BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2015-06-24
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company was reporting debts on my credit report that were unfamiliar to me. After seeking legal council I was advised to exercise my right to request validation of the accounts pursuant to the Fair Debt Collection Practices Act. In correspondence dated XX/XX/2015, the company received my demand for validation. This company simply ignored my request and did not bother to respond to me, concurrently they verified the accounts with the credit bureau following my dispute with the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2020-08-12
Company: Patenaude & Felix A Professional Corporation
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have received collections attempts from 5 different companies in the past year. I have been unemployed or underemployed since XXXX and this latest company has increased the loan by almost $ XXXX in the last 6 months. I dont know how to deal with these companies because even when I was able to afford to pay them the amount of money owed never seemed to reduce. In fact, it just seemed to increase every time it switched hands. The original loan with XXXX XXXX  was for {$8600.00}, today I owe {$7200.00} according to XXXX XXXX XXXX XXXX. According to XXXX, XXXX and XXXX XXXX, XXXX, I paid appx {$8500.00} between XXXX on this loan. However in a packet from them dated XX/XX/XXXX, I found out via a note disclosure statement dated XX/XX/XXXX that my loan was actually for {$22000.00} which I did not know and if I had known, I wouldve never agreed to it. This was for a 6 month, 2 night a week XXXX XXXX  that promised job placement, ongoing use of facilities and equipment and ongoing education. Not only did XXXX  XXXX XXXX XXXX not fulfill their part of the agreement, they closed without notice 3 years after I attended the course. When I attended the school they had 44 locations, a very big selling point. They currently operate in only 6 cities. 

Additionally, I accepted this loan with the understanding it was a student loan to an accredited school. It was XXXX-certified to operate in Virginia from XX/XX/XXXX to XX/XX/XXXX. The school had an admissions  set up just like a XXXX college and I was very young/naive to believe it was legitimate. I come from a family with very little money, my mother and I didnt know or understand that we were entering a contract for an unsecured personal loan or how badly that would come to effect both of our lives and credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: OH
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:
My Car was in an accident that resulted in XXXX insurance totalling the car XXXX paid XXXX at XXXX XXXX XXXX in the amount XXXX XXXX is still reporting this account as a balance owed and the car is out for repossesion that car was totalled and returned via my insurance company. please see attached email and receipt showing payment

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 2015-09-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Portfolio Recovery Associates sued me in Colorado court without proper notice of a court date or verifying the credit card debt. They told me it was a valid debt and I had to pay and that their " litigation '' department had verified the debt. I ended up paying something like {$7500.00} to them since they garnished my wages and I just saw the CFPB article about Portfolio Recovery Associates illegal activities by XXXX so I want my {$7500.00} refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: EQUIFAX, INC.
State: NC
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 been going back and forth with Exquifax and XXXX  for almost 4 years. 
My credit report had several items on it that do not belong to me. Tons of inquiries that I have no knowledge of. My identity was stolen years ago. I forwarded all of my info over to the bureaus with a police report and all. Also I was a victim of identity theft by someone proclaiming to hire me on a job last year. ALL OF MY PERSONAL INFO WAS STOLEN. I have a police report to show that I reported it. I passed on to each a Bureau but nothing has been done. 
The only thing that they do is have lenders call to verify my identity when I need to pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian and XXXX  have been reporting these fraudulent accounts under my name XXXX XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXXXXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX, XXXX.is fraudulent on my credit Account # 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 2020-08-12
Company: CAINE & WEINER COMPANY, INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted XXXX T by email on XX/XX/XXXX, regarding a {$61.00} debt a company called ERC stated was assigned to them from XXXX XXXX XXXX. I received a response on the same day from a representative stating she would reach out to me. I went back and forth on email with this representative for a week and was transferred via email to a different representative who stated the account was located on XX/XX/XXXX. I was not familiar with the account number the second representative provided and it did not match the account number ERC was reporting to XXXX. I was told it could take up to four weeks before I receive the bills since they were in the archived system. On XX/XX/2016, I contacted the XXXX XXXX XXXX representative by email stating I had not received anything about this {$61.00} collection. On XX/XX/XXXX, I was told that the archived image would be online in their billing system in the next three days and I would be sent XXXX invoices, which I can only assume totals {$61.00}, the following week. It is now the evening of XX/XX/2016, and I have not received anything from a national company that is willing to put a collection for {$61.00} on my XXXX report. If they were able to see there was a bill or bills on XX/XX/XXXX, then it makes no sense it 's at a month and a half later and I have n't received any verification of this debt. I could n't know if this is my debt or not while it is continued to be reported on my credit report and there is not any notation from the collection company on my credit report stating that this account is disputed. I completely do n't feel like I 'm dealing with a large company, because their response seems to constantly be to delay me having any type of verification.

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
Consumer complaint received 2016-12-02
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had contacted the debt collector on numerous occations and direct disputed it stating that a debt for XXXX was not mine. They were very rude the first 3 times. The last time I contacted them I had XXXX on a recorded line so they could verify that I was not the person they were trying to collect the debt on. I had asked them to get this debt off my credit report because it is not mine and it still is showing up and I am very upset that my credit score is hurting because of debt that is not mine. I want to know why it even showed up on mine. Do they not check SSN or Birth dates. Me and the other girl have similar names but not same birth dates. I am very upset and I would like an apology for the way I was treated by the company. I told them that and I got no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-26
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I had a collection from XXXX, I disputed it and XXXX found that I was correct, this was identity theft. since then I 've had XXXX companies try to collect the same debt, every 3-4 months I have to redispute with a diff company to have removed. this is dropping my score and interring with my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 contacted XXXX numerous times regarding my account and continue to experience credit reporting issues. 

I recently received a credit alert suggesting XXXX reported my account 30 days delinquent. Notably, I have been on a forbearance plan since the onset of COVID-19. Please see the attached confirmation letter from XXXX confirming the extension of my forbearance plan thru XXXX/XXXX/2020.

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 2020-01-08
Company: World Acceptance Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On numerous occasions privacy laws were broken. World finance in XXXX tennessee called numerous family members threatening a warrant for my arrest if i didnt make a payment. Permission was never given for the company to tell anyone aboit my loan and to harrass ans threaten me over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: U.S. BANCORP
State: GA
Product: Credit card
Issue: APR or interest rate

Complaint:
My interest rate has me paying over a XXXX dollars in interest since XXXX of this year it went from 6 percent APR to over 20 percent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: NC
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 been going back and forth with XXXX and Experian for almost 4 years. 
My credit report had several items on it that do not belong to me. Tons of inquiries that I have no knowledge of. My identity was stolen years ago. I forwarded all of my info over to the bureaus with a police report and all. Also I was a victim of identity theft by someone proclaiming to hire me on a job last year. ALL OF MY PERSONAL INFO WAS STOLEN. I have a police report to show that I reported it. I passed on to each a Bureau but nothing has been done. 
The only thing that they do is have lenders call to verify my identity when I need to pull my credit

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 2020-08-12
Company: Experian Information Solutions Inc.
State: NC
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 contacted XXXX numerous times regarding my account and continue to experience credit reporting issues. 

I recently received a credit alert suggesting XXXX reported my account 30 days delinquent. Notably, I have been on a forbearance plan since the onset of COVID-19. Please see the attached confirmation letter from XXXX confirming the extension of my forbearance plan thru XX/XX/2020.

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 2016-06-13
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
On XXXX XXXX, 2016, I applied for a loan with Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX. XXXX XXXX, XXXX, MI XXXX. I was approved for {$600.00} and told that the total amount to pay the loan off would be {$810.00} ( with an interest rate 35 % ). I agreed over the phone to pay off the loan at {$810.00} ; however, after the money was deposited into my account, Big Picture Loans sent me a different agreement which stated that my annual percentage rate was 740.258 %, and instead of {$210.00} in finance charges, I would pay {$3600.00} in finance charges. I called the company after discovering this and informed them of my concerns and was unable to resolve the issue. As a result, they have automatically deducted {$210.00} every two weeks from my account, to date, totaling {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am a XXXX representing a seller involved of the short sale of th their property. The second lien holder ( a member of the HAMP and HAFA ) program is refusing to approve acceptance of the short sale with the amount of {$12000.00}. afforded to them by the first lienholder in compliance with HAFA rules. Instead, they are using this as an opportunity to collect a debt for much more than that ( {$41000.00} ). 
I have written them and talked to them on several occasions and they have advised me that the loan has been charged off. In my point of view, they are in violation of HAFA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: AES/PHEAA
State: IA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX XXXX representing XXXX XXXX called XX/XX/XXXX in an attempt to settle up XXXX accounts they are trying to collect for XXXX Student loan Trust. While talking to XXXX XXXX she had stated that XXXX would settle for {$29000.00} and then the next day I was sent an email saying that XXXX would settle for {$43000.00}. I feel that this company is not a reputable company if not a scam. I have recently sent them a letter requesting them to send proof that these loans are valid since XX/XX/XXXX we filed bankruptcy on these loans and feel that they have been satisfied then.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
ERC is fraudulently reporting on my credit reports claiming that I have a debt with XXXX in the amount of XXXX. This phone acct was fraud under my name as I did not open this account After numerous attempts with ERC as well as the credit bureaus, they have not provided me with proof such as my actual signature in opening this such account therefore still not removing this account on my credit report. They continue to tell me they verified it was mine but no proof!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08
Company: ERC
State: NH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A letter was received from ERC in XXXX Florida stating that XXXX XXXX owed {$770.00} for XXXX when in fact he has never ever had XXXX for a telephone company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12
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: Information belongs to someone else

Complaint:
List of names addresses and accounts are all in my credit report that isnt me I try calling to Get them remove was told I couldnt remove them bc they are associated with address and account that arent mines! I would like all the names and accounts investigate and removed 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 2020-08-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX is reporting incorrect information on my credit report. Per my conversation with this company, they were supposed to update their information to reflect account was paid. It is still open on my credit report and not showing that it was paid in full according to their terms that were offered. 
I was told that if settled that this item would be removed.

Company response to consumer: Closed with explanation