BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-01
Company: Sessoms & Rogers, P.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original creditor was XXXX XXXX. I owed was about $ XXXX as of XX/XX/XXXX. The last payment date on this was XX/XX/XXXX. 

I lost my job due to a work related XXXX and then lost the income from that as well. I am not sure how XXXX XXXX XXXX is involve, but I received no notification that they were filing a judgement against me. XXXX XXXX XXXX filed the judgement against me on XX/XX/XXXX in XXXX County Dist Court, Docket # XXXX in the amount of {$12000.00}. I did n't even know there was a judgement until I tried to refinance my home in XXXX of XXXX. At that time, the loan officer informed me that it was on my credit report. We did research and found that XXXX XXXX XXXX XXXX   has the file and the total amount they are charging me now is {$19000.00} as of XX/XX/XXXX. I have attempted to correct this with them, however, they continue to tell me that I need to speak to one person and that person is never available and will not return my calls. I have the information that they requested and I do n't know what they have done with it. 

They sent me a statement dated XX/XX/XXXX, told me in that letter that they are representing the XXXX XXXX XXXX, that my account number is XXXX ( they did n't even give me my entire account number ) and their file number is XXXX and told me that the amount owed is {$19000.00}. 

I have attempted on several occasions to correct this issue and have received no help in return. Instead, they continue to charge me 8 % interest per day and a $ XXXX/mth late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
The following collection is reporting erroneously on my credit report. This is the 3rd attempt to resolve this issue. XXXX XXXX XXXX {$340.00} Open balance. This is also reporting erroneously on a different credit bureau as the debt being owed to XXXX XXXX XXXX. ( Proof of mail delivery as attached. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Credit Management Control, Inc.
State: MN
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:
My credit report reflects a balance of XXXX owed to credit management cntrl. This balance is from a company called XXXX XXXX which I previously rented from. I attempted to dispute this with XXXX XXXX and they would not return my call. It then went to collections. I spoke with XXXX once in XXXX requesting an itemized list of what damages they were claiming. I never received said list and allowed it to go to court so I could dispute the charges there. The initial amount that went to court was in the XXXX dollar range. I apologize I don't have the exact amount in front of me, but even with the court costs it was under XXXX even with the court fees. I was able to get XXXX XXXX to correct the amount owed in court to what I actually owe which is XXXX ; we settled in court and set up a payment plan of XXXX per month beginning on XX/XX/XXXX. I contacted Credit Management Control today at XXXX and spoke with XXXX again. I requested she adjust my credit report to the correct amount. She is refusing to do this. She is intentially leaving the incorrect amount of XXXX on my credit report even though she has received the court documents showing the amount owned is XXXX. ( She read these documents to me over the phone, so she clearly has them. ) I requested to know who to file a complaint with and she initially stated she did not know just that they were governed by the federal government. I asked to speak with her supervisor and she stated her supervisor is the owner and refused to give any contact information for her supervisor. She stated she would give him a message. I asked if I would receive a call back and she stated she really did not know. I told her I would continue to call back daily until I spoke to a supervisor. She laughed and stated she didn't care how many times I called back, she would be certain I am always dealing with her. After continuing to argue with her she finally informed me I could try to file a complaint with CRPB. What are my rights as a consumer. I exercised my right to take this to court, was able to settle the debt for what should have been the initial amount in the beginning, but the credit reporting agency is refusing to correct my account. I am fine if they want to leave the balance on my credit until the debt is paid, but is should most certainly be the correct balance which this XXXX clearly has in front of her. Please advise what I can do to get my credit report corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: BARCLAYS BANK DELAWARE
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 obtained my annual credit report XX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXXstore cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! XXXX Auto Dealers? 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Barclays bank DEXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2017-09-01
Company: Seterus, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was having payment discussion with my mortgage servicer in XX/XX/XXXX about setting up payment arrangement to catch up our mortgage from the late fee 's that had accumulated on our account. Seterus which is the servicer. I spoke with a representative from Seterus by the name of XXXX. We set up a payment arrangement on XX/XX/XXXX for the months of XX/XX/XXXX and XX/XX/XXXX to pay a certain amount and it would catch the account up including all late fee 's. At the time of conversation, I had also made the XX/XX/XXXX payment of XXXX XXXX. Seterus sent a letter XX/XX/XXXX with the agreement which the dates and amounts were wrong, and showing an amount for XX/XX/XXXX. on XX/XX/XXXX I spoke with XXXX again and told her I was unable to adhere to that arrangement and that I would not be able to pay my XX/XX/XXXX mortgage payment until XX/XX/XXXX. I told her I would call her to make the payment and set up new arrangement or a payment plan for XX/XX/XXXX and XX/XX/XXXX. She asked me if I could make a payment on XX/XX/XXXX, which I told her I was not sure I could do that, and I would call to let her know at that time. Never in our conversations did I authorize a auto-withdraw on my checking account. XX/XX/XXXX Seterus unlawfully withdrew {$2200.00} from my bank account without my authorization. I contacted them and told them they needed to send notification to the bank that day ( Friday XX/XX/XXXX ) and stop the withdraw that was showing in " Pending status '' The representative said that they could not do that and that it is too late. They stated I could go through the process of dispute which I would have to pay a wire service to have the funds wired back into my account, when they unlawfully withdrew the funds. I stated to the representative I wanted proof ( today XX/XX/XXXX ) sent to me that I authorized such a withdraw. He never answered the question and invaded it. They would not send the notification over to the bank stopping the withdraw. So in essence they refused to send it knowing they unlawfully withdrew the funds.
I have consulted with an Attorney and he advised that the first step is to file with the Consumer Finance Protection Agency. Representation will be obtained officially after this complaint has been answered, and a possible civil law suit could ensue.
I have also filed a complaint with BBB I have also filed a police report.
The Pennsylvania Attorney Generals office will also be contacted.

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 2017-04-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There are multiple misspelling of my name and someone else 's name and social security number on my report. Multiple addresses I 've never resided.

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 2022-07-20
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
the was received on X/XX/2017.
I am disputing this amount in FULL.
remove my name and alleged debt from your files. it was already addressed and resolved in previous years. thank you. XXXX XXXX XXXX attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX I sent a Certified Letter to the Credit Reporting Agencies for the removal of a Bankruptcy that is listed on my account. The report came back " verified '' However per the New Rule from the CDIA ( Consumer Data Industry Association ) Beginning XX/XX/XXXX public record data collected for credit reporting purposes, including bankruptcies, civil judgements and tax lien, must contain minimum identifying information and be collected at more frequent intervals as follows : 1 ) Minimum reporting of : ( 1 ) Name ( 2 ) Address ( 3 ) Social Security Number and/or date of birth ; and 2 ) Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. 

I had a security freeze placed on my account with XXXX, and I spoke to XXXX and asked them if my information had been released to the Credit Bureau 's after I place a security freeze on my account. A representative by the name of XXXX with XXXX ( XXXX ) informed me that once a security freeze is placed, no information is given without my consent. 

It is my belief that the Credit Bureau 's are engaging in dishonest and deceptive practices by stating they obtained information when they have not. I do n't feel as though they have investigated this properly and truthfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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 received a response from LCI dated XX/XX/22 in regards to an alleged bankruptcy record. LCI stated that " FCRA does not require a furnisher to obtain a consumer 's permission to share publicly available information with CRAs ''. However ; this claim is false in accordance with 15 U.S. Code 1681b ( 2 ) which requires " Written instructions of the consumer to whom it relates ''. In this case LCI used " Non-public personal information '' to obtain an alleged record from XXXX. While the law does allow you to obtain the record, it prohibits the transfer, or sharing of this information to a " Consumer 's Report '' without " Permissible Purpose ''. I am requesting that LCI provide me in writing the " Permissible Purpose '' for which it shared such information using my " Personal Information '' to TransUnion. I did not give LCI written instructions to transfer this alleged record to TransUnion for reporting to my consumer report. Secondly, as the " Data Furnisher '' I am requesting in accordance with 15 U.S. Code 1681i investigation for the " Completeness and Accuracy '' of this alleged record. If LCI contests the statement from The Deputy In Charge XXXX XXXX of The United States Bankruptcy Court ( Page 7 ) who has certified that the courts " Do not report filings to CRAs/Data Furnishers '' , please do so in writing. Please be advised that XXXX  is " Contestable '' and can not be used as the " Validating Source ''. Nor can it certify the " Completeness and Accuracy '' of a record. I am requesting that LCI ( Data Furnisher ) sends all relevant information to the courts regarding my dispute and provide me in writing of the courts " Validating '' response. Lastly, in accordance with 15 U.S. Code 1681i ( 6 ) ( a ) ( iii ) I am demanding the description of the procedure used to determine the " Completeness and Accuracy '' of this record. Please provide me the Name, Address, and Phone number of the agency you contacted. Please note that TransUnion has already certified on page ( 2 ) of this dispute that " XXXX '' was used to verify this record, which violates 15 U.S. Code 1681i.

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 2017-08-22
Company: Navient Solutions, LLC.
State: WV
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:
I have contacted XXXX and Navient as well as the student service board to alert company of harassment and fraudulent activity. This student loan is closed due to the school soliciting me to attend and offering a fraudulent degree program student canceled term with school and student loans were placed in forebearance and forgiven no monies owed. However Navient constantly emails and or calls to harass me to see if I will sign in and start the loan repayment again. Please stop this harassment. They have also effected my credit claiming late payments on loans two times which has effected me being able to apply for a home loan. Please update on all credit reports and remove any deterrents from my credit report immediately. I have asked and they have ignored my requests and continue to try to get me to pay on a faulty loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: SF VAGO, LLC
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
15 U.S. Code 1692g - Validation of debts,15 U.S. Code 1692b - Acquisition of location information,15 U.S. Code 1692b - Acquisition of location information,15 U.S. Code 1692e - False or misleading representations. 

ON XX/XX/22 I notice a letter in my private address this company EMVLP , LLC had no rights to my private address for one! after paying off my truck note this company EMVLP is now falsely accusing me of an alleged debt. i have no handwritten or electronic singe of nature. A signature copied or transferred is fraud! I didn't reach out to this company because i have no contract with them and i will not freely consent to offer up my private information that doesn't belong to this company. The audacity of these corporations to falsely XXXX allocations for debt with everything going on in the world today. I'm highly upset, and this emoting caused me a lot of distress and discomfort i had to seek medical car this treason for any living berating Man! Please fix this error this is affecting my life and credit score. Praise you so much in advance. 

ACCOUNT NUUBMER XXXX EMVLP , LLC XXXX XXXX XXXX XXXX WI XXXX sincerely yours XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Gurstel Law Firm, P.C.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a notice of garnishment of wages from Gurstel Law Firm. There is no information regarding the alleged amount, nothing stating they are a debt collector or that it was an attempt to collect a debt. The documents presented appear to be a court matter in the state of Minnesota but when I looked into it, there is no case in XXXX  County or any other court in Minnesota. I have asked them twice to validate the debt and disclose the alleged amount owed. I do not even know what the alleged debt is for. I have written to them twice ( XX/XX/XXXX andXX/XX/XXXX) requesting the debt be validated and the amount be disclosed and they still have not done that.
They have violated the FDCPA in the following ways : 1. Provide proof of the alleged debt, including all original contracts, agreements, promissory notes, amounts due, amounts paid, interest, fees, charges or incidental expenses allowed within the original contract, or in what state that debt is owed ; 2. Provide the amount allegedly due on the alleged debt, along with an itemized statement of the original amount owed, paid, interest, fees, charges or incidental expenses allowed within the original contract which created the alleged debt or that is permitted by law ; 3. Provide proof that there is in fact a judgment against me in any state in the continental United States of America ; 4. Provide proof that there is in fact a judgment or that a case has been docketed in XXXX County or any other county in the State of Minnesota ; 5. Provide original documentation of the alleged debt, including original signed contracts, agreements, promissory notes and the like ; 6. Their correspondence failed to state that they are a collection agency licensed by the Minnesota Department of Commerce [ MN Statute 332.37 ( 21 ) ] ; and 7. Provide sufficient, clear language in your letter regarding this alleged debt, the suit, the garnishment process and the amount allegedly owed.
Their offices have falsely represented to me that the documents they provided to me are a legal process or have a legal case docketed in XXXX County in the State of Minnesota.
Their company simply wrote a second letter which I received Friday, XXXX XXXX 2017 stating they would like my attorney 's name and contact information and I had ten days to respond.
I had told them I spoke with my attorney i did not say I retained his help in this matter in my correspondences.
They still did not validate the debt, provide any information about the debt, disclose they are a debt collector or the alleged amount I supposedly owe them.

Company response to consumer: Closed with explanation