened a new account under her 's to obtain a discount. XXXX closed the account in late XX/XX/XXXXearlyXX/XX/XXXX without a balance due. My wife ( XXXX ) contacted XXXX ( 1st debt collector ) on XX/XX/XXXX via mail to dispute the claim of {$530.00} and didn't receive an answer. She call XXXX on many dates to have them tell her the same thing- there isn't anything owed and the account shouldn't have gone to collections. Again on XX/XX/XXXX after another review of my credit report she spoke to the Credit Reporting Department at XXXX ( XXXX ) who repeated there isn't any money due, this should never have gone to collections and she would help to remove the negative item from the report with Trident Asset Management, LLC. XXXX was given a control # and said it will be removed in 30-60 days. XXXX also sent a XXXX balance notice as proof. XXXX then mailed all documentation to Trident onXX/XX/XXXXand still has not heard back from the company AND the item is STILL showing up on my credit report. XXXX called Trident 15 times today ( XX/XX/XXXX ) and couldn't get through ( either automated system kept looping or phone wouldn't ring ) and once she did she got through as caller # 1 in the queue she was hung up on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: EQUIFAX, INC.
State: SC
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:
The following inquiries are not recognized by me nor have I requested services, obtained services, or opened any accounts from the following creditors. I'VE ASKED THAT THEY VERIFIED PROPERLY BY PRESENTING MY IDENTIFICATION AND SIGNATURE OR REMOVED IMMEDIATELY AND I HAVEN'T HAD ANY SUCCESS. XXXX XXXX XX/XX/XXXXXXXX XXXX   XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX   XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Bread Financial Holdings, Inc.
State: AR
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:
There was a childrens place card and credit card that is not mines however birthday is wrong.I had identity thieft couple years ago

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-14
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Experian Information Solutions Inc.
State: SC
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:
The following inquiries are not recognized by me nor have I requested services, obtained services, or opened any accounts from the following creditors. I'VE ASKED THAT THEY VERIFIED PROPERLY BY PRESENTING MY IDENTIFICATION AND SIGNATURE OR REMOVED IMMEDIATELY AND I HAVEN'T HAD ANY SUCCESS. XXXX XXXXXX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX   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 non-monetary relief
Consumer complaint received 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The following inquiries are not recognized by me nor have I requested services, obtained services, or opened any accounts from the following creditors. I'VE ASKED THAT THEY VERIFIED PROPERLY BY PRESENTING MY IDENTIFICATION AND SIGNATURE OR REMOVED IMMEDIATELY AND I HAVEN'T HAD ANY SUCCESS.

XXXX XXXX  XX/XX/XXXXXXXX XXXX   XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX   XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  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 2020-08-21
Company: MONEY SOURCE, INC., THE
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company failed to apply my payment to my account. Instead of paying my monthly due they applied it towards an interest payment only -without my consent- and then applied late fee All Insurance Payment Principal Only Download 2020 Due Date Date Received Principal Interest Fees/Costs Escrow Suspense Payment Amount XX/XX/2020 XX/XX/2020 {$0.00} {$0.00} {$0.00} {$0.00} {$1300.00} {$0.00} XX/XX/2020 XX/XX/2020 XXXX {$1300.00} ) {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/2020 XX/XX/2020 {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/2020 XX/XX/2020 {$0.00} {$0.00} {$0.00} {$0.00} {$660.00} {$0.00} XX/XX/2020 XX/XX/2020 {$0.00} {$0.00} {$0.00} {$0.00} {$660.00} {$660.00} XX/XX/2020 XX/XX/2020 {$0.00} {$0.00} {$0.00} {$0.00} {$660.00} {$660.00} XX/XX/2020 XX/XX/2020 XXXX {$660.00} ) {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/2020 XX/XX/2020 {$660.00} {$0.00} {$0.00} {$0.00} ( {$660.00} ) {$0.00} XX/XX/2020 XX/XX/2020 {$1300.00} {$0.00} {$0.00} {$0.00} {$0.00} {$1300.00} XX/XX/2020 XX/XX/2020 {$660.00} {$0.00} {$0.00} {$0.00} ( {$660.00} ) {$0.00} XX/XX/2020 XX/XX/2020 {$660.00} {$0.00} {$0.00} {$0.00} ( {$660.00} ) {$0.00} XX/XX/2020 XX/XX/2020 {$0.00} {$0.00} {$0.00} {$2600.00} ( {$2600.00} ) {$0.00} s to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: ZARVAD III S.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Company gave me a payday loan in the amount of {$950.00}. I have paid a total of {$1100.00} which includes interest that I was illegally charged. I missed one payment and was trying to work out a payment plan. In the course of trying to contact them, I discovered this company has no license to do business in California ; further I received correspondence from this company stating they do business from 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 2018-05-02
Company: Kriya Capital, LLC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX has sold a debt collection account for an alleged {$120.00} outstanding balance owing from a XX/XX/XXXX cancellation of a XXXX account for my son, but for whom I was the accountholder of record. XXXX, their successors and assigns, absolutely refuse to verify that this is a legitimate debt. XXXX refused to talk to me when I inquired about the debt, since it had been sold to XXXX XXXX XXXX of XXXX, AL. XXXX reported this alleged outstanding debt to the 3 credit reporting agencies, significantly damaging my credit score. I attempted to contact XXXX regarding this debt, they also refused to discuss it, since they had re-sold it to the XXXX XXXX XXXX XXXX XXXX XXXX, also of XXXX, AL. I advised them that I wanted confirmation of the debt from XXXX, which they failed to provide before reselling this alleged debt yet again to Credence Resource Management of XXXX, TX, who also reported it a 2nd time to the 3 credit reporting agencies in XX/XX/XXXX, dropping my credit score yet again. I notified Credence that I was challenging the debt, and provided credit card statements showing payments to XXXX in XX/XX/XXXX and XX/XX/XXXX that should have cleared the outstanding balance. They advised they would contact XXXX for verification of the debt, which to date has not been received. In my opinion, XXXX is in wilful violation of the Fair Debt Collection Practices Act. They are engaged in disreputable credit collection practices in violation of the Act and willfully refuse to provide confirmation of the debt or address it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
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:
Hello i went to the bank to get a home loan and when my credit was pulled i noticed many fraudulent accounts. this is stoping me from obtaining a home and obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. i submitted the documents on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
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: Old information reappears or never goes away

Complaint:
Equifax seems to have mingled my information with someone else 's or could be another problem. There was an item on my report that I have disputed but I can not sign in to check on the status for the last five months. Everytime I try to sign on to Equifax online they say the info does not match their records even though I know it is correct. I can see through XXXX XXXX   that they are still saying I have an account in collection even though I do not. I disputed over the phone but can not get a live person to help check the status of the dispute and I can not see my information on the Equifax site because it will not let me sign in. I did tell them three times, once in XX/XX/XXXX, once in XX/XX/XXXX and once in XX/XX/XXXX that the site was not letting me sign in and either blocking me altogether or asking about laons I have never had but never actually letting me in. They have promised to send something in the mail and I have still not received anything and they still have an item as in collection although I have none. I can't reach anyone to help or follow up and they keep sending me in circles while my credit score suffers. This has been goin on since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX , Company Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: Netspend Corporation
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I had on multiple occasions sent emails, calls etc to Netspend that was allowing people not myself to open accounts These people rented on my name hotels cars etc and didnt return or had charges on them and was never me I had no k owledgw

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 2020-07-27
Company: Nelnet, Inc.
State: NY
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:
In XX/XX/2018 I had a third party company that works with Nelnet named XXXX XXXX  XXXX call me. There employee by the name of XXXX XXXX Told me if I make {$200.00} and change in payments for 5months my student  loans will be dropped from {$11000.00} to {$5000.00}. He said I was eligible for the forgiveness program. I payed up to {$1600.00} and change to this company only for it all to be a scam.

Company response to consumer: Closed with explanation