BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-08
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:
Transunion is re-aging and reporting incorrect data on my credit report.According to my credit report dated XX/XX/XXXX, collection account XXXX XXXX XXXX reporting an open date of XXXX XXXX. As of XX/XX/XXXX, the open date is now reporting XX/XX/XXXX. I have attached copies of my identity and information requested that the debt is actually mine for your review. Thank you for your time and assistance

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 2022-05-05
Company: OLD NATIONAL BANCORP
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
My XXXX XXXX traded in my vehicle and used my money to put a XXXX XXXX in his name only. He did not have my permission to do this. 
I am XXXX XXXX XXXX but Old National protecting just his interest ... Refuses to allow me to continue to pay on my primary vehicle. 
He has his own primary vehicle. 
I feel they are discriminating against me I have questioned State Attorney General and many financial institutions and informed me.. 
That although I was not added to the loan I should be able to continue to make the payments until I can get a court hearing to show that either one the vehicle should have been my vehicle and in my name. 
Or to be refunded for the vehicle and the cash that was placed for the vehicle.. 
I have been making the payments on this vehicle the whole time when it left a lot the insurance was in my name I have shown proof of the vehicle that was traded in I had just had it registered and still had the stickers on the registration. 
Included my bank statements which show the {$10000.00} withdrawal on XX/XX/XXXX because I originally was going to buy and XXXX from another dealership however that XXXX had maintenance issues and was waiting for parts and it was taking too long. 
While I was at the dealership when XXXX put this only in his name I was not aware that that's what was taking place as I was on the phone dealing with my employer and taking care of a XXXX  that was in need. 
This is not the only financial scam that XXXX XXXX has taken advantage of with myself and my children and I have a XXXX  pending against him in the meantime Old National has refused to allow payments to be made on the vehicle.. 
Have refused to hear or receive the copies of the contracts XXXX XXXX gave to me and signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: MI
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$4100.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$6000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX BANK XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX should not be reporting to Equifax and XXXXXXXX a collection/chargeoff in the amount of {$3400.00} on THE XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) On XXXX I provided the apartment manager a formal written notice, signed by a notary, that I would be vacating the premises and terminating my lease that was ending on XXXX. This notice was provided within the ( 60 ) day time period outlined in my lease. I have attached a copy of the written notice which was notarized for reference. This account is not in collections, there is no outstanding debt owed. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted The XXXX Apartments, as well as the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX**** Date Opened : XX/XX/XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX**** Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

I sent a certified letter on XX/XX/2023 ( see as attached ) and I have documentation it was received ( see attached document ), but as of XX/XX/2023 there has still not been any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, I had let the auto insurance cancel that I had with XXXX XXXX, since I had signed up with XXXX XXXX. When I spoke to them they informed that they insured me for 10 days after the XXXX, which i never requested, i was told that they do that as the contract allows them to. I asked them to send me the contract and circle where it gives them that right, they send the original document however where not able to show the clause that allows them to cover me once the policy expires on the date of payment. they continue to refuse to remove the amount they say i owe and have no sent it to a collection agency. They are now under XXXX XXXX and are showing to be XXXX XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have an active loan with XXXX XXXX that began in XX/XX/2016. I filed bankruptcy but had this loan excluded from the bankruptcy and made/making all payments. Court papers were filed and are on file with XXXX XXXX that this loan was excluded and remains active. 
I spoke on the phone with a customer service rep who acknowledged that XXXX XXXX had the court information. 
XXXX XXXX continues to report that the loan is in bankruptcy, reports late payments, and won't provide monthly statements.

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 2020-10-20
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company sent me a letter stating that they would give me a 10 % discount on a debt. The debt was {$4800.00}, and according to their letter, they would allow me to settle the account for {$4300.00} ( a savings of {$480.00} ). The letter said I could pay online, so I signed up for an account, clicked on " offer letter acceptance instructions '' and followed the directions it provided to make my payment. I submitted my payment for the {$4300.00}. Then the next day ( today ) I checked the account, and it said I still owed a balance of {$480.00}. I called them and aside from being utterly rude and giving me the run around, they said that somehow I didn't check the right offer box when I made my payment so they will only consider it as a payment toward the entire amount. Basically, I made the EXACT payment they said would settle the account, but because I didn't check a box when I submitted the payment online ( a box which doesn't exist ) that I now have to pay the full balance. I have copies of the offer letter and a photo of the the payment instructions on the screen which doesn't have any " offer box. '' I followed 100 % of the instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
entire time 10 years until XX/XX/2020. XXXX makes my blood boil. I have called and was lied to told to provide my checking account information over the phone in order to turn my cell phone back on. i called at XXXX them at XXXX {$300.00} was added to my bill. 

Scam scam scam I was told I can not call the office of the President just to write to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX. I did three thousand times. the last letter I mailed on XX/XX/2020. Two collection agencies later. 

I chose to leave XXXX XXXX every time I called the XXXX supervisor would threaten me on a recorded line. I need peace of mind and a good Heart to beat inside of me. Im on a XXXX XXXX due to the stress at XXXX XXXX   taking all my money 4 10 years.

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 2022-09-08
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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days. 

Y'all are required by law to do so. 

Please investigate my disputes please. 

Thank you

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 2020-10-20
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I notice 3 negative items from Jefferson Capital System LLC on XX/XX/2020, each was for some alleged debts of :XXXX, and XXXX.These are debts that i do not owe or recall having.I sent them letters concerning the negative items that i have not received certified mail with return receipt for proof that they received the letters in case of legal issues

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29
Company: Reliant Financial Corporation
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a auto account from gold acceptance/reliant financial services that is continuing to report the the credit bureau that I owe on this account and I sent them paperwork that shows that I paid the car in full and have a release of liability and they refuse to take it off my credit report and it is damaging my credit and they are trying to collect a amount that is false as well I have the paperwork to show all this if needed

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 2016-08-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
We represent a XXXX of limited financial means. On his behalf, we sent a letter to this creditor requesting no further contact of any kind. Although the creditor received this letter requesting no further communication ( as evidenced by the creditor now sending communications to our client at our address ), the creditor continues to send our client monthly statements. By continuing to communicate with our client after receiving his request for no further communication, the creditor is violating Section 805 ( c ) of the Fair Debt Collection Practices Act.

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 2016-12-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is XXXX on my credit report that I feel is inaccurate in its filing. As a XXXX, I am protected under the XXXX of 2008 and therefore should not be reporting as a derogatory. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " XXXX '' for XXXX years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit and hindered my military XXXX actions. I feel as a XXXX military entity that I have forfeited my XXXX and XXXX abilities for the government and I find it unworthy for the credit reporting agencies are not being held accountable to the law. I am requesting that CFPB advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: CITIBANK, N.A.
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:
Inaccurate date on last payment.Last payment was made on XX/XX/2015 but creditor has reported XX/XX/2015. 
Reporting credit company has no done sufficient investigations

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 2020-02-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 entered the Public Service Loan Forgiveness program last year and began making monthly payments. However, my student loan payments are not being applied to the PSLF program. 

In addition, my monthly payments be applied across all of the loans interest, instead of specific loans, making it nearly impossible to pay off the student loans. 

Finally, the student loans on my credit report show a higher balance due than the credit limit. I believe this is impacting my credit score since theyre installment accounts. On all these revolving accounts the balance due can not exceed the high credit limit or my credit score gets hurt rapidly. XXXX has not provided a document, with each loan number listed, showing the high credit limit matches the balance.

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 2017-03-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Was caught up in a real estate scam. Now I have a mortgage in my name for a house I do not own or live in. XXXX Years later, no one is making payments on the house and instead of foreclosing and ending this nonsense Wells Fargo wants me to somehow magically get the title back in my name. They wo n't foreclose and they have attorneys contacting me to tell me to transfer a title back into my name that I ca n't possibly do. XXXX complaint here also, everytime the rep from Wells Fargo contacts me he rude and ugly towards to the point of me yelling at him on the phone.

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 2022-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've sent several letters out to XXXX, XXXX, and Equifax regarding the reporting of inaccurate information reported on my credit report and the impact it has on my ability to help my family. Tracking number numbers : XXXX - XXXX XXXX - XXXX Equifax - XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; roles of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer, reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete this investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To Whom It May Concern, I requested credit freezes on my credit approximately 6 months ago following attempted fraud involving my social security number. Today, XX/XX/2020 is my third time period ( different months ) experiencing the same exact problems with Experian 's online and phone processes for temporarily unfreezing my credit following phone and internet requests by me to temporarily unfreeze my credit so that I may apply for credit. Supposedly, a temporary unfreezing of my account can be implemented with an hour of my request ; however, Experians process takes me weeks every time. The past two time periods that I attempted to temporarily unfreeze my credit, I had issues with Experian 's phone and online request processes ; ultimately requiring hours of my time and multiple weeks to resolve. 
Experian 's resolution each time, without explanation or justification or future resolution, was for me to send my private and personal information, again, and eventually, weeks later, recieving a pin to temporarily unfreeze my credit report. They have not offered to fix this issue or even provided a resource within their organization that can troublshoot the repeated falure of their processes that do not allow me to immediately and temporarily unfreeze my credit. I am unable to get live support from anyone who can explain why I must submit, by mail, all my private and personal information, to wait, for mail again, for yet another new pin each and every time I request a temporary unfreezing of my credit. My understanding is that I should be able to unfreeze my credit, temporarily, within an hour of my online or phone request ; 24 hours would be managable. Three weeks is detrimential to my personal and professionally finances having potential to jepordize my livelyhood. Any assistance getting immediate and qualified Experian live help to resolve this once and for all is my goa ; Please Help! 

Frustrated, Aggravated and Anxious, 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