BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
" XXXXXXXX XXXX  '' using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer 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 non-monetary relief
Consumer complaint received 2020-05-23
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Transaction ID XXXX was denied even though I let PayPal Dispute know that the item was never received, a bogus label was recreated, and I let the company know days before shipping that the Array would not fit my XXXX  XXXX XXXX. I emailed the company several times, but my emails were ignored. This company did not let me know the order was coming directly from XXXX. I do not want any items, products, mail directly from XXXX in my home at this time. 
PayPal did not notify me of this case being closed in the favor of the seller. 

Invoice ID XXXX PayPal Dispute is closed and can not be reached by phone or via email. The dispute was closed on XX/XX/2020 and no one notified me via email of this decision in the favor of the seller.

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 monetary relief
Consumer complaint received 2023-01-07
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX  I changed insurance coverage for my car to XXXX XXXX through XXXX ( then XXXX ) from XXXX XXXX. My previous insurance was expiring on XX/XX/XXXX but I canceled on XX/XX/XXXX because I got a new car and the new quote they gave me was too high for my budget. Upon cancelation which they acknowledged a day before expiration XXXX sent me a bill of {$110.00} outstanding payment which they did not explain what the charge is for or why I am being charged. I sent them evidence that I canceled before time and sent the declaration page for the new insurance but they handed me over to a debt collection company XXXX Credit Collection Services ) who threatened to report me to the credit bureau if I don't pay the outstanding amount. I agreed to a payment plan which they approved and made the XXXX payment on XX/XX/XXXX ( see attached ). However, I received my credit report in XXXX and it shows that a derogatory remark has been posted on my report from them on account of this collection. They also sent a letter to me that the agreement is cancelled because I defaulted in the agreement which is false because the money had been deducted from my account already. This is so unfair, firstly I was cheated to pay for a coverage I did not enjoy, then reporting me to the credit bureau for a collection they already made. I need a quick intervention to clear my credit records and also to get a refund for the unjust charges I received. This mis-representation of my credit record already depleted my credit scores by XXXX points so far and will have lasting impact on my records.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: EQUIFAX, 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 husband and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove these from our report since we first found out 5 to 6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these fraudulent items from my report. 

XXXX  XXXX XXXX  XXXX {$680.00} XXXX/XXXX XXXX   XXXX {$420.00} DEPT OF EDUCATION/XXXX  XXXX {$6000.00} XXXX XXXX XXXX XXXX {$32000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
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:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX IN RESPONSE TO CFPB : XXXX Dear Sir/Madam : On XX/XX/XXXX, I have wrote several letter of dispute I have been ignoring and the proper protocol was not used to determine my dispute reason permitted by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX XXXX XXXX  Closed : XX/XX/XXXX XXXX {$11000.00} Closed XXXX CARD Closed : XX/XX/XXXX {$0.00} Closed Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 
If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive  damages as the court may allow ; and 3 ) costs of the court action, plus attorneys fees. 
I have forwarded a copy of this letter to the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: World Acceptance Corporation
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the ftc online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24
Company: Emergent Business Group, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Some time in XX/XX/XXXX, after I pulled my Credit report from credit engine XXXX, I discovered accounts on my credit report that did not belong to me. About a year later, On XX/XX/XXXX after spoken with a friend, he recommend me to file a Police Report, so I did. On XX/XX/XXXX, I started disputing the wrong information on my credit report, I sent my first dispute to the Credit Bureaus. On XX/XX/XXXX, I submitted my third dispute ( the account mentioned below was included ), months went by and I finally was able to remove all the wrong information on my credit report. Since my last dispute XXXX, XXXX, I recently received a collection letter from EMERGENT SERVICING, trying to collect an alleged debt with an alleged CURRENT creditor name : XXXX XXXX, XXXX, from an alleged original creditor name : XXXX XXXX XXXX. That account is part of Identity theft Issue and was listed on my FTC that I sent on XX/XX/XXXX that it is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Since XXXX 2017 I have disputed a bankruptcy on my credit report that is not mine, XXXX, XXXX, and TransUnion are claiming to investigate it but my contact to the court denies this. XXXX claims to get this info from XXXX who I did contact by certified mail with no response ...

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 2023-06-27
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested a forbearance, and then called back to begin making payment. Instead I was told I was required to apply for a loan modification. I said that was ok. Without submitting any documents, I was allegedly reviewed and then denied a modification. I received a notice of default for {$3.00} XXXX, XXXX XXXX, XXXX dollars. I offered to make larger payments, at XXXX per month, but PHH refused. 
I am unclear how I was reviewed since I never submitted a written application. I was denied because of value. Please note I only 0we XXXX on the first loan, no seconds or other liens, and the house value is {$360000.00}. 
In addition, PHH scheduled a phone call with my relationship manager, at XXXX on XX/XX/XXXX. 
It appears PHH is doing everything they can to force the sale of my home. I ama senior citizen, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was accepted into the XXXX XXXX XXXX Loan Repayment Program, through the Texas Higher Education Coordinating Board. In exchange for working five years full time ( as a XXXX XXXX XXXX ) at an approved facility providing XXXX XXXX XXXX  in a shortage area, my existing student loan would be repaid each year until completely repaid by the Higher Education Coordinating Board. 
I have fulfilled the requirements by working full-time in my position as an XXXX  However, there is still {$8000.00} + remaining on the loan balance because the Higher Education Coordinating Board had poor accounting practices, and accepted new applicants yearly without setting aside funds to adequately repay loans for applicants already in their program. 
The Higher Education Coordinating Board tried to coerce me into signing an additional contract with the Federal Government for loan repayment, but it was not an appropriate option as there were significant additional penalties and commitments attached. 
I have tried repeatedly to resolve this issue with The Higher Education Coordinating Board, as I am XXXX years old, have been through XXXX XXXX XXXX  and XXXX XXXX, but continued to work full time for five years to honor my commitment. 

The response of the Higher Ed Coordinating Board is indicative of Fraud on their part. Please help me to resolve this issue, as it is causing emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-21
Company: Experian Information Solutions 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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2021-05-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently just started reviewing my credit report and found a lot of false and unverifiable information on my report. So a month ago I send a dispute to XXXX, XXXX  and Experian. I sent the letter on XX/XX/2021 and still haven't seen any response about my disputes, they're a lot of law being broken her according to the FCRA and the recently passed pandemic CARES Act.. 

Please make these bureaus follow the LAW, not right to be taking advantage of as a consumer. I need this problem fixed ASAP I will not wait another XXXX days to receive no response because the FCRA clearly states it is LAW to have resolution within a XXXX day period. I demand these accounts be deleted immediately or will file for litigation due to the financial damage you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX  was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2021-09-30
Company: Bridgecrest Acceptance Corporation
State: DC
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:
Bridgecrest claims that when my vehicle was totaled on XX/XX/XXXX the insurance check that was issued didnt cover the deductible hence leaving a current balance on my account I have disputed this with the credit bureaus this however isnt true that the deductible was not included in the settlement amount is actually was included before the settlement check was issued in the amount of XXXX was the amount that was settled however when the subtracted the XXXX dollar deductible it left the amount of XXXX that was paid to them included a gap check of XXXX including the XXXX deductible as well as Vehicle service contract refund in the amount of XXXX they still are holding me responsible for the XXXX that they claim my insurance didnt cover hence why the balance is still on my account reflecting current this has dropped my credit score and put me 60-90 days late on my credit report with XXXX and XXXX however this same account that is showing open with these two bureaus was reported closed on XX/XX/XXXX when it was back dated at the time of loss is now reopen and was opened XXXX and its only showing open from XXXX and XXXX however XXXX is still reporting this account as closed but my credit has dropped with them as well Bridgecrest either was informed of the deductible being taken out of my settlement check prior to payment or they werent but I know that I shouldnt have a balance left because the XXXX was overpaid by XXXX XXXX as well as deductible from the initial settlement amount

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 2020-12-23
Company: KEYCORP
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
I received a Debit Card from Key Bank issued in my name from Illinois department of Employment Security. 

This was NOT requested and am NOT on unemployment. I tired contacting XXXX  several times and left messages. 

Want to report this as a SCAM, I did not activate the card. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Hello! I had a federal student loan ( XXXX ) and consolidated them in 2005. My balance at the time was close to {$31000.00}. I have been making regular payments since that time and my debt has only gone down to roughly {$27000.00}. I pay between {$9000.00} and {$11000.00} a year in finance charges and am having difficulty paying it off. I have called numerous times to try and lower my interest rate but I missed a payment back when I combined the loans and they said it disqualified me from the interest reduction. I also can not transfer it to a lower interest rate. I am currently paying 6.75 % interest. In the past, I have called for different payment options to pay it off faster and they directed me to the graduated plan. I recently called for loan forgiveness and AES said that I have to pay {$250.00} for the next 11 years and that is their loan forgiveness program. I have already been paying for 11 years. I had XXXX then transferred to XXXX and then XXXX and then they sold me to AES. Thank you for any guidance.

Company response to consumer: Closed with explanation