BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-17
Company: Experian Information Solutions Inc.
State: WA
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:
Experian and XXXX  are reporting incorrectly a collection in the amount of {$4800.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I had insurance coverage at the time and went to an in-network provider. This charge is in error and was covered. This false reporting of a collection is seriously harming my credit score and  this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-04-20
Company: Experian Information Solutions Inc.
State: DC
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:
On XX/XX/XXXX I sent a dispute to Experian ( via certified mail ) to dispute incorrect account ( XXXX ). I have never done any business dealings with this collection agency. The original creditor ( XXXX XXXX XXXX XXXX ) in who they are stating that they are representing for, I have directly settled this debt with them back in XXXX of XXXX and received two receipts from the original creditor before the company sold the property in XXXX of XXXX. 

I provided both receipts from the original creditor to Experian as proof of evidence, and on XX/XX/XXXX Experian sent me their results of my dispute, in which they stated the account is still being reported collection with no changes, and the account being removed in XX/XX/XXXX. 

The issue I have with Experian results is as follows : 1. ) I have been disputing this account for over 6yrs. and every time they deny in removing this account, they also fail to honor my request when denying to remove this account after their investigation, with forwarding me proof of validation from the reporting collection agency ( XXXX  ) that I owe this debt and directly to them. 

2. ) I continue in every dispute over the last six years to Experian in showing proof with contact information from the original creditors attorney, that I paid the correct balance of {$2500.00} ( not {$4600.00} ) directly to the original creditor and was given two receipts ( see attachments ) from the original creditor that all obligations was settled in full in XXXX of XXXX ( 5 month before XXXX reported this inaccurate account with XXXX  ). 

3. ) Never heard or or done any business dealings with XXXX. I have contacted this agency on numerous occasions and filed a couple of complaints with your organization and their local XXXX. This agency refuses to send me validation of proof, even after requesting and demanding for them to please contact the original creditor for validation/confirmation that this account was paid in full with them directly. I have also sent them the receipts from the original creditor itself and they refuse to update their records.

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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Formerly, I made an investigation of some account with inaccurate information in my file. I recognized that the account XXXX  XXXX Date opened XX/XX/XXXX is still incorrect, with a confirmed status.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to FIX this account ( A ). 
XXXX XXXX Date opened XX/XX/XXXX Balance {$100000.00} Never Paid Late. The records reflect a 90 days late on XX/XX/XXXX without preceding 30 or 60 days. This is a massive error. Investigate all records closely. Ensure all info is truly accurate. Per FCRA, reporting must be 100 % accurate. Fix negative marks that damages my entire file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-27
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from them stating that a judgment has been entered against me XX/XX/XXXX for {$7000.00} from XXXX XXXX XXXX which was part of a settlement of bills that were paid from a car accident I sustained XX/XX/XXXX. The attorneys were XXXX. The letter said that failure to comply will result in my arrest and incarceration. I also had a levy placed on my checking account and {$2500.00} plus {$120.00} legal fees were deducted from it. the letter states that I owe {$7000.00}. My checking account is now in a negative status. I have never been contacted by this firm before nor was i ever given proper notice about this bill. I tried to contact them today over the phone and spoke to XXXX at XXXX who is a paralegal who was rude and gave me no information on my account. She tried to manipulate me and then told me to have an attorney contact them. I then emailed them at their website to find out what is going on and to have them immediately contact me about this. I am distraught and completely outraged that this bill XX/XX/XXXX that I had no knowledge of was filed without my knowledge and my money was stolen from my bank account. I am filing a complaint because I want my money back and I want this firm held accountable for their deceptive practices. I am currently dealing with XXXX and am devastated by this and I need to focus on getting better but can not because I have no bank account nor can I pay for my rent or food. Please help.lThanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and two other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items 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 2019-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is reporting 90+ days outstanding of 4 student loans. This is inaccurate for the reasons summarized below : 1. I paid my account as required by the agreement with XXXX 2. XXXX is inaccurately reporting my student loan dept as a credit card debt! 
4 XXXX switch their invoicing method to paperless with notifying me 5. I did not authorize XXXX to switch my billing to paperless 6. I was not notified by XXXX that my payment was past due 7. I appemtepted to make payments via their website as directed by XXXX 8. My ( multiple ) online payments, via their website did not post to my account 9. My personal information had multiple inaccuracies ( email, address, name, etc 10. XXXX is still reporting account that were paid in full as open 11. XXXX is reporting late payment on closed accounts - w 12. I open three ( 3 ) diedsputes with XXXX spanning 6 months and my credit report 13, In each case they took more than 30 days & NEVER provided notification of result They have ruined my credit with INACCURATE reporting and flaunting Federal Law! 

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 explanation
Consumer complaint received 2017-05-26
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
This complaint is late and for that I am sorry. Back in XX/XX/XXXX XX/XX/XXXX wells fargo opened up a business account without my permission also opened one told me a waiver of fees was on it for a period of time then reneged on its promise which is misrepresentation. I am unaware but need to know if this would fall under the class action suit currently being pursued. It caused me aggravation, loss of time, demoralization and financial heartache. I know the business savings was unauthorized. this was done in XXXX NJ by someone named XXXX. Lies lies lies about fees being waived. No calls returned by district managers in response to mine. My concerns. I want to know what can be done esp since I had ot move my business account to XXXX XXXX XXXX due to the lies. at wells fargo about waiving fees on account I authorized. Savings account I did not. this was in XX/XX/XXXX what can be done?

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 2015-04-22
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this collection with Midland Funding in XX/XX/XXXX and it 's still showing a STATUS as OPEN, in collection and 90 days past due as XX/XX/XXXX on my XXXX and XXXX credit reports. I have made numerous phone calls and disputed this info to the company at least XXXX or XXXX times since I paid the collection in XX/XX/XXXX. All I have asked the company to do is update the collection iwith the correct info and show that is a paid collection. No such luck as of yet. Every time I dispute this collection it shows up with a new collection reporting date as if the collection is new. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: Green Trust Cash, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
The Loan was taken out XXXX XXXX, XXXX since then My family and I have been struggling to pay our Rent and have food in the house every week we have XXXX come out that we could use for food or gas we are in the process of trying to get ourselves on track we took out XXXX loan to pay back XXXX thats hurting us bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Abo ut ten y ears ago, my then husband had unknown to me gotten a credit card with my information. My ex husbands abusive behaviors led to our divorce at the time.   Lo and behold, I get a garnishment summons for an amount t I have no clue of. I have never had a  XXXX   XXXX  charge card.I have been divorced from my ex husband for 13 years now. I tried explaining to these  collectors bu t they wo n't budge. How do I support  XXXX  kids with my pay garnished.? Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion has placed a tradeline on my credit report that does not belong to me.

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 2022-03-25
Company: Chime Financial Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To whom it may concern : on XX/XX/2022 On my Chime checking account I was charged twice by the same company ( XXXX & XXXX ) 1 ) {$120.00} at XXXX am and anotherfor {$120.00} at XXXX there was no store # included on my bank statement. I called Chime right away and they stated I need to wait until the charges have been finalized. I call back in 2 days and filed a dispute for those charges, the claim was denied stating Chime could not find any errors. I called back and spoke to Manager XXXX XXXX XXXX ID XXXX. He stated if I could send some sort of documentation, I sent over my actual completed form stating I was working that day and that my debit card was on me at the 1st charge at XXXX. I also asked if I could have the store location so that I could call them and see the camera 's that I was actually there, he stated he does not have that information. Per XXXX & XXXX customer relations stated " That in order for XXXX & XXXX to charge a card, we have to get approval provides the back/Card. The approval provides the bank/card with all the merchant information like store #, address and mechant numbers. for a dispute and or/ police reposrt, this documentation need to come from the bank/card for record. They '' ll need to provide the transaction details for any transaction it approves or posts. '' I have also filed a police report # XXXX. I have received another email from Chime stating it was denied. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Starting near the beginning of  XXXX , I have been making multiple requests to change my payment due dates to coincide with the  XXXX  of the month. FedLoan Servicing promises that these will be processed with in ten busin ess days, but has failed to do so time and time again.     More rece ntly (   XXXX   XXXX  or  XXXX  ), I have begun making daily requests about this issue, all of which have gone unanswered or unnoticed. They simply refuse to get back to me at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
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 received a copy of my credit report and noticed errors, fraudulent activity and names. 
XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. 


My correct my name is XXXX XXXX XXXX Please delete ALL fraudulent names - from my report My current address - XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX Please remove all incorrect fraudulent or older ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate. 

Please remove outdated XXXX XXXX   I never worked there XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Credit bureaus are reporting unverified public records and not giving information where exactly did they receive source of information, actual person spoken with, name and address signed under penalty of perjury, in direct violation of FCRA, state and federal laws.

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 2017-02-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
On my Equifax credit report, there is a XXXX XXXX XXXX XXXX XXXX, Tx XXXX address listed that I have never lived at. I have lived at the XXXX XXXX, XXXX XXXX address and the XXXX XXXX XXXX, XXXX address but not the XXXX Tx address. Please look into the XXXX address and see why that address is showing up under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX XXXX has a XXXX loan under my name. I did not sign, give consent or agree to a XXXX loan. The XXXX loan is for the same vehicle that I had purchased ( the letters they sent home to me have a different account number than the original account, yet has the same VIN # of my car ). I filed a dispute through Equifax as I also tried working it out with the company. It has been more than 2-3 weeks that I have been calling/emailing XXXX to fix this issue. Recently, I noticed on XXXX XXXX that it shows up as " paid and closed. '' Yet, it also says that I was late on a payment. Since I did NOT sign, give consent or agree to the second loan, it should NOT be showing up on my credit at all. This morning I received an email from Equifax indicating that they contacted XXXX and got verification that the loan belongs to me. I think that it also shows up on XXXX, but that is why I am hoping that by filing this complaint, pressuring the company to fix their mistake and having them report to the credit agencies that it is NOT my loan and that it was THEIR mistake, will clear everything. I am also requesting a written letter from the company indicating that they in fact did make the mistake and the steps they took within the past 3+ weeks to fix it. I want that letter just in case this issue ever comes up again and I have written proof that the loan was a mistake and it does not reflect my financial decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
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: Information belongs to someone else

Complaint:
equifax and XXXX not showing or letting me see a free copy of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-01
Company: Bridgecrest Acceptance Corporation
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was contacted this morning regarding my delinquent auto loan. I am past due {$460.00}. I have been asking for a deferment on this payment for months. Every time I contact the company asking for assistance I am told no. So I have continued to make my required monthly payments. Today, I was contacted by a representative and was told the my car was actively out for repo and that I had to make a payment or they were coming to get my car immediately. So I set up a payment that I can not afford. Shortly after this phone call I received an email from the company offering me a deferment on my past due payment. So I called back hoping for some assistance and I spoke a representative by the name of XXXX. I advised him of the email that I received and expressed that I would like to take advantage of that offer. He told me that the email is just a suggestion and that my account did not qualify for a deferment. I told him that the email stated that I did. I then requested to speak with a manager at which point he told me that he would submit my account to a manager queue and a manager would call me back at some point. XXXX representatives were extremely unfair, deceiving and abusive. The representative by the name of XXXX stated, " Go ahead theaten me, I ai n't doin ' nothin ' wrong. '' when I advised that I needed to speak with a manager.

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