BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-22
Company: Experian Information Solutions Inc.
State: CA
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:
Ever since I was forced to file Bankruptcy in XXXX 2008 I  have made all payments on time as agreed and paid off all Credit Card Debt Monthly Balances in Full. All other installment loans such as Mortgage, Auto and other installment loans have all been paid on time as agreed or paid off sooner. I have only applied for and obtained credit as needed. After following all of the purposed recommendations my credit score still remains well below XXXX. My score seems to bounce back and forth in the low to hi XXXX 's. I would not have had to Bankrupt in the first place had our Government been in control of our Mortgage & Banking Lending Practices. The Housing Market would not have come to a complete CRASH had our Government put into place Strict Regulations to prevent Appraisers from preparing false Housing values, Our Government continues to fail to Regulate the Banking Industries Lending Practices and it appears that we are heading right back into another Recession. As for my own personal Credit score. It  appears that all three of the Credit Reporting Agencies are creating a false and very Low Unrealistic Credit Score. This has become very obvious based on my credit history since Bankruptcy. I believe they are doing this so that Lenders will not offer me the best credit available and instead these Bureaus are creating the scenario that forces me to pay higher interest rates and fees. Most importantly Experian Credit Report is what Credit Check Score is basing my Credit Score from. So I ask you again how can I improve my credit score to over XXXX? It is obvious that I pay all of my payments on time, keep all credit cards balance paid off every month and have done everything suggested by Credit Score as well as Experian. I am frustrated by the constant interference by the Credit Reporting Agencies and their low intentional Credit Scoring that is designed to force me the Consumer from obtaining the best credit available. A copy of this email has also been sent to the US Treasury and the Consumer Financial Protection Bureau for their review as well. Very Respectfully, 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 2019-11-25
Company: Experian Information Solutions Inc.
State: CA
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 XX/XX/19 I was made aware of some accounts and a bankruptcy on my credit report that all do not belong to me. The accounts were opened by someone else without my permission and the bankruptcy was clerically filed in error ; it belongs to someone with a similar name. I did not allow anyone to open any of these items in my name using my personal information ; I already filed a police report regarding this matter as well as notified the courts. I do not have any relationship with any of the companies and I did not benefit anything from these items that do not belong to me. I did not make any transactions or payments towards any of these accounts.

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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX, XXXX & XXXX XXXX XXXX anXXXX XXXX XXXX XXXXXXXX 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 2019-11-25
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/2019 XXXX XXXX XXXX I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
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:
Hello I have requestion for validation of this debt through XXXX and XXXX XXXX. By law they should have my original contract on file. But they dont have no documentation. By law if the dont this. They are suppose to delete these accounts off my credit report. These letters that are attached are not my original documentation. Doesnt show apr. I will like these accounts deleted before I report yall and have my lawyer take yall to court. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: GA
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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
upon checking my credit report i notice a credit agency trying to collect a debt i have no knowledge of i have never signed a contract with them verbally nor electronically ever in the past

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Improper use of my credit report. A collection agency is violating my rights under the no surprise act 2022, I have a medical bill that a out of network provider is charging me without my prior authorization.

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 2022-06-20
Company: Atlanticus Services Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a late fee because The Credit card company told me that I did not make a payment on time, that was simply not true. I called and spoke to a representative who at first apologized for the mistake and waived the overdue payment. I then received my next months bill with a past due amount attached to it. The waived past due payment from the previous month was attached to this payment. I called and spoke to a representative who informed me that It was because of the previous month past due amount. I told them that it had been resolved. I was then told by the representative that the person who waived the fee shouldn't have, even though i was not at fault. I was told that they do not make mistakes. I was also told that I was over drafted because of fees they added because of the past due amount. My monthly payment was almost tripled. I firmly believe this is wrong and that they are taking advantage of people who can not get normal credit cards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TD BANK US HOLDING COMPANY
State: NY
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:
I lost my wallet around the end of XXXX of this year and some of my credit cards were used, one of them being TD BANK credit card, I disputed a transaccin of {$840.00} from XXXX  XXXX XXXX XXXX. I spoke to a representative and specified I lost me wallet with my credit card inside it and that I did not have card nor did I make the transaction. Around mid XXXX I realized the transaction was placed back in my account and I called to find out why and they told me that the representative who had originally took my call made a mistake and put that I had my card at the time of the transaction instead of putting that I did not have my card which is why i was charged. I asked for my call with the person to be reviewed so they can see I specifically said I DID NOT have my card and they told me they created a dispute and asked for my case to be reopened but nothing has happened, it is now XXXX and I have called about 5 times now, I have even spoke to a manager who was of no help and said the only thing they can do is ask for the escalation, i called again today and was told nothing is being processed and they can just escalate my issue but that it is on hold and my card is now asking me for a payment which I will have to make to not affect my credit but TD bank is not resolving my issue and I should not be held responsible for one of TD BANKS representatives mistakes! They are not offering me any help, nor any resolution for this, I am beyond stressed out, this is consuming so much of my time calling them over and over to get no proper response or solution which is just messing with my emotional stability and stressing our my days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-22
Company: Army and Air Force Exchange Service
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been contacting/attempting to contact XXXX XXXX of XXXX XXXX XXXX. Since XX/XX/XXXX. I left countless messages, called endlessly and never received a call back. I was told by customer service since I previously filed a complaint no one other than the assigned manager is allowed to speak to me.
I finally spoke to her early XX/XX/XXXX after making at least a dozen calls. At the time we spoke my treasury payment had been intercepted. I explained to her my savings bond redemption had been offset for the amount of ~ {$1800.00}. She told me the credit was not yet applied to my outstanding balance. I asked her to contact me when it had been processed and I also asked to make a settlement offer of {$7000.00}. On XX/XX/XXXX XXXX left me a voicemail. She claims AAFES returned with a counter offer of {$15000.00}. She also suggested I provide her all of my personal financial information to apply for a hardship dismissal of the debt. I asked her to mail me the offer letter and I would review it. I received the letter XX/XX/XXXX. I was told by XXXX that offers have a 60 day payment period, she sent me a notice that payment is due in 30 days. I was also told by XXXX that she would list my original offer on the letter, but that is missing. XXXX told me this debt could be collected indefinitely even after I asked about the 10 year statue of limitation. She used that as an intimidation tactic and falsely implied that by giving her all of my financial information it could help with a new settlement amount. That information was omitted from the correspondence I received.

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 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
I contacted XXXX and XXXX XXXX on XXXX XX/XX/2022. These agencies were on my credit report as hard inquiries. I had not applied for credit. I was informed they did have my SSN in there system. XXXX told me they would flag application for credit for Mor furniture as fraud. She did see my name but not SSN. This account has now been successfully opened with a {$4000.00} credit limit which was reported on XXXX XX/XX/2022. I now see another inquiry from CFNA which is not mine. Please 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 non-monetary relief
Consumer complaint received 2020-02-25
Company: ONEMAIN FINANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello, my name is XXXX XXXX and fraudulent accounts were opened in my name with One Main Financial. I spoke to the branch XXXX and she said they could handle it in the office. I didn't speak to her my husband did. My husband explained to her that I work in the XXXX, and I am not able to receive phone calls. I am not allowed to bring my phone into the XXXX. They have recently started calling me at my place of employment, even though I told them I cant receive phone calls at my job. I have provided them with my Police Report, FTC Identity Theft Report and also an Notarized Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX continues to report my account as past due even though i am in a forbearance and have been for over a year. They are reporting 180+ days past due on credit causing financial stress and denials for credit for me and my family.

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 2022-06-20
Company: ALLY FINANCIAL INC.
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid {$500.00} a month extra to shorten the time for pay off. 
Bank used that money to make payments 8 months in the future instead of paying on the balance. 
When I sent checks to the bank they cashed one of them for the numerical amount instead of the written amount. 
Paid off the loan in XXXX XXXX, have not received the title or refund of payments paid in the future. 

Paid off my loan on motorhome, bank did not send title or release of lien. 
I have contacted them several times, they said they sent items, I have never received them. 
Bank is Ally Bank

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: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have been attempting to get hardship with this company since XXXX 2016 on my private loan. At the time, I had Chapter XXXX bankruptcy protection ; it was dismissed due to me being unable to make payments once I lost my job. Once I notified them of my unemployment situation, all of my Federal loans I had no problems getting unemployment/hardship approval. But not Navient, with the private loan. They in fact flat out refused to allow me to defer payments. On top of that, the only repayment option offered they would not provide terms in writing until I made 3 payments The payment amount advised is not something I can afford to do. One representative even said the government gives them the protection to do this and they pretty much owned me cause I 'm behind and my situation does n't matter. She then went on to say, I owed them they can do what they want. How are yo
u allowing this company 's private loan side do this to consumers? I 'm presently going through Chapter XXXX and in speaking with them ( cause they still continuously call ), they say it does n't matter. Why is the government allowing the private side to have the ability to be so unforgiving of people who prove they fallen on hard times? Why be so secretive with payment options and allow private student loan lenders to refuse to provide details/terms of agreement prior to entering into payment agreements? I have proven to the Federal government I 'm not financial able at this time to repay my loans ; and granted a year forbearance. Why are you allowing private student loan lenders to create different rules that they knowingly will result in a borrower defaulting? They should have to abide by the same terms and provide the same hardship options as the federal government, when it comes to student loans. Especially considering the bankruptcy courts do n't view the loan like a car or mortgage. Private student loans should either be forced to abide by the same rules as federal loans, when it comes to hardship repayment, or allow for borrowers to dismiss in bankruptcy like all other private lender debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Frontline Asset Strategies, LLC
State: SC
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:
Dates XX/XX/2022 and XX/XX/2022 Front line Asset Strategies continues to call me concerning a debt from other creditors, with a former creditor being listed totaling over {$1900.00} which I had no contact or knowledge of, saying if the debt is not paid it will be turned over to an attorney for collections. But it can be reduce to {$1200.00} if arrangements are made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Resurgent Capital Services L.P.
State: OH
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Midwest Recovery Systems
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A debt collection from Midwest Recovery Systems in my name was put on all 3 credit reporting company 's. The collection attempt is for XXXX dollars on a account through XXXX XXXX company just opened a month ago. I live with my parents and have not had utilities in my name for 5 years. I also have never received anything in the mail regarding a debt and the chance of it being reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I have two loans that were serviced by ACS/Wells Fargo. Both loans are paid and full as they were transferred to a new lender XXXX XXXX and currently XXXX. My credit report shows 180 days past due and 120+ missed payments for two account which has a great affect on my credit score thus far. During the time of the missed payments I was not only enrolled in school at XXXX College, but my loans were no longer being serviced by Wells Fargo. The missed payment dates that are listed on my report for accounts start at XX/XX/XXXX - XX/XX/XXXX for both accounts.

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