BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-01
Company: DISCOVER BANK
State: CA
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:
I owed discover card less than a thousand dollars several years ago. It was a very very old debt and I tried to contact the bank to settle and I was informed that they have been sold my case to a 3rd party collection agency. I contacted the collection agency last 2013 to settle my debt but they dont want to cooperate and doesnt want me to settle it. Just last year or this year I received a notification letter from XXXX XXXX, XXXX that they are garnishing my savings account because of old debt from discover card and they are working with the attorney. And Now, Im refinicing my house but I was informed by the financial officer that XXXX XXXX, XXXX was holding my house title until I pay them {$11000.00} thats why they can not proceed with the processing of my house refinancing. I dont even owe the my old discover card that much but collection agency is harrassing me to pay too much. I need help on this, I am a XXXX XXXX veteran having health issues and I am currently having financial difficulties too. I can not pay them more than I owe the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: MARINER FINANCE, LLC
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Adverse credit report by Mariner Finance. 

I have a loan with Mariner finance. 

I was late for 30 days in month of XXXX 2015. The 30 day late payment was reported. In addition, the account was closed ; placed in collection and these information was reported on my credit report. This information has adversely affected my credit report and score. 

The problem here are : I was late for 30 days in XXXX 2015 : B. I moved out of my apartment in XXXX XXXX 2015 and my address changed. I traveled out of the country on XXXX/XXXX/2015 and returned on XXXX/XXXX/2015. I never received any late payment notice or collection notice from Mariner finance. 

C. My financial credibility has been damaged by Mariner Finance because of these misleading information. 

D. They want to ruin my credit so that I will have no option to borrow but Mariner Finance and they can impose their predatory loan and high interest rate on me. 

E. How do you close and account and report it as in collection. Without proper notice to the borrower ; I was late in XXXX 2015 because I was out of town. 

F. I think this account needs to be looked into and all changes made as soon as possible because of the importance of good financial credibility otherwise I will have to seek litigation. 

Sincerely

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX is reporting as multiple late payments in 2021 that were not late. Payments were made on time. During XXXX of 2021 I asked for a payment extension due to XXXX and was approved for the extension. It is now reporting on my report as late for the months of XXXX/2021-XXXX/2021 which is inaccurate. 

Also XXXX  XXXX is reporting as an open account but the account is actually paid in full and closed. I do not have access to this credit any longer. This account needs to be reported as closed and paid or deleted off of my credit report.

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 2016-11-12
Company: MARINER FINANCE, LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Per previous cases Mariner financial agree to send me the insurance forme and stated once they received the form they will updated the credit files and removed the negative information. And they have n't I request this information to be removed permanently from my credit file as I have complain with Mariner Financial.

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 2019-03-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid off or paid down 6 accounts on XX/XX/2019. It says on all 3 credit reporting agencies that my accounts were updated on XX/XX/XXXX, yet none of my accounts show that anything was paid on them, but they are showing amounts that are much higher than my available credit line. The most I have gone over was {$1.00} and that was report ONE day after it went over, to the credit reporting agencies, even before I knew and was never notified. It shouldn't take months to update paid down or paid off accounts when going over {$1.00} of a credit limit is reported within a day. I also filed discrepancies, with all 3 credit bureaus, over a year ago, and I was told the discrepancies needed to be addressed within 30 days or be removed. I never heard back from anyone. Unfortunately, the credit bureaus are NOT reliable or trust worthy ... seeing I am an American citizen and have been dealing with this ridiculousness since I started working and XXXX, who have NO background, social security, no paying taxes, have 1 small line of credit, if any at all, and have 800+ credit scores. Completely illegal, and discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions 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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$760.00} USDOEXXXX   XXXX {$7000.00} XXXX XXXX {$37000.00}

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 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX and collections are inaccurate

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 2020-06-10
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been trying to link my PNC account to money savings apps like XXXX and XXXX. PNC wont allow me to do this even with the proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Lotane & Associates, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a summons to appear in court in XXXX County Florida regarding a possible judgment on a debt went into collection in XX/XX/XXXX. The debt was opened up with XXXX XXXX XXXX XXXX Florida in XXXX, FL. Instead of going to court, I agreed to a settlement agreement to start paying {$50.00} a month starting XXXX XXXX, XXXX until the debt is paid off. However, after I had signed the agreement and sent it back to the attorney firm, Lotane & Associates, I remember that I received a XXXX from XXXX XXXX XXXX XXXX Florida during the XX/XX/XXXX tax year that stated a cancellation of Debt. This is where I was confused because I called and tried to get an explanation from Lotane & Associates as to why I would be summon for a debt that had been cancelled by the XXXX XXXX in XX/XX/XXXX. In addition, Assuming that I did not have to appear in court because the agreement was signed before the appearance of the court date, I discovered that the judgment was filed against me anyway on XX/XX/XXXX because Lotane did not let the judge know that I had set an agreement with them that resulted in a default in favor of Lotane. When my counselor called the attorney 's office, they stated that they did not know what happen and will motion to have the default dropped. It still has not happen as of yet. In the meantime, we are trying to see if the summon was legal because the debt was forgiven and I had included this on my XX/XX/XXXX income tax as income earned per the required law. I have not received a satisfactory answers from either XXXX XXXX XXXX XXXX Florida nor Lotane who I feel are both at fault because XXXX XXXX sold a debt that has been cancelled along with Lotane who let the debt go into default knowing that it was agreed. Please see the attached documents regarding this matter. I need to have this agreement nulled and find XXXX XXXX XXXX XXXX Florida and Lotane negligence with their unscrupulous practices. I have asked several questions about the date the debt was sold to Lotane but ca n't get a clear answer. Each company is asking me to call the other because they feel like they are not responsible as to what happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

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 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 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 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 non-monetary relief
Consumer complaint received 2022-05-14
Company: Southwest Credit Systems, L.P.
State: MD
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:
In accordance with the Fair Credit Reporting Act XXXX  Account under : Southwest Credit Systems has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 SEction 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: PA
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:
I have a credit freeze and identity alert on my credit report but somehow EQUIFAX keeps letting company 's run my credit without my permission, which has led to inquires that are not mine along with collections that are not mine. I reached out to EQUIFAX today XX/XX/2022 and asked about my credit report I asked why were these items popping up on my report and every representative I spoke with was either rude, ignorant or had me on hold for hours waiting for a supervisor who never got on the line. The amount of disrespect I received today is disgusting!!! EQUIFAX should be ashamed I will be contacting a lawyer to discuss my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was checking my credit score today and I saw some Enhanced Recovery Company has opened a collection account on my credit report on behalf of XXXX XXXX XXXX XXXX which caused a drop of 20 points due to a collecting account been opened on XX/XX/2019 stating I owe them XXXX dollars as a debt. First of all i dont know who that collector is nor I received any type of correspondence in writing notifying me regarding the debt. Today I called the Enhanced Recovery Company and talked to the agent XXXX XXXX. She looked up my name along with my last 4 digit social security number my area code and the city I live in she still couldnt locate me in their system. I filed a similar complain against XXXX XXXX XXXX XXXX in XXXX when XXXX XXXX tried to collect the debt of same amount I dont owe to XXXX XXXX XXXX XXXX and they removed the collection account. This is the second time XXXX XXXX XXXX XXXX is illegally destroying my credit score. I request to immediately remove this collection account from my account and restore my points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had filed a complaint against Navient ( student loan company ) with CFPB XX/XX/XXXX. Through CFPB, Navient responded ; however, I later understood the response to be related to a bankruptcy filing, which Navient, in their response, stated : " The Administrative Forbearance placed on your account is in connection with a nationwide class action lawsuit, under an Agreed Order which is pending in the U.S. Bankruptcy Court for the Southern District of Texas. '' I did not and have not filed for bankruptcy at any time in my adult life. I was not contacted about a bankruptcy lawsuit and the forbearance placed on this account by Navient or any other party associated with Navient. My XX/XX/XXXX complaint against Navient was in relation to the 39-state settlement reached with the states ' AGs in regards to Navient 's offshoot company Sallie Mae 's predatory student loan lending practices. I was primary on this loan and therefore should have been alerted to a bankruptcy filing and forbearance status placed on this student loan. Please see my XX/XX/XXXX complaint below. This complaint is based on the 39-stated settlement reached with the states AGs : XX/XX/XXXX complaint filed with CFPB " Navient has reached a 39-state settlement to clear student loans for thousands of students due to the attorneys general litigation via Navient 's ( offshoot of Sallie Mae ) predatory student loan lending practices. I took out such a loan in XXXX but did not attend for more than a few weeks due to a job offer and relocation to a different state. I tried to reach an amicable resolution with the lender but was not able to and the loan has increased from XXXX to XXXX. No payments have been made in several years, however the loan is being reflected as paying as agreed -- I suspect this may be in light of a stipulation in the 39-state settlement agreement. I have disputed the loan based on the press release and news reports of the settlement, but the credit bureaus are sticking with Navient 's claim that the loan stands. Please help me get this resolved and cleared from my credit report via part of the recent settlement agreement. The school I attended is on the list in the settlement. Thank you. '' XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: American Credit Resolution, Incorporated
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A year ago I was contacted by a company that said I owed them for a health club bill that was paid. With the help of a family friend I wrote a letter requested validation of debt and they stopped calling. This week I was contacted by XXXX ''. They told me I was going to be served and I should contact XXXX. I called the number and they answered the phone " claims office ''. I was scared so I gave them my credit card information. I then called my dad who told me to cancel the payment because that did n't sound legal so I did. Today I received more calls from XXXX XXXX at " XXXX '' an unknown number who told me they were going to serve me today. I checked the NY XXXX XXXX XXXX website and found no company under this name. I also received a letter from American Credit Resolution. The letter offered me a settlement but never offered my the opportunity to get verification. I believe the company failed to provide me validation of debt. I believe the employees of the XXXX were actually employees of American Credit Resolution. I believe they misrepresented themselves and this was a veiled threat since I thought I was going to be sued.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: EOS Holdings, 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:
This company is continuing to call looking for another person who owes them a debt. I 've explained for 4 months this is n't his number. They continue to call, even though I 've told them this is no longer his number. This has become harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: EOS Holdings, Inc.
State: KY
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:
My wife and I have had XXXX XXXX for over 2 years. Prior to us receiving services all equipment and balances ( not in collections ) had to be paid in order to get service. We have never missed or been late on a payment since we started our service. A collection agency contacted me and my credit report shows that I have {$100.00} from XXXX XXXX in collections. I have spoken to multiple representatives at XXXX XXXX since XXXX 2015 when it was first reported. Each time that I speak with someone, they tell us that they have no records of sending any information to the collection agency, and that we do not have any outstanding balances or monies owed. They have told us multiple times since XXXX that the collection agency will take it off our report and they are unsure how this happened. We still currently have services with XXXX XXXX, paying our bill on time every month and this has still not been resolved or taken off my credit. We have not been provided with any information that needs to be sent to the collection agency, they simply tell us that we have to pay the {$100.00}. XXXX XXXX has not offered any solutions, other than to say that " they have sent the message to the collection agency to take it off '' and nothing has changed.

Company response to consumer: Closed with explanation