BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am sending in a second request to Experian for my free credit report - I completed the annual credit report form I down loaded off the annual credit reports site as I do every year and mailed in and ever year Experian comes back saying they can not fine me and like now there letter says I did not provide the required information yet I have my information from the other XXXX. It seems that every year they do this to me and I send back a letter with a copy of the completed from and threaten to notice the FTC and you about this - all of a sudden they find me and provide XXXX copy - so my question is why do you allow them to get away with this - I just want my report I do not want my score etc - but every Experian does this

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting at XXXX account # 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 2. 
It also states a customer reporting agency can not furnish a account without my written instructions. 



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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 2019-12-12
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: Information belongs to someone else

Complaint:
I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from National Credit Adjusters. I reached out to this institution via phone # XXXX XXXX XXXX XXXX twice on XX/XX/2020. I advised her I do not have an account with National Credit Adjusters and do not agree to debt. I advised I have no knowledge of this account nor have I done any business with this company. I explained that I do not have a signed and dated agreement from National Credit Adjusters. I am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I advised supervisor I do not agree to debt and will be filing complaint due to harassment and the lack of professionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Esperian Credit Reporting has continually reported false and negative information pertaining to a loan at XXXX XXXX XXXX XXXX California. They show wording s foreclosure started. XXXX XXXX XXXX which realized this was to be removed has put that in writing to CPB and Esperian to remove this from my record. This was a bad loan from the beginning as stated by The California Department Of Justice. The real issue is the failure to perform by Esperian.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo approved me for a mortgage in XXXX. In XXXX XXXX I could no longer work nor pay my mortgage. At that time and for a subsequent year, I kept the property up while offering to give the bank a deed in lieu of foreclosure. Over that year, I talked to no less than XXXX individuals at the bank ( never the same ones XXXX and got conflicting information. In XXXX the bank started a foreclosure action. Over all this time I had offered the bank a deed in lieu of foreclosure with the understanding that it would not seek a deficiency judgment. In XXXX the lawyer for the bank finally agreed to this proposal ( the same XXXX I offered the month XXXX ). However it still took the bank 's lawyer, court and the appointed referee more than XXXX months to have the Judgment of Foreclosure and Sale occur. It is scheduled for XXXX XXXX, XXXX, exactly XXXX years after I offered the property to the bank. 
In the meantime, I had a XXXX and after spending more than XXXX months XXXX over a XXXX year period, I am starting to get my health back. My complaints are : Why would the bank not take a deed in lieu of as soon as it became obvious that I did not have the resources to pay the mortgage ; Why did the bank not take steps to protect the property ( e.g., leave the power and heat on minimal heat settings to avoid what finally happened : frozen pipes and overwhelming mildew and black mold )? When the house finally sells, the bank will get pennies on a dollar because it failed to protect the property. 
I am XXXX years and trying to get my credit back so that I can buy a car on reasonable terms. I fault the bank and the law firms handling the foreclosure action. I get a strong sense that the bank has and had a mechanism in place to assure that it will not loose any money in the long run. That mechanism may be as simple as stating to the regulators " look at the losses we were forced to take ''. Please note, neither I or anyone else has lived in the premises for this 6 year period. In my current physical condition, I would be unable to live there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: New Era Asset Management, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XX/XX/2022 - I have disputed this " debt '' in writing, and over the phone with XXXX XXXX XXXX, with New Era Asset Management ( XXXX ). I have repeatedly asked him not to contact anyone other than myself, and he calls other family members leaving harassing voicemails on their phones. This is for a fraudulent payday loan company that I have never had any contact with, yet this person continues to harass me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: EOS Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I'm writing to submit a complaint about EOS-CCA. This company has been attempting to contact me repeatedly for quite some time. They engage in deceptive behavior in order to try to get me to answer their calls, calling from different phone numbers in many different area codes. My call records show more than 10 different phone numbers in just the last two weeks, I blocked each one, so they then call from a different number. They have at times called 3 times in a single day before I blocked the number. When I do answer,  they refuse to identify as a debt collector. The last time I answered the male caller would only say that they wanted to speak to me about a " personal matter ''. 

Refusing to identify immediately as a debt collector is a clear violation of the FDCPA, calling repeatedly is also. Using dozens of different phone numbers in various area codes is clearly deceptive and likely another violation of the FDCPA. The calls are coming in at various times, but the vast majority are between XXXX to XXXX local time for me, which is another violation ( I'm not in the 48 contiguous states these days, I'm not willing to tell them where I am, but It's somewhere between GMT +8 to +10. 
I want all communication from EOS-CCA stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: ALLY FINANCIAL INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XX/XX/XXXX - I got into a wreck with XXXX XXXX XXXX. XX/XX/XXXX - I received a letter from Ally stating they needed 3 items ( police report, insurance info, and ally buyers order ) in order to process my gap claim. XX/XX/XXXX - I faxed all 3 items Ally requested in the XX/XX/XXXX letter. XX/XX/XXXX - I received letter from XXXX XXXX XXXX , XXXX ( XXXX  ) denying claim submission stating they did not get the information from Ally within 90 days. Early XXXX I called XXXX and they said they denied by claim because they did not get info from Ally. I called Ally and they said they had received my 5 page information sent on XX/XX/XXXX but did not send info to XXXX  because I did not file a claim. According to the XX/XX/XXXX letter it does not state I need to file a claim after I send those requested 3 documents. XX/XX/XXXX - I sent a letter to XXXX requesting an appeal for insufficient information that I received from Ally Financial. I did not know I was supposed to file a claim since the XX/XX/XXXX letter did not state I needed to take additional actions. XX/XX/XXXX - I called XXXX XXXX XXXX , XXXX at XXXX and they confirmed they received my letter but had not reviewed it yet. XX/XX/XXXX - I received another letter requesting I make a payment. In XXXX - XXXX from Ally called via phone and wanted me to settle the account with me. I told him the responsibility was on Ally to pay and he said he would check on it. XX/XX/XXXX - Received letter from XXXX XXXX XXXX, a debt collector, to pay {$9200.00}. I have attached all documents and notes referenced above to this claim. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
We had a Wells Fargo Business account. They called to inform us that there was fraud with our account. We lost access to our original account and they would n't inform us what kind of fraud or prove that there was fraud in our account. We had to open a new account. Our business checking accounts were linked to Medicare & Medicaid, which is a process to link our accounts to.

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 2016-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I hired XXXX XXXX XXXX in XXXX XXXX to assist me with removing items from my credit report due to age or incorrect information. This account was removed in XXXX XXXX and has now re-appeared on my credit report as an open account and showing the account was opened on XXXX/XXXX/XXXX which is incorrect and reported XXXX XXXX XXXX. I 've disputed this item several times. I believe they are trying to re-start the debt.

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 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted each of the credit agencies in regards to the fraudulent accounts that are destroying my credit history and my livelihood. I have only gotten partial results or response letters in return requesting documents I have already submitted a number of times. I have now reached my limit regarding patience with this matter. Not only have I submitted all documents required by law to prove my innocence and uphold my end regard the laws of the fcra. I have also opened investigations with the local police department and arrest have been made suspect has apprehended and charged By the XXXX county police department. However the banks and credit agencies have unjustly left this debt onto my credit report. If these accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX / XXXX XXXX XXXX ) along with the fraudulent inquiries and useless fraud alerts are not removed permanently and urgently. I will file my lawsuit and seek full reimbursement for all that I have lost due to this theft.

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 2020-06-09
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Monday XX/XX/XXXX I received a email saying that XXXX recently know as XXXX XXXX   sent me to collections for a balance of {$650.00}. I lived a XXXX  XXXX  for 2 years prior to moving out in XX/XX/XXXX. In the year that I moved out I had tremendous problems with my roommate. I have countless emails to prior management to prove this. After moving out, I received a outstanding balance bill in the mail. When I spoke with XXXX ( the current property manager ). He told me to write a letter in writing as well as through email and they would RESPOND with a counter offer. XXXX XXXX never responded as you can see from this email. I never heard anything from them in two years and i assumed it was resolved. 

The year XX/XX/XXXX, when I signed to renew at XXXX  XXXX  I had NO co signer. The cosigner that I had was from the year XX/XX/XXXX. That uncle and my family no longer spoke. XXXX ILLEGALLY, Reported him the credit bureau as well, He never resigned to cosign. Please pull the forms proving otherwise and PULL his name off of this. THAT IS ILLEGAL. 

This is a lawsuit based on the Fair credit reporting act in the state of Florida. 

I guess in the mix of the two companies merging/Switching documents were lost and merged. I have ALL my emails to XXXX  XXXX  & I'm ready to discuss this. Below, is the inital letter that was given to XXXX with the date right after receiving the bill in the mail. I also have all the emails with dates complaining about the apartments issues. We can go all day. 

But I will sue National Credit systems as well as XXXX XXXX for trying me. 

Warm regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
This account from XXXX and XXXX is more than 7 years old. I requested they remove it or show me proof of the debt and they just told me it was verified. No proof was given.

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 2017-05-20
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Georgia Departmen t of Revenue  had a tax lien on my property in  XXXX  and this lien was satisfied on  XXXX   XXXX ,  XXXX  in the amount of {$1100.00}. This is an error which should not be on my   XXXX    or Equifax credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: ALLY FINANCIAL INC.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I know I 'm being charged a very high interest with Ally financial for my auto loan, and the dealership that sold me the vehicle ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX ) charged me over {$7000.00} dollars more for XXXX insurance that I did n't ask for, along with an additional warranty contract in which I did n't ask for. My vehicle price was {$13000.00} but with the above additional charges my contract says my total financed is {$20000.00} along with a 15.45 % interest rate. I received paperwork regarding the settlement for and Ally has n't modified my loan, so I 'm still paying the same high interest rate, which I can not afford and this has affected my credit, to the point I ca n't even refinance with another lender due to the negative reports from Ally Financial on my credit report. I want to get out of this loan and have my credit report corrected due to the unfairness Ally financial and XXXX XXXX XXXX XXXX NJ has caused me to endure. It 's bad enough that I have been discriminated against because of my race, which I would n't have known about if it was n't for the information from CFPB, but this is affecting my credit in a negative matter where I ca n't even get a lender to refinance me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Credit score is frozen and lowered to a misrepresented score that doesnt match history. No inquiries or no new credit accounts. All payment history represents stellar payment history for over 15 years and 1 open account with a payment history reflecting stellar for 4 years never delinquent. The two credit bureaus owned by XXXX XXXX are XXXX and Experian these are the only 2 reflecting negative scoring. These scores were altered and its history by XXXX to reflect negative scores.While they both have different scoring models somehow they show the exact same score of XXXX. The score of XXXX does NOT reflect 15 years of stellar payment history nor is it a reflection of the current account of 4 years stellar payment history.

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 2020-06-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Sir/ Madam, I am writing to file a complaint against Moneygram for their unfair business practices. I used their money transfer services to send XXXX USD from my XXXX account to my own account in XXXX. I did the transfer and received an email on XX/XX/XXXX that the transfer has been sent ( The Reference # for this transfer is : XXXX ). I did not receive the amount and asked them to cancel and refund for the same. I have been calling their customer service for the past one month and they made an excuse that it would be refunded within days which never happened. I look upon the CFPB and wish to issue the complaint about refunding my money from Moneygram. Kindly consider this complaint as a high priority and I hope you will understand the situation. Expecting a positive outcome soon. 

Kindest regards, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-23
Company: Colony Brands, Inc.
State: KY
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:
Swiss Colony  claims that I have a charge off credit card in the amount of {$390.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A student loan from the Department of Education app [ ears on my Transunion credot report for {$33000.00} ... ... ..It reports this as a still open account with a balance. This account and loan has been paid off and there is a zero ( XXXX ) balance. It reports correctly on XXXX. this needs to be updated and corrected, and removed from the report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation