BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-15
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: Information belongs to someone else

Complaint:
I 've contacted Experian to delete an account from my credit file because the it 's not my account and the collection company (   XXXX   XXXX   ) {$290.00} refused to provide validation of the debt or delete the debt from Experian because they are n't requiring much for validation. I 've already filed a complaint against   XXXX   XXXX   debt with CFPB and they 've deleted the debt from my  XXXX  and  XXXX  credit file because they did n't provide the validatity. The reason I 'm filing against Experian is that if the company ca n't provide me with proof of the debt with original documents, how are they providing validation to Experian other than responding yes to questions asked. It 's been over 60 days since my request from the collection company. I 've asked the company for specific validation such as original agreement with my signature and the agreement between the collection company and the original creditor and bill with charges and interest. And no cooperation.

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 2017-07-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit and happened to see a major error on my credit report. I 've sent in 3 certified letters to all  XXXX  credit bureaus. Incorrect inaccurate, errored information that these credit bureaus are reporting. I 've asked the companies to show me verification of any documents or verify my signature and they have failed to do so several times and they continue to verify an account that has nothing to do with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX OF MO XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX OF AM XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX OF AM ) 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 2015-07-18
Company: ERC
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a few accounts that it was n't even me. On XXXX account and XXXX, my phones were stolen and i was locked up in prison at that time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
RE : Lawsuit Deceptive and unfair, since the Statute of limitations period in FL is 4 to 6 years. 

A certified letter was sent on XX/XX/XXXX without response ( XXXX ) I did not receive any notice regarding this dispute of this debit. 

I was living in XXXX State from XX/XX/XXXX to XX/XX/XXXX Then I moved back to 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 2017-02-03
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This charge from XXXX was never supposed to be added to my account. I have spent 6 months getting XXXX to remove this charge and clear my balance to {$0.00}. I was told the charge was removed from my account over 5 months ago. I have been released from this erroneous charge. They guaranteed me that this would never be an issue on my credit report, as I pride myself with keeping a very high credit score. Someone needs to get through to this company and confirm the charge was removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-07-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My husband had filed for bankruptcy back in  XXXX  of 2011. His bankruptcy was discharged in   XXXX   of 2011 which I have documents for. All of his debt were on credit cards and he was a primary on the   XXXX   XXXX   credit card and I was the secondary. His balance was forgiven and this still shows up on my credit report when it should not and is affecting my credit score significantly. I spoke to   XXXX   XXXX   XXXX    personal banker near my house whom I know and after a day of reviewing it with the branch manager they concluded this does not show up their banking system and no payment is necessary. The balance is around  2,200 doll ars and was forgiven due to my husband filing for Chapter  XXXX  bankruptcy. Can you please have the  XXXX  credit bureau 's take this off my credit report so if does no have an effect on my score? THANK YOU.

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 2022-01-03
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Santander repo my vehicle unlawfully and illegally. this Corporation is also harming my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: DISCOVER BANK
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:
Discover Ban k Personal Loan w as paid in full on  XXXX   XXXX ,  2017 . The bank has failed to report to the Credit Bureaus that the loan is paid. The Credit Bureaus still show an outstanding balance of {$4000.00}. I have contacted the Discover Bank more than  two  months ago by telephone. They said to give it time to show on Credit Report. I have a confirmation by email from Discover Bank showing balance paid in full on  XXXX   XXXX ,  2017 . I attempted to file an online dispute with  XXXX   XXXX  and it came back as " automated failed attempt. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Sometime between XX/XX/XXXX and XX/XX/2015, Citizens Bank switched our checking account from Circle Checking to Premier Checking without our knowledge or authorization. The new type of account has a monthly fee, so Citizens Bank assessed a $ XXXX monthly fee from our account. I called " XXXX '' at XXXX who assured me that he would rebate the money and switch us back. He rebated the {$25.00} but the next month, Citizens Bank assessed the {$25.00} fee and we were still in Premier Checking. I called XXXX again, and again he promised to remove the fee and switch us back. Even he called this practice " unacceptable. '' I want something in writing to confirm this and say it will NEVER happen again. I also want to file charges that the bank attempted to steal our money. This is not the first time Citizens Bank has stolen money from us. Citizens Bank took our $ XXXX insurance check from XXXX XXXX and deposited it into an escrow account and denied us access to it. Our mortgage agreement with XXXX did not allow this practice. We had to refinance our loan with XXXX XXXX in order to get that money back. During that process, Citizens Bank broke the PA State Law by denying us a written payoff amount, thus thwarting our attempt to refinance with another bank. We had to threaten our local branch with criminal charges in order to get the payoff amount. I want to know why Citizens Bank is allowed to flagrantly break the law, steal money from its customers, and change its policies arbitrarily. Please tell me that you will police this bank and enforce the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I sent a validation letter and cease and desist to Portfolio Recovery Associates, LLC that was delivered on   XXXX   XXXX  , 2017 at   XXXX   XXXX  . I then received a call from them demanding payment on   XXXX   XXXX   2017 at  XXXX . After telling the lady on the phone that I had sent a letter to stop calling she claimed they did not receive it and continued to demand payment. I stated that the letter was sent certified mail and you should stop calling. She then said " You have to submit a request in writing to stop the calls. '' I refused to speak to them any longer and hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-15
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Navient did n't let me enrolled  into an Income Repayment Plan  because it kept informing me to put my loans in Forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Sometime in mid-  XXXX   2017, I disputed an account for   XXXX   XXXX    that was listed on my Equifax Credit Report in the amount of {$1600.00}. The item was disputed and I later received confirmation through  XXXX , a credit monitoring service, that this item was removed from my Equifax Credit report. Sometime around   XXXX   XXXX  , 2017, the same item was attached back to my credit report without my receiving 5 days notice from Equifax ahead of placing the debt back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: MS
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 recently disputed the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with the CRA Experian. Experian verified these accounts and sent me my results via email, which I did not ask them to. I requested method of procedure in regards to the XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX accounts. As of XX/XX/2022, I have not received those results. Experian opened up another dispute instead of sending the requested information. There is no indication of dispute comment noted on any of these accounts as of XX/XX/2022. Experian has violated my consumer rights. Experian has violated 1681c ( f ) and 1681i ( 6 ) ( B ) ( iii ) of 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 2016-02-23
Company: Big Picture Loans, LLC
State: MN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I borrowed {$600.00} from Castle pay day and they specifaclly told me that my pay off balance will be {$750.00} ithis compamy have collected more that twice the amount i borrowed from withdrawing from my account only for them to tell me i still owe {$750.00} and some more finance charges.How can this be legal in the united states.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: Big Picture Loans, LLC
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I applied for the loan, however, luckily I did n't accept it. I tried contacting them via telephone and a gentleman answered took all of my identification information like my social security, date of birth, address, he said for identification purposes, which made me fee uncomfortable but I figured it was party of the process and as soon as I have all my personal information he acted like he could n't hear me on the phone any longer and hung up. I called again and customer rep that answered listened to me explain how I felt uncomfortable that they asked for all my personal information and hung up on me, and then this one hung up as well. I called a third time & when the rep answered I told them u wanted to cancel my application and as soon as I said it they hung up the phone on me again. I just feel like they may be trying to steal my identity with the information they took down from me and feel like they are just there to scam people. I did research on this company and it just so happens that I read that they were previously castle loans or something where they 've scammed a lot of people. Can you guys please make sure that they do n't do something illegal with my personal information. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
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: Information belongs to someone else

Complaint:
I 've contacted Experian and the collection company   XXXX   XXXX   about a debt that does n't belong to me. I 've filed a previous complaint against both companies because I requested Experian to do a thorough investigation of the verification. I also asked   XXXX   XXXX   to validate the debt and initially after months I received no response but when they did send documents, it provided an address that was n't mine and  XXXX  different conflicting balances and the amount exceeding the credit limit by double! They provided a   XXXX   XXXX   that I 've already disputed on my credit file that 's not mine and someone just recently tried a month ago to obtain credit using the same  XXXX  to obtain a credit card from  XXXX . I was alerted through email by a credit monitoring company.
This is my second complaint and want it documented before I pursue legal action against Experian and the collection agency.
The other  XXXX  bureaus have already deleted this account of my file.

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 2017-07-15
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan of {$1000.00} with Big Picture Loans on   XXXX   XXXX  , 2017. I could not access my online account so I called one of their representatives to obtain my login information. She instructed me to use my email address and social security number as my login information which I did while on the phone with her. Once I logged in, I was able to see the payment terms and schedule ( which was extremely high and usury ) and told her I did not want the loan. She said that it was fine and to call them if I changed my mind. On   XXXX   XXXX  , 2017 Big Picture Loans deposited {$1000.00} into my account. I immediately contacted them using their support email address and informed them that i did not approve the loan and to reverse it and take the money out of my account. After not seeing the money removed, or obtaining a reponse, I contacted them by phone and went through an arduous process of verfication, two calls to my bank, before they agreed to remove the money. They informed me that the money would not be removed until   XXXX   XXXX  , three days later. I told them that was unacceptable and said that I wanted to pay it back to them at that moment, using a card that was attached to the same account where they deposited the funds. They refused to accept the payment and told me that if the funds were not available on the  XXXX , then I would be bound by the contract. i again offered to pay the money back while on the phone and told them that I could not assure them that the money would be there on thr   XXXX    because of transactions going through my account. They once again reiterated that if it was n't I would be bound to the contract.
<P/>
I believe this is an infair business practice in so man y ways but the main issue that i have is that they gave me money that i did not request, and have now threatend to bind me to a contract that i did not want, sign, or approve simply because I may not be able to return the money they put in my account without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: ENCORE CAPITAL GROUP INC.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have this company on my credit report who Ive never done any business with, I havent signed any contracts with and have never even heard of them. I believe Im being scammed. Ive been trying to fix this problem. Its fixed with some Credit bureaus but not all XXXX. 


Midland Funding XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Frost-Arnett Company
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a Collection notice from Frost -Arnett Company dated XXXX XXXX, 2015 for the amount of {$70.00} in regards to a debt owed to XXXX . This amount was sent to collections without any prior notice to me from the XXXX even when I was making regular monthly payments on my account ( see attached documentation ). 

Because I am disputing the reason this was sent to collection, XXXX AND Frost -Arnett Company should not report it to any credit reporting agencies. If they have already reported any debt, please contact the credit reporting agencies, inform them that I was making payments and that the reported debt in dispute should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
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:
XXXX   has consistently been a problem.  XXXX  Equifax  XXXX  &  XXXX  has been reporting errored information. I have never applied for student loans and to have an accurate errored account reporting monthly and I have been trying to remove this items for a year now. I 've sent letters, I contacted them and all I 'm told by these credit bureaus that they never received any documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
On XXXX I found the home of my dreams and placed a down payment of {$1500.00}. XXXX I had an inspection done on the home shortly thereafter I submitted all of the documents that was required. In XXXX there was a extension submitted and agreed then XXXX another extension submitted and another in XXXX. The bank has not completed the second part which is for the first time Home buyers grant.. My realtor nor the mortgage broker have been communicating with me to inform me what the hold is leaving me in the dark.. After calling numerous time still no clear answer on what the problem.. The mortgage I applied for was approved home was inspected and now we 're in XXXX well pass the XXXX days they said feeling taking advantage of and seeking helping

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief