BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: MO
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint myself to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and removed on my credit file. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX ACCT XXXXXXXX Balance XXXX : {$0.00XXXX XXXX XXXX Bankruptcy  Reference # : XXXX Date Filed/Reported : XX/XX/2020 U.S. Bankruptcy Court

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 2016-02-23
Company: Continental Services Group, Inc. d/b/a ConServe
State: PA
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 was contacted XXXX at my employment office by a collection agency which was seeking repayment of a student loan. XXXX I confirmed that although I had the same name as their debtor, I had a different birth date, different home address, etc. In short it was clear I was not the person for whom they were looking. Despite this, today I was told that the collection agency Conserve had issued a garnishment order to my employer which is surprising as they already should have had a record of the calls to me at this employer confirming I was not their debtor. I spoke to Conserve this morning and asked for something in writing addressed to me acknowledging their mistake and assurance that this would n't happen again. The XXXX individual was caught is a catch 22 of being unable to speak to me since I was n't their debtor. His supervisor, XXXX XXXX, a Manager with Conserve stated that he could not promise a letter to me as I sought. More troubling than this was the fact that the Garnishment Order was to be certified by the XXXX XXXX. That certification was given by XXXX XXXX whom no one at Conserve knew. I 'm not sure who XXXX XXXX is but he is certifying debt which is completely in error. I believe the attempt to garnish my wage with no warning amounted to an embarrassing hassle for me. One which should have been entirely avoided based on the initial calls to my office. I was not happy that despite causing his hassle, XXXX XXXX could not see his way to drafting a simple XXXX line email which acknowledged that I was not their debtor as such an email would have been in the debt record and would have avoided future confusion. Nor could XXXX XXXX shed any light on Who XXXX XXXX is despite the garnishment order being signed by him. ( See attached. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: TX
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:
There were multiple inquiries made to my credit without verification or consent on XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX BANK Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There were multiple inquiries made to my credit without verification or consent on XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date 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 2015-05-05
Company: DISCOVER BANK
State: PA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I did paid off Discovery Card with XXXX Bank XXXX XXXXXX/XX/2015 on-line XXXX. A few minutes later I found that money on account XXXX Bank is not enough and I deleted this transaction. I made a payment in a few minutes through the XXXX XXXX Bank in the Discovery Credit Card. However, I found that Discovery still withdraw money from my XXXX Bank account XXXX times and each time the XXXX Bank took with me {$35.00} for insufficient funds in my account. 
I spoke with representatives of the Discovery of this, after I discovered that they did not return the money in the XXXX Bank, I spoke with the manager XXXX. The money was not returned to me, and even then XXXX again withdrew money from my account at XXXX Bank on XXXX XXXX. My question is who will pay me {$100.00} for the " insufficient funds in my account, '' XXXX told me that this will make the XXXX Bank. When I was in the branch of XXXX Bank, they told me that it is the fault of XXXX, and they owe me the money back. 
I ask your help in this matter. 
Thank you. 
Sincerely. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-10
Company: ACS Education Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I signed up for email notifications with ACS. ACS agreed to provide me with email notifications when payments were due. ACS provided me a notification of a payment due on XXXX XXXX, 2015. From that point forward, I did not receive any notification from ACS of any payments due until approximately XXXX XXXX, 2015. On approximately XXXX XXXX, 2015, I received a phone call from ACS informing me that my account was severely past due. I asked how this could be, because I had not received any email notifications. I made a payment to bring my account current. Because I had not received any payment notifications from ACS in several months, it was my understanding either that my account was on auto-pay, or, that my account was otherwise in good standing. 

In my view, this constitutes a deceptive and unfair trade practice. It is deceptive for ACS to offer an " email notification '' option, wherein it represents that it will send a borrower email notifications when payments are due, and then not honor that representation. 

I understand how busy the CFPB is and I understand that you have many more compelling cases to consider. However, I believe that this merits investigation. To put it simply : A few months ago, I had a credit score of XXXX. I was going to buy my first house XX/XX/XXXX. I just pulled my credit report tonight and saw that, as a result of this ACS situation, my credit has collapsed to XXXX ( lower on certain reports ). This is devastating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have more than 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: ATG Credit, LLC
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: Account status incorrect

Complaint:
ATG Credit admitted in the last complaint through the CFPB that the is not contractual obligation to pay because myself and ATG Credit does not have any form of a contract. Please read the respond of the attachment. 

Also, the debt was never validated. The ledger ATG Credit claims to show proof is false. Attached is the ledger from ATG Credit and an account history that shows the disbursements from my loan provider. The disbursement highlighted shows a different amount and date than the refund ATG said were provided which is also highlighted on the ledge ATG Credit provided. In order to validate a debt, a contract between the parties must be signed and dated, all details must be correct, and provided through documentation. 


ATG Credit failed to provide any form of any contracts between myself and the company. However, ATG has proceeded to collect on a false debt not owed to them and continues to place negative information on my credit reports for years. Therefore, I am not legally liable to pay any monies to this company. The harassment must stop

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/2015 Balance {$0.00}

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 non-monetary relief
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I called Navient back in XXXX XXXX and informed them to activate my loans so I could file for Income-Based Repayment and start repaying. They informed me that it would take six months for my loans to become active. It is XXXX XXXX, and my loans are still inactive. According to the website, my loans wo n't be active until XXXX. I feel as if I have been mislead and Navient purposefully left my loans inactive such that they could continue to accrue daily interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: ROC Asset Solutions, LLC
State: NV
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:
To Whom It May Concern, Approximately XX/XX/XXXX I paid off a payday loan and paid off the loan and paid off interest payment totallying XXXX. In XX/XX/XXXX I paid XXXX in interest hoping this would be Remove off my XXXX Report. The account # XXXX what I noticed in this matter XXXX & XXXX payday loan are the same company meaning they merge together into one company. The settlement was excepted and that this item is still lingering on my XXXX  Report. Please can this item can be removed of my XXXX report. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The Rushmore Loan Company purchased my mothers loan from XXXX XXXX XXXX in XX/XX/XXXX with monthly payments of {$830.00} due. In XX/XX/XXXX, my mother passed away and I assumed responsibility as co-signor for the remaining debt of approximately {$24000.00} in which payments of {$900.00} to {$1000.00} have been made consistently on a monthly basis. In XX/XX/XXXX, I received notice from Bankruptcy Court that Rushmore wanted to request a motion of relief for delinquency. I contacted Rushmore immediately and was told that XXXX payments were missing during the XXXX time frame. I explained that I had no knowledge of delinquent payments and could I work out a payment plan to include adding any missed payments to end of loan. XXXX XXXX Rushmore Relationship Manager gave me XXXX options to pay the delinquency plus fees. Option XXXX is payment in full. Option XXXX is Repayment Plan for a short period of time. Option XXXX was for a loan modification. I was told that I would also have to pay for the additional fees associated with this loan. The fees were for a Lender placed Fire Insurance Policy ( not in a fire zone according to FEMA ) and {$1100.00} for the monthly home inspections and analysis of property. I have not received any contact from Rushmore until today XX/XX/XXXX regarding any delinquencies. I also feel the adding of the Fire Insurance Policy is not in standing with FEMA for Georgia. This property is not in a flood or fire zone and is covered completely by Homeowner 's Insurance Policy. There has not been any contact with the owners concerning the monthly home inspection and/or analysis. The charges for corporate fees and insurance would fall into the Predatory Lending Practices for inadequate disclosure along with inflated fees and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Back in 2015, we noticed a charge on our Macy  's credit card called " XXXX XXXX  '' so we called Macy 's who said that we needed to call the XXXX XXXX company directly to cancel it. We had opened an account at a register during checkout and never signed anything so we did NOT approve this! We called the XXXX XXXX number and they assured us it was cancelled. Now, we discovered just a couple of months ago that they have continued to charge us ongoing since then! We called in again and they see that we cancelled it back in XX/XX/XXXXbut have not credited our account for the charges since XX/XX/XXXX... Nor did they ever stop charging us!!! Macy 's keeps telling us to talk to XXXX XXXX  but when we call XXXX XXXX, we are just told it has to go to a review process and then nothing ever gets resolved. We have been dealing with this for months now and have gotten nowhere. We NEVER agreed to this " protection '' and are being taken advantage of. Shame on Macy 's for doing this to us! I am outraged and will not shop there again until it is resolved.

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 2017-09-10
Company: EQUIFAX, INC.
State: NJ
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:
As has been well publicized, Equifax has lost the personal credit information for 143 million Americans. To prevent further identity and credit theft, it is imperative that our credit can be frozen.
At this time, the credit bureaus will only allow a fraud alert but not a freeze, unless one is ALREADY a victim of identity theft ( AKA closing the barn door after the horse has gone ) or by paying each bureau a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: BlueChip Financial
State: DE
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
A debt collection company named XXXX XXXX XXXX XXXX is contacting me regarding a debt with Spotloan. I 've asked this company to send me the information in writing to my home address. A representative by the name of " XXXX '' states they 've sent the letter previously and it 's not their fault if I did n't get it and that they refuse to send me another letter in writing. 

Also, I 've received a call from family members stating this company is trying to reach me on several other phone numbers, XXXX and XXXX. These calls have to stop. They 've been instructed that they should not be contacting any other numbers.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Colony Brands, Inc.
State: SC
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:
On XX/XX/XXXX I pulled my credit report and found and account listed as " charged off '' from XXXX XXXX for {$200.00}. When I contacted the credit bureaus, I was told that it was associated with my ex husband 's social security number and name, of which I left XX/XX/XXXX and was officially divorced from XX/XX/XXXX. However it has been placed on my credit. I sent a debt validation request to XXXX XXXX and let them know, that this was not my account. That in fact my ex husband ordered out of the catalog and the debt did not belong to me. I did not hear back from XXXX XXXX. I reached out to the company, and the only answer they could give me was to file a dispute with the credit bureaus. That is not professional at all. If an error was made and the company was contacted, it should be cleared up. They are reporting erroneously on my credit report. Not only that, they are in violation of my FDCPA rights as a consumer. I have the right to request validation, and the contract that is between myself and this consumer for this debt. Which they clearly do not have! There is absolutely no contract between myself and this company, so how can they place and report a fraud account on my report. This account was opened XX/XX/XXXX. I don't even live in XXXX  anymore. Why wasn't I notified? I am horrified that this company would allow someone to simply order a catalog in someone else 's name, someone incorporate their social and ruin their credit without even a proper signature nor mutual bonding agreement with signature. No telling who else has gone through this and with no help from the company. No proper validation, no rights to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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