BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-27
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
... A company called " AlliedInterstate '', which only shows a XXXX as address, has tried to " collect '' a debt on behalf of " XXXX XXXX, XXXX. " ; for such I have no knowledge nor I owe anything to that bank/credit ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
equifax account, XXXX/XXXX no. XXXX should have been deleted yesterday XX/XX/2020 from the equifax bureau report.the investigation was initiated on XX/XX/2020. 
it is a violation of the FCRA that the account still shows under dispute today XX/XX/2020. 
all proof of the above is attached.DELETE THIS ACCOUNT IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: IQOR US INC
State: MO
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 got a call from XXXX XXXX ( spelling? ) with Allied Interstate LLC. He called my work line. I have repeatedly explained to debt collectors that I am not the person they are looking for and they are not to contact me again. I also inform them that they are calling me at work. XXXX left a message and I called him back to again explain that they are harassing the wrong person. I got his voicemail and it contained a phone number to call the main office. I called that number and talked to another gentle man who told me that no one from his office called me at my work number. I assured him that I received the message and he could listen to it if he wanted. He asked for the number that was called and I gave it to him. He told me that that number had already been identified as incorrect and no one from his office would have called it. He did say that he would remove me from their call list. A few minutes later XXXX called me again and I told him the same thing. I was very clear that I am not the person they are looking for and they are NOT to contact me again.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 initially called XXXX Bank on XX/XX/XXXX regarding a missed payment in XX/XX/XXXX. I explained to the rep that I fell sick with XXXX  in XXXX and missed the one payment. I was told to file a dispute through XXXX and Transunion to fix the report to reflect my missed payment due to XXXX XXXX. I submitted a dispute to both XXXX and Transunion on XX/XX/XXXX, and was told by both institutions the result of the report only updated my balance, not the disputed missed payment. I submitted another dispute with XXXX and Transunion with more information about my illness with XXXX and no results. Im not sure what to do at this point, as I dont want this one missed payment punish any future opportunities.

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 2022-04-13
Company: Sequium Asset Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, sequium asset solutions LLC, added a collections account to my credit report of over {$300.00} without any notice, letter, phone call, email, text, visitation etc. I have not heard from these people a single time. I even tried calling them once and I couldn't get a hold of anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: T.S. Holdings
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was living at XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX from XXXX. Upon the ending of my contracted agreement, I was put on a month-to-month lease. I was told to have a 30day notice in writing which I email for my own copies and went in and signed a form and had a completed walk through. I paid a cleaning and security fee upon signing my original contract. A year later, I receive a letter in the mail stating that I was evicted and that they were charging me XXXX in cleaning fees. When calling numerous times, I was told they had switched management teams and would need to get a hold of their new manager to find my information, whom was never in the office or returned calls or emails. I was NOT evicted, and my cleaning fees were paid up front.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-23
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This letter is being sent to you in response to the above reference account that BC Services INC. has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against BC Services INC. for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of characterIf BC Services INC. is able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

Company response to consumer: Closed
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 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 2017-07-06
Company: Navient Solutions, LLC.
State: NJ
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:
When I enrolled in the income based repayment plan with Navient during my XXXX, they told me that the income based repayment will qualify me for the public service student loan forgiveness program. I paid my loan payments on time. When I graduated XXXX and went on to XXXX, I found out that none of the payments I had made to Navient were eligible toward the loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: MidAmerica Mortgage Inc
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I discovered that my lender had increase my monthly mortgage payment without sending me any notice or explanation of the charges. Today XX/XX/XXXX I called and spent over two hours attempting to resolve this matter. I initially spoke to a representative name XXXX ID XXXX who confirmed that there was increase however he was unable to verify exactly what the increase was for and informed me there may have been some errors. XXXX explained to me that he would be sending a request to his escrow department for review. I was not confident that this would be done because there was still no explanation of the charges so requested to speak to a supervisor. I was then transferred to a gentlemen name XXXX agent ID XXXX who immediately told me there was no error without reviewing my account. This was extremely frustrating so I requested to speak to his supervisor which he said was XXXX XXXX and that she was unavailable. I then called back in to verify that at least a request was being sent to escrow and spoke to another associate name XXXX who gave an agent ID of XXXX. The customer service I received was absolutely horrendous! No one could explain reasonably with a break down of where the charges occurred after the previous representative confirmed there may have been an error. I finally spoke to XXXX who was the supervisor and I'm still in disbelief that she's an actual supervisor. I will be filing a separate complaint and requesting the telephone calls to be pulled regarding the customer service received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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 XXXX 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 XXXX 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 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My father informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I started to investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown, suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX/XXXX XXXX {$470.00} XXXX XXXX  XXXX {$7200.00} XXXX XXXX   XXXX {$2000.00}

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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I recently reviewed a copy of my consumer, and I noticed that it is reporting an experience with your company.The line of credit I have with your company, is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. Regarding the : XXXX XXXX XXXXXXXX, your company is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The cfpb closed my compliant without anything being done which is strange because I just submitted it.

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 2020-04-01
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:
My father informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I started to investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown, suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX/XXXX  XXXX {$470.00} XXXX XXXX  XXXX {$7200.00} XXXX XXXX   XXXX {$2000.00}

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 2022-04-13
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2022 around XXXX pm I received a disrespectful call from Chrysler Capital employee in the executive office that goes by the name of XXXX employee ID # XXXX. XXXX proceeded to tell me that they received my FTC report concerning the loan and wanted to know what they should do. I told XXXX since I filed a report with the Federal Trade Commission I would like for you to accept the report and I would like for you to 1. Close the unauthorized account 2. Remove any charges on the unauthorized account, and 3. Take steps to remove information about this account from my credit files. 
XXXX reply in said : 1. " Chrysler Capital will not be making any adjustments to the account ''.

2. " Chrysler Capital has reviewed the account and they declared it's valid ''. 
3. " Chrysler Capital will not be releasing the lien on the title. 
XXXX was very rude and also had poor customer service. 
Below my FTC report is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: STATE FARM BANK, FSB
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
On or around XXXX XXXX my wife and I started a refinance loan with state farm bank. It has since been 110 days and we still have not closed on the loan. We have provided all documentation in a very timely manner and none of the delays have been because of us as the borrowers. The loan processor continues to state that they are short staffed yet he just took off for several days. When we talk to the loan processors we are simply told that the loan is moving through the process and we are getting closer. Our processors name is XXXX XXXX and there is another processor named XXXX. Debt to income ratio is great, our loan to value is around 60 % and our credit scores are around XXXX or above. There is no reason for this easy of a loan to take so long. If there was a way that I could get out of the loan right now without having to pay any money as well as get a refund of my money paid I would. We feel very taken advantage of as a borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX ; XXXXn and Transunion should not be reporting collections in the amount of {$3800.00} and {$1000.00} on XXXX XXXX XXXX, original creditor XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I was forced to vacate the premises because of an untenable situation with the tenants who were living below me. They were involved in illegal activity and it was very unsafe for my children and my wife and I to stay there. I wanted to file a formal police report however was encouraged not to for fear of retaliation from the tenants. I contacted the apartment complex manager and shared detailed information of the issues that were occurring and the apartment manager agreed that I had no choice but to vacate for the safety of myself and my family. The manager and I agreed that I pay {$1000.00} to terminate the lease. I was assured that the lease would be null and void and that I was free to move. I was not aware that these accounts had gone to collections until I obtained a copy of my most recent credit report. I immediately tried to contact the apartment complex manager to discuss this. I never received any notice from the apartment complex regarding any outstanding balance due. Pursuant to my agreement with the apartment complex manager, there is no outstanding balance and therefore nothing to collect. This false reporting of multiple collections is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-04-01
Company: Experian Information Solutions Inc.
State: NC
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 previously sent two dispute letters to Experian disputing the negative items on my credit report but they sent me a response letter back on XX/XX/XXXX telling me that they won't we reinvestigate into the matter.

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