BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-09
Company: Radius Global Solutions LLC
State: ND
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Central Credit Services LLC and it stated that I owe XXXX {$100.00}. However my account with XXXX has been closed and paid since XXXX 2014. I called XXXX to double check that I did indeed pay my bill and received confirmation that I did in fact pay them in full and do not owe them anything. They have also been calling my daughter 's phone constantly for the last 2 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: Asset Recovery Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I did n't know I owed University XXXX XXXX money. Once I realized that I owed their company money I made the effort to pay them off and was forwarded to Asset Recovery Solutions which is who University XXXX XXXX goes through for debt collections. I made an agreement with an Asset Recovery Solutions Representative where I could get my debt deleted form my credit report in writing after I completed my payments successfully. I met the terms of our agreement successfully, but has not received the later we agreed upon. 

Instead I have been told Asset Recovery Solutions does not have my Social Security number or access to my name on file, and to contact University XXXX XXXX. I contacted University XXXX XXXX. I got a letter that said the debt was paid in full, but the letter said nothing about deleting my paid off debt from my credit report. Which is lying/manipulating me from the original agreement. 

I even called University XXXX XXXX to talk to someone about this. I keep being told to contact Asset Recovery Solutions or I get transferred to department after department after department. I was told XXXX day the department who can help me does n't want to take my call. I was even give a fake number of XXXX on XXXX XXXX at XXXX. 

This is turning into a total nightmare! People want to take my tuition and scam me when I have done my part on a simple agreement!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, 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:
Fact, XXXX XXXX is willfully in violation of FAIR DEBT COLLECTIONS PRACTICES ACT VIOLATIONS pursuant to 15 U.S.C. 1692a. Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692b ( ( 2 ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692b ( ( 5 ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692c ( ( a ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692c ( ( b ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692d ( ( 2 ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692d ( ( 5 ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692e ( 2 ). Fact, XXXX XXXX is willfully in violation of 15 U.S.C. 1692e ( ( 12 ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692j ( ( a ). Fact, XXXX XXXX is willfully in violation of title 15 U.S.C. 1692j ( ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Citizens Bank has repeatedly reported that my auto loan has been included in ch XXXX bankruptcy. This loan has never been included in bankruptcy nor am I in bankruptcy. They issued a letter XX/XX/XXXX correcting the information reported on my credit report stating it was current and never in bankruptcy. On XX/XX/XXXX they again reported this loan as included in ch XXXX bankruptcy. How can they continue to report inaccurate information and expect me to wait for letters while I am trying to make a purchase. This affects my ability to purchase a home by stating I am in bankruptcy and it is affecting my fico scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: EQUIFAX, 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 tried to reach out to each credit reporting agency and they have been closing my complaints every time. I am giving authorization to to pursue this complaint. I have attached my credit report for this account and there are multiple discrepancies on all three credit reporting agencies. The open dates, high credit amount, the inaccurate late payments dates are also inconsistent. Also there are missing report dates as well. These numbers and dates are supposed to be the same. If all three credit reporting agencies receive the same information from the same creditor, why are these numbers so vastly different?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
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:
To whom it may concern : I've been trying to remove accounts from my credit report that do not belong to me, how ever I have been unsuccessful once again I'd like to request these fraudulent accounts must be removed from my credit report immediately, they have created great harm in my ability to obtain credit.

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 2020-03-29
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2020 A dispute was filed letting the credit bureaus know that there was an accurate information on my credit report with Credit Acceptance Corp.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 need TransUnion to verify how they are reporting this account as verified when I called XXXX myself and the date of birth that they have on the account is not mine. The address that they have for the account is not mine. 

I have attached the results from TransUnion. 

I dispute this account under 15 USC 1692g validation of debts.

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 2023-04-10
Company: EQUIFAX, INC.
State: VA
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 need XXXX to verify how they are reporting this account as verified when I called XXXX myself and the date of birth that they have on the account is not mine. The address that they have for the account is not mine. 

I have attached the results from XXXX. 

I dispute this account under 15 USC 1692g validation of debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me ( please see attached ). 
This has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX RECORDER OF DEEDS Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX No phone number available Identification Number : XXXX Address Identification Number : XXXX Status : State tax lien filed. 
Status Details : This item remained unchanged from our processing of your dispute in XXXX XXXX. 


Date Filed : XXXX/XXXX/XXXX Date Resolved : NA Responsibility : Individual Claim Amount : {$2900.00} Liability Amount : NA The above action was posted to my personal history in error because this was a payroll action done under the auspices of a corporation and should have never been posted to my personal credit history Moreover XXXX kept the funds for the employee taxes and never submitted the funds to the State of Illinois. I filed a complaint against XXXX XXXX for this and the issue was never resolved. Also, the correct date was XXXX XXXX and not XXXX Nevertheless, the corporation XXXX XXXX should be held liable for the taxes. Pursuant of the Fair Credit Reporting Act and Federal Corporations Act this items should be deleted from my personal credit file immediately.

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 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/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 2022-04-12
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AD ASTRA RECOVERY SERVICES , INC Registered agent : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX To : The XXXX XXXX XXXX XXXX for AD ASTRA RECOVERY SERVICES, INC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of XXXX XXXX XXXX My credit report shows a collection from AD ASTRA RECOVERY SERVICES , INC . I was never notified of this collection. I also do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. 
XXXX ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
XXXX ) Documentation that shows I agreed to pay this debt with my signature. 
XXXX ) The agreement that grants you authority to collect on this alleged debt. 
XXXX ) A copy of your state license, including license number that gives you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to " represent '' that you and the original creditor are authorized to administrate on me XXXX XXXX XXXX, together with certified copies of a signatured contract between XXXX XXXX XXXX and me, XXXX XXXX XXXX, you and XXXX XXXX XXXX, bonds, original creditor charge off documents, sureties, indemnification, insurance and any XXXX XXXX XXXX Collector Association Agreement passing me, XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon me, XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Please know that reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA violations such as : section XXXX. Harassment and abuse section XXXX. False or misleading representations section XXXX. Unfair practices

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a XXXX credit card issued through XXXX XXXX XXXX XXXX. This account is in good standing and, I have confirmed that the account is being reported to all credit bureaus. The problem is that this account does not show up on my TransUnion credit report. This causes my credit score to be artificially lowered as this is my main card that sees 95 % of my credit card usage. I have tried all means available that I can find short of hiring an attorney to correct this problem. All I ever receive as an answer is another copy of the same erroneous report. Can you help me get this corrected?

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 2021-07-26
Company: Experian Information Solutions Inc.
State: GA
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:
There are a few elements at play here that led to me not even being aware that my account was at risk for being delinquent. 

1 ) I have two separate loan accounts with this loan provider. One of which, I could access, the other, I could not. 
2 ) I was locked out of the account that they were sending correspondences to - and I wrote them through their portal, emailed them, and called multiple times ( Once on XXXX XXXX, once on XX/XX/XXXX, and at two other points in XXXX and XXXX ). None of these methods yielded a response. Not once. 

I had no idea that I had an outstanding balance that needed to be paid - only that there was a message in the account that I could not access. And the only prompt that was available when I tried to address the inability to login - was the site prompting me to call in. Which I did - but never received an answer. 

Things proceeded this way until XX/XX/XXXX, when my parents at my family home received a letter and sent me a message that I needed to call and pay by phone. I had no idea this was the case for so long and paid that same day. Fast forward to XX/XX/XXXX - I get a credit monitoring alert that I have 3 new derogatory marks on my credit report that dropped my score XXXX plus points. A score that I have been scrounging to protect since I graduated 3 years ago. That has come under assault due to misreporting from multiple sources. 

That being said, I literally had no way of knowing what was going on. When I called, I got no representative. When I tried to contact them via their portal on the site, I was prompted to call. So the cycle of no contact continued. 

All things considered, I would also like it noted that as SOON as I was aware that I owed any outstanding monies, I paid the same day. Also, with the loan that I have refinanced with XXXX and XXXX, that payment has always been on time. 

I think it's unfair to be penalized for something that was out of my control. In this scenario, I also demonstrated a consistent desire to understand what was going on, but when I called in today and spoke to a representative, I was made aware that the contact center had been dealing with a high backlog in terms of correspondence. That further contextualizes the issue that denied me the ability to contact the lender and even understand that I had a payment due. I would really like these derogatory marks removed.

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 2022-04-12
Company: Supreme Lending
State: TX
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:
On XX/XX/12, I received email alert from one of the credit bureaus that there's a hard enquiry on my credit file. I checked all the 3 bureaus and found this hard enquiry on file : XXXX : EVERETT FINANCIAL IN XXXX XXXX XXXXXXXXEVERETT FINAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEVERETT FI I also received an email from Supreme Lending , the lender who did a pre-approval for me more than 13 months back, stating that they have to keep their records current and therefore ran a credit check!!!. I never authorized that lender to run my credit except for the purpose of pre-approval. I spoke to the company and they repeated the same thing that they have to keep their qualifying factors current. I insisted ( in email ) that I never authorized you or expressed my intent to get loan from you until the house is nearing completion. 

I want this credit enquiry to be removed from all credit bureaus. And I think the lender can do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had been involved in a fraud/scammer situation. The bank had started to work with me, but then reversed their decisions. In doing so, they then decided that one of the transactions should be changed, BUT, they were working with the new accounts and not the old accounts that the scam had been worked on. I was out {$4000.00}, when I started, and they had credited my credit card from my checking account for {$2000.00} of the total. BUT, when they decided to reverse the transaction, they took {$2000.00} from my checking account to apply towards the credit card. The checking account was down to around {$130.00} or so before they did this. BUT, XXXX days earlier my Social Security check was deposited. They would not have had the money to do this transaction reversal had that check not been there. SO, they really should have overdrawn me, but that wasn't the case. I can't make them see where they did this {$2000.00} reversal from new accounts, yet they still aren't helping me recover the original {$4000.00}, and I have been trying to work with them since the first of XXXX on this...

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 2015-11-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My XXXX XXXX loan was transferred to a new servicer, Navient, some months ago. I have several loans and am making timely payments on all of them. My loan serviced by Navient has always been paid through automatic debit. I only periodically check the accounts since I rely on the automatic payments which have always been properly processed. When checking my Navient account today I realized that Navient has not taken out any payments since XXXX 2015. I immediately called Navient to find out what is going on. It appears that somehow my account was placed on academic deferment. Navient was unable to explain how or why. The Navient representative promissed to get back to me in the next week with further information. I am not back in school and I never applied for deferment. Consequently I expected my payments to be automatically debited as Navient as usual. This appears to be a scheme to charge students additional interest. I am really upset because I have been making timely payments and am expecting the principal owed to be going down. Instead, unbeknownst to lenders Navient places loans in deferment and charges interest only. This is extremely alarming and I am determined to seek further recourse to right this injustice. I hope you can assist me with advising what my options are to make this right.

Company response to consumer: Closed with explanation