BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The original dispute was filed years ago. As I have matured and become more aware of my rights regarding the FCRA, I 've realized how long and how egregious Equifax 's error has impacted me. I have been patient and this is my XXXX complaint against Equifax with CFPB. Equifax keeps making a false claim that they have either corrected the information or that it does n't appear. They have deleted the XXXX XXXX bills that appeared in error. They have not corrected the Student Loan accounts that appear inaccurately. In fact, they report duplicative records of the same student loans and have re-aged these accounts extending the time they have appeared on my credit report. These loans were incurred during my XXXX and XXXX studies ending in XXXX 2002. My student loans have remained in deferment, and even during a period of consolidation and being assigned to XXXX XXXX, for reasons permitted by the US Dept of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) received a check from XXXX for funds totaling {$16000.00} to pay off my truck lease. I financed the purchase of the truck through XXXX. On XX/XX/XXXX, XXXX sent a letter to XXXX requesting a completed and signed odometer statement. Apparently the completed and signed odometer statement XXXX sent with the payoff check to XXXX was misplaced in processing. I was sent a copy of the letter " for information only. '' After speaking with XXXX multiple times in XX/XX/XXXX to resolve this issue, it was determined by XXXX that a new completed and signed odometer statement was all that would be needed to close the lease account. On XX/XX/XXXX, a new completed and signed odometer statement was faxed to XXXX, along with a copy of the XX/XX/XXXX letter from XXXX that stated in writing the payoff funds had been received. On XX/XX/XXXX, I obtained a payoff letter from the XXXX payment website, confirming a payoff due of {$0.00}. Apparently the payoff information was not provided to the XXXX leasing division. As a result, the account has been reported to all three CRAs as 30 days late. I filed disputes with all three CRAs, and they are reporting that XXXX verified 30 days late as accurate. This lease account was paid on time with no missed payments, and the payoff amount that XXXX sent was quoted by 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 2021-02-18
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Barclays Bank Delaware, XXXX XXXX/XXXX XXXX, and XXXX XXXX. The Account Opened is Barclays Bank Delaware Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2017-02-24
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XX/XX/XXXX my car was XXXX in an accident. My insurance did not cover because the person driving was not covered. I contacted the lender which was Santander to advise them of the accident and they advised me that they would sell the car for parts and see how much they could recover from that then they would provide me with information such as what they received and what i would be liable for after. I never heard from Santander again until months later stating i owed them almost XXXX dollars.This was a XXXX and was not even worth XXXX. They never provided me with any information about the car or any detailed information about what they got for parts. Now they have sold the debt to XXXX and are still reporting this on my credit under Santander as eell as XXXX. XXXX has this debt listed on my credit as a new debt when infact this was opened in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) received a check from XXXX for funds totaling {$16000.00} to pay off my truck lease. I financed the purchase of the truck through XXXX. On XX/XX/XXXX, XXXX sent a letter to XXXX requesting a completed and signed odometer statement. Apparently the completed and signed odometer statement XXXX sent with the payoff check to XXXX was misplaced in processing. I was sent a copy of the letter " for information only. '' After speaking with XXXX multiple times in XX/XX/XXXX to resolve this issue, it was determined by XXXX that a new completed and signed odometer statement was all that would be needed to close the lease account. On XX/XX/XXXX, a new completed and signed odometer statement was faxed to XXXX, along with a copy of the XX/XX/XXXX letter from XXXX that stated in writing the payoff funds had been received. On XX/XX/XXXX, I obtained a payoff letter from the XXXX payment website, confirming a payoff due of {$0.00}. Apparently the payoff information was not provided to the XXXX leasing division. As a result, the account has been reported to all three CRAs as 30 days late. I filed disputes with all three CRAs, and they are reporting that XXXX verified 30 days late as accurate. This lease account was paid on time with no missed payments, and the payoff amount that XXXX sent was quoted by 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 2015-12-21
Company: Applied Resolutions Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received several calls from XXXX. He will not tell me what company they are with, only that I allegedly owe money to a XXXX. I paid all my loan and then some to XXXX and I do n't know who these people are that are trying to collect money from me. They called me at work and even after I told him I was at work and they were not allowed to call me the agent said they would continue to call me. I called him back and he kept hanging up on me until finally he transferred me to a supervisor. This is harassment plain and simple and I want to file charges on these people.

Company response to consumer: Closed
Consumer complaint received 2015-05-04
Company: Pressler & Pressler, LLP
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I 'm receiving letters from Pressler and Pressler claiming to represent XXXX XXXX XXXX services. They claim that it 's a subpoena and ordering me to state my finances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
These inquiries need to be deleted, I called your customer service and explained I have been a victim of the inquiry issue and they would not help and take care of the negative inquiries reported on my credit report. 


1. XXXX - XX/XX/XXXX 2. XXXX - XXXX XXXX 3. XXXX/ XXXX - XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX - XXXX XXXX 6. XXXX - XX/XX/XXXX 7. 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 2021-02-19
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
U.s. ReliaCard wanted an ID verification 6 days ago I sent it I updated my address online they said that I can't do that and that's why it tripped the fraud alert so I put the address back to the old address and then resent the ID verification they said I needed to reactivate the card They said this three days in a row that I lock the card three days in a row my pay is still on the card and they will not let me have it they will not let me use it they will not transfer it and when I asked them to speak to the supervisor they said that I would get a call back in 24 to 48 hours that's the best they can do there holding my funds with no resolution or help.

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 2017-03-26
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our home is in a flood zone so flood insurance is required. We changed policies and sent the new XXXX to XXXX which is Seterus 's insurance agency. They have repeatedly sent more letters, yet we have sent a hard copy via the USPS, and have FAXed the XXXX page twice. Once on XX/XX/XXXX, and again on XX/XX/XXXX. We phoned their calling center, ( the only contact number they give ) and they have no clue why they are unable to record this info.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Phone call was made for XXXX XXXX at XXXX XXXX time from XXXX . I do not know XXXX XXXX. Phone number XXXX extension XXXX claimed by representative XXXX XXXX ( woman ). Company MCM or Midland Credit Management. I also Spoke with XXXX XXXX ( man ). He claims the address is XXXX XXXX XXXX. I am on national do not call list. This is a repeat offense from this company. This and many other companies have been warned not to call and they still repeat their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have attached a highlighted picture of an account that is reporting to my 3 credit bureaus incorrectly. Almost every single line is different on each bureau and this is a huge violation of the FCRA. I have highlighted all of the discrepancies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have been tiresly fighting months at a time to get these accounts that were never verified nor authorized by myself removed from my credit report, these accounts is making my life all the more challenging. I have written letters and have reached out to the companies associated with these accounts and no one has yet removed these unauthorized accounts from my credit report! I have filed a police report and will be taking additional measures to securing myself and financial reputation from such fraud activity!

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 2016-12-01
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016 the collection specialist for Wells Fargo bank by the name of XXXX XXXX contacted me in relation to settling and discharging a debt. I emailed XXXX XXXX a copy of a XXXX XXXX dollar bond that I have on file with XXXX and XXXX XXXX finance statement that I have on file with the court. The bond gives me the legal right to set off debt pursuant to IRS XXXX form and the financial accounting standards board law. The bond was accepted on XXXX XXXX, 2016 by the XXXX and was sent by registered mail with return receipt. The XXXX never disputed the bond for the purpose of discharging debts. XXXX XXXX was extremely rude and obnoxious over the phone and made false accusations stating that my bond was erroneous. XXXX XXXX is not in a position to make a determination if the bond is erroneous because he is not a lawyer or judge. In closing, XXXX XXXX refused to fully allow me to explain the purpose of the bond and he hung the phone up on me. XXXX XXXX XXXX phone number is XXXX. XXXX XXXX should not be working at Wells Fargo Bank because he is disrespectful and has a hostile personality trait. Bank representatives are suppose to treat there clients with the upmost respect regardless of their disagreements with customers.

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 2015-12-17
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Please see complaint nos. XXXX, XXXX and XXXX. THIS IS NOT MY DEBT. CONN'S HAS KNOWN IT IS NOT MY DEBT FOR OVER A YEAR YET CONTINUES TO TRY AND ILLEGALLY COLLECT ON IT. THEY SAY THEY CAN'T FIND AN ACCOUNT ON ME. IF THEY WOULD ACTUALLY LOOK AT THE DOCUMENTS I HAVE PROVIDED MORE THAN ONCE, THEY WOULD SEE THAT THEY JUST RECENTLY RESOLD THIS DEBT ONCE AGAIN TO ONE OF THEIR MANY COLLECTION AGENCIES - WHICH WAS ILLEGAL BECAUSE 1) THE FIRST COLLECTION AGENCY THEY SOLD IT TO WAS UNABLE TO VALIDATE THE DEBT AND REMOVED IT FROM MY CREDIT LISTINGS OVER A YEAR AGO; AND 2) THEY RESOLD THE INVALIDATED DEBT TO ANOTHER DEBT COLLECTOR AFTER BEING PUT ON WRITTEN NOTICE THAT ALL COLLECTION ACTIVITY MUST CEASE UNDER FEDERAL LAW UNTIL THE ACCOUNT HAS BEEN VALIDATED. THEY ARE BREAKING THE LAW AND VIOLATING MY RIGHTS. I DEMAND THAT SOMETHING BE DONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On today I was informed that my credit file was being suppressed because a creditor / collection agency has stated I am not who I say I am. The credit agency is now asking me for a copy of my social security card for which I am already a victim of identity theft HOW CAN A COMPANY ( collection or otherwise ) have influence to suppress and or block my credit account without prior authorization. I have not elected for a freeze that would create this effect. 


This is a violation of the fair credit reporting act. not to mention my rights as a citizen. I am a citizen of the UNITED STATES OF AMERICA. Any information given to credit agencies is then shared with the collection companies even if it is reported as FRAUD with the affidavit and police reports on file. It does not seem as though the credit agency can be unbiased and act with integrity. This is STRESSFUL AND IS a form of discrimination. This paralyzes me to provide for my family and any business that I may be conducting business with.

This needs to be removed immediately.

I will be filing complaints with the FTC CFPB XXXX TEXAS ATTORNEY GENERAL DEPT OF JUSTICE Governor of TEXAS

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 2017-01-28
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I took out private student loans from XXXX, now Navient, and have been paying them off while I completed my XXXX and XXXX degrees. I have never been late for a payment and have even paid double what was owed several times in the past although not lately. Over the years my monthly payment would increase by a few dollars at a time, but then in XX/XX/2016 my payment tripled. In order to be able to qualify for a more manageable payment amount, I applied to release my cosigner of the loan. I met every single requirement that was listed on Navient 's website and provided them with every document needed in order to do so, but when I called Navient a few weeks later, I was told that they found something in my credit report that disqualified me. They never specified what they found in my credit report and certainly did not list credit status as a qualification for the release of aforementioned cosigner. I would have never entered into such a one sided agreement where the rules are arbitrarily dictated by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collection company National Credit Adjusters is reporting on my credit a debt of {$850.00} for an original creditor listed as XXXX XXXX XXXX XXXX. Upon review of my credit reports, I reached out to each credit bureau by mail on XX/XX/XXXX requesting validation of the debt. In response they stated that the debt was verified, however, did not supply any additional information to me proving such. I then reached out requesting the method of verification on XX/XX/XXXX to the credit bureaus and was told I could reach out to National Credit Adjusters directly. I sent another letter directly to National Credit Adjusters on XX/XX/XXXX requesting proper validation of debt. In response, I received a letter dated XX/XX/XXXX showing copies of a promissory note to which I believe to be fabricated, as it has my maiden name and dated XX/XX/XXXX, a time in which that was no longer my legal name, no signature, and no proof of debt or validation was provided. They then proceeded in request for me to call them directly by phone, when I have established communication in writing by mail. I have provided ample time and numerous opportunities for this company to provide proof that I am responsible for this debt, and after months of reaching out, I still have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Team Recovery Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed inaccurate information on my credit report with XXXX, XXXX, and XXXX. XXXX  and XXXX  has deleted the inaccurate information but XXXX  refuses to do so. Ive sent them copies of my credit report but they keep reporting it. The company has not sent me any contract or anything due to these collections not even being mine, the company has yet after 6 months to send me anything with my signature on it stating that these collections are mine. 
XXXX  and XXXX  have deleted them and I want XXXX  to do so as well its messing me up at getting approved for the house of my dreams because These collection are not mine.

Company response to consumer: Closed with explanation