BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
Company: Experian Information Solutions 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:
Today is XX/XX/XXXX and I received the attached XXXX XXXXXXXX XXXX XXXX ( XXXX ) letter dated XX/XX/XXXX supplying documents they claim I requested. I requested the permissible permission used to access my credit report in XX/XX/XXXX not copy of contract that took XXXX more than two months to send in the mail. But perhaps XXXX is a 3rd world country because they treat the american citizens that way. I requested the permission used in XX/XX/XXXX to access my credit report to prove it was a fraudulent loan. Also received today is a Fraud letter requesting more of personal information in addition to my credit report that they didn't have any rights to access in XX/XX/XXXX. Perhaps XXXX is a 3rd world scam to collect more of american 's private information to steal. After 5 years of this, XXXX needs to be talked to like an uneducated 3rd world stealing country.

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 2022-05-27
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-27
Company: Experian Information Solutions Inc.
State: MA
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:
The Credit bureaus stated the Account ( s ) listed below had been properly investigation but this is clearly fraudulent in nature & clear impossible based on the following fact ( s ) : a. Open Date is inaccurate b. Date Last Active i*s inaccurate c. Date Last Reported is inaccurate d. Payment History is Inaccurate Account : XXXX XXXX : # XXXX - reported on XXXX Account : Collection ( Original Creditor : XXXX  ) this account is XXXX XXXX same account reported on Experian / XXXX This, is immediate grounds The United States Code ( s ) specifically outline regulations which the Credit Bureau ( s ) continue to grossly / negligently do their job for what appears for profit selling said information to vendor ( s ).

a. Violation # 1 : Under 15 U.S. Chapter : 1681 S. 604 A ( Section 2 ) : The law clearly defines that a said consumer reporting agency can not furnish i.e. any said account without incorrectly or without said written instructions.

b. 15 USC 1681 Section 611 ( 2 ) ( a ) : Law Specifically indicates is " any '' said information is found inaccurate or can not be verified the consumer reporting agency ( s ) shall promptly delete the information from the file of the consumer.

See attached copies of Credit Reports numerous factual violations by all credit bureaus which have been updated/ verified to date.

1. Document # 1 : Dated - XX/XX/XXXX XXXX 2. Document # 2 : Dated - XX/XX/XXXX Experian & XXXX 3. Document # 3 : Dated - XX/XX/XXXX XXXX 4. Document # 4 : Dated XX/XX/XXXX XXXX Experian

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 2020-10-02
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Lvnv funding has placed a garnishment against me never contacted me or anything I dont even know what the debt is for. I did try to contact them but never got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: NV
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 my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: ERC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have an unverified account from ENHANCED RECOVERY CORP. I had previously disputed this account. I have never done business with ENHANCED RECOVERY CORP. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY CORP provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY CORP Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-05-27
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX at that time was using XXXX XXXX as my cable company. In XXXX I was moving to another place. So I was in the process of waiting my provider to do XXXX XXXX not have internet. So I paid the last balance off which at the time was {$150.00} and sent in my equipment. When moving to my knew place, in XXXX of XXXX XXXX XXXX  wasnt on my credit report. In XXXX of XXXX I went onto XXXX XXXX to look at my account and seen there was a hit of I C Systems for {$310.00}. I attended to call XXXX XXXX they told me I had a balance. I was told to call IC Systems to make a payment. Spoke with IC Systems they requested that I send information that I made the payment. That was done in XXXX of XXXX. I called back to see what the outcome was. IC systems and XXXX XXXX gave me the runaround. Called XXXX filed another dispute and was also told to call 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 2022-05-27
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: Information belongs to someone else

Complaint:
Someone has been trying to fraudulently open up accounts in my names that I didnt have any knowledge of and dont consent to here are the names of the companies and the inquiries date please do whats right and remove these items Experian : 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 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 XXXXXX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: WELLS FARGO & COMPANY
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XX/XX/XXXX, I received a letter from WELLS FARGO AUTO FINANCE stating they had created a new account number for my auto loan. The vehicle was repossessed in XXXX and subsequently the loan was charged off. I lost my income in XXXX XXXX due to XXXX and no longer able to work at XXXX XXXX. 

They then began reporting BOTH accounts to the credit bureaus showing a balance of {$10000.00}. In XXXX, I disputed with the XXXX and the original account balance was changed to {$0.00}. However, the duplicate account continues to report falsely. This loan was charged-off after the vehicle was repossessed in XXXX.They are reporting inaccurate, false data solely to harm my credit. 

In XXXX, I received a XXXX ( Cancellation of Debt ) and had to file same, as income, with my XXXX taxes. Even the XXXX appears to have errors on it, showing XXXX instead of XXXX ... .and the acct number is different from that appearing on their XXXX letter advising me of a " new '' account number ; for a second account I never authorized or opened. 

Now that have increased the BALANCE reporting to bureaus to {$11000.00} despite showing it as CHARGED-OFF. They also report it as OPEN. I do not, and never did have XXXX auto loans with Wells Fargo. This is 100 % FRAUDULENT reporting! All three major CBRs have documented DISPUTE, but continue to enjoin Wells Fargo in perpetuating this violation of the FDCPA, FCRA, TILA, and Section 166 of U.S. Treasury code 26 CFR 166 ( et al ). 

I am not, nor have I been receiving any statements, as required by law, when interest is being accrued to a loan. This is a violation of Truth in Lending Act. 

WELLS FARGO has wantonly and willfully violated my civil rights, caused me great harm financially, and caused me extensive pain and mental anguish because of their violations and because of their defiance to correct the problems when I disputed them through proper channels.

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 2016-03-11
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card
Issue: Other fee

Complaint:
Because of an error on American Express ' end, I occurred a fees totaling a XXXX dollars on a banking account I was in the process of occurring. On XXXX XXXX, I spoke with XXXX XXXX who was the first person who promised to refund the fees as soon as soon as I provided documentation. Because of the hassle I had already been through, I too recorded the phone conversation and would be happy to provide that. Once I provided documentation, I never heard from anyone. After calling in and being passed around, I spoke with a supervisor named XXXX XXXX. He told I could " consider it done '' and he would contact me again within 24-48 hours. That too never happened. I called tonight, was once again passed around to various departments, and was told that XXXX XXXX was not in the office and they were n't sure why he had n't contact me but they were unable to do anything. The supervisor I spoke with tonight said he should be contacting me tomorrow. I told them I was filing a complaint tonight as this issue has gone on for too long. I 've literally spent 4+ hours being passed around with no results.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-10
Company: ERC
State: GA
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 continually get phone calls from a collection company that does not leave a message but calls almost daily. We once called them to tell them who we are and that XXXX have no unpaid debts and still get calls at all hours.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2015-03-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Credit card
Issue: Credit determination

Complaint:
i recently closed and paid off my citizens bank credit card account ove one month ago. Today i received a call from them saying that my account was past due.now, they never sent me a letter in the mail saying that i owed them money after i have requested a payoff and paid the balance in full. they are attempting to report my account past due for 33 days with the credit reporting agencies. i have worked tirelessly to build my credit, and now Citizens bank wants to destroy over {$27.00} when they never had any type of notification in place to make me aware of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
They continue to send me bills in regards to this debt in addition they are reporting this debt incorrectly. This debt was discharged in bankruptcy and is still being reported as open. I have called them and sent a letter to no avail. I want the harassment to stop as well as my credit reported corrected.

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 2022-05-27
Company: EQUIFAX, INC.
State: MA
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:
The Credit bureaus stated the Account ( s ) listed below had been properly investigation but this is clearly fraudulent in nature & clear impossible based on the following fact ( s ) : a. Open Date is inaccurate b. Date Last Active i*s inaccurate c. Date Last Reported is inaccurate d. Payment History is Inaccurate Account : XXXX XXXX : # XXXX - reported on Equifax Account : XXXX ( Original Creditor : XXXX  ) this account is XXXX XXXX same account reported on XXXX / XXXX This, is immediate grounds The United States Code ( s ) specifically outline regulations which the Credit Bureau ( s ) continue to grossly / negligently do their job for what appears for profit selling said information to vendor ( s ).

a. Violation # 1 : Under 15 U.S. Chapter : 1681 S. 604 A ( Section 2 ) : The law clearly defines that a said consumer reporting agency can not furnish i.e. any said account without incorrectly or without said written instructions.

b. 15 USC 1681 Section 611 ( 2 ) ( a ) : Law Specifically indicates is " any '' said information is found inaccurate or can not be verified the consumer reporting agency ( s ) shall promptly delete the information from the file of the consumer. 

See attached copies of Credit Reports numerous factual violations by all credit bureaus which have been updated/ verified to date. 

1. Document # 1 : Dated - XX/XX/XXXX Equifax 2. Document # 2 : Dated - XX/XX/XXXX XXXX & XXXX 3. Document # 3 : Dated - XX/XX/XXXX Equifax 4. Document # 4 : Dated XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received communication from Great Lakes in regards to a student loan obligation. I am requesting information to validate proof of claim to the alleged obligation. 

See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a judgement made against me that I paid to a debt collector XX/XX/XXXX. XX/XX/XXXX I started receiving letters and calls from Midland Credit Management that I owed them the debt that I had paid to the other agency. I did not give them any money but they kept calling, sending letters and had an account added to my credit report until XX/XX/XXXX. Finally, I resolved the issue threatening legal action but a note should be made that they harassed me for years and would never just call and see that the debt was paid. I had to pay exorbitant interest on my car because of the account they made on my report and they refused to remove because they wanted me to pay. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Credit card was charged for other peoples XXXX XXXX that I do not know, reported it to wells Fargo and they put it " under investigation '', meanwhile I ordered a new card with new numbers and have NOT activated it. Now being charged for XXXX XXXX again on a card that is not activated that only wells Fargo know the information to the card.

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 monetary relief
Consumer complaint received 2022-05-27
Company: Aldous & Associates, PLLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This letter is in response to your responds to CFPB with closed complaints with authorization needed, Is it not clear that I have attached my Driver 's License and Social ID to certify that is in fact me submitting the disputes and you guys closing it and did not precede with your investigation as per my request you to reinvestigate. I am writing to let you know that my credit report contains inaccurate and incorrect accounts that are ruining my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A credit card was taken out in my name thru the company XXXX XXXX XXXX ) on or about XX/XX/XXXX. I never opened this account. There were charges made on this account of {$1700.00} This account has been sold to a collection agency named Midland Credit Management XXXX XXXX : Tel : ( XXXX ) XXXX spoke to XXXX This has been filed as a legal case in XXXX XXXX, XXXX XXXX Texas XXXX Case # XXXX and they are suing me for {$1700.00}. 
I did not open or use this credit card. 
I was divorced in XXXX of XXXX and am trying to pay off credit card debt that was put on me by the court. I would not open nor have I opened any other credit card. 
Talking with XXXX she told me to contact the FTC to alert this matter to them. 
I also wanted to see any paper work to show ( I ) opened this account,,, Nothing. 
Case number Thru Midland Credit XXXX is XXXX This has been reported as a sign off on my credit and is affecting my credit, and I will not pay this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
SunTrust unlawfully towed my vehicle. 
SunTrust acknowledged towing by vehicle, without having ownership rights to the vehicle. 
See their response to complaint # XXXX While they believe they are exempt from damages from the release waiver signed to retrieve vehicle, the tow was unlawful. 
Moreover, the document they provided from the third party tow company was altered to remove comments made about not attesting to the condition of the vehicle. 
Fraud can not be used as justification.

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 2015-12-08
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled my credit card account with XXXX and after I paid as per my agreement they sold the debt to Midland, I told Midland I settled with XXXX and Midland then filed a collection lawsuit against me.

Company response to consumer: Closed with non-monetary relief