BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 
The following inquiries are unauthorized, and I ask that you delete them : Inquiry from- XXXX XXXXXXXX XX/XX/2023 Inquiry from- XXXX XXXX XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2020-02-13
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest Credit Systems has fraudulently flagged my credit report with a collection notice related to XXXX XXXX. I have never had an account with XXXX XXXX. I have informed Southwest Credit and they refuse to remove the collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There are a few creditors on my credit report that refuse to address incomplete information. I've sent letters twice within the last 90-120 days and nothing has changed.

ERC- {$280.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Portfolio Recovery, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, has violated the Federal Trade Commission, Fair Debt Collections Practice Act. 

SS805 ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

Portfolio Recovery violated my privacy, by sharing debt collection information with my brother, by mail, which I never authorized. My brother is not listed on any of my accounts and is not an authorized user.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: AES/PHEAA
State: NJ
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:
Forbearance months should count towards the XXXX waiver! I was on XXXX for years with a XXXX monthly payment that shows up as you do not have a bill for this payment period. I was told these would count towards my XXXX payments for forgiveness but now they are saying it wont. Myself and thousands of others are going through this many who were asp put into forced Forbearance due to being schools but still were making payments that now wont have those payments counted. This is ridiculous! The amount of hardships these loans have on the lives of Americans is atrocious! These are the reasons many people are so hesitant about furthering their education because you spend the rest of your life paying back loans and to be two times and taking advantage of my the department to education is completely unfair! Please fix this!! Forbearance should count!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe may be fraudulent and violate my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, there are several unauthorized inquiries on my credit report that I do not recognize and did not authorize, which I am requesting to be removed immediately in accordance with my rights under the FCRA. 

The following inquiries were made without my authorization : XXXX XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX - Date of inquiry : XX/XX/XXXX In addition, there are several accounts listed on my credit report that have questionable names and account numbers that I do not recognize, which I am disputing in accordance with my rights under the FCRA. The details of these accounts are as follows : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX - Account Number : XXXX Under the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report, and I am requesting that you investigate these items and take appropriate action to remove them from my credit report. Thank you for your attention to this matter. 

Sincerely, XXXX 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 2020-02-13
Company: Experian Information Solutions Inc.
State: MA
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 presented Experian with the request for support to have the incorrect information that appears on my consumer report corrected and for the removal of the items that I have listed pertain to identity theft and the misuse of my information. 
I have not received an appropriate response from the part of Experian and in my last attempt to commission support I have been left on the phone for one and a half hours and then the call was simply ended without appropriate resolution.

I am a person with a XXXX  and the continuous disregard of my concerns and poor communication is not the experience that myself or any concerned consumer should have when documenting that they have been a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Sterling Infosystems Inc.
State: CA
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:
filed date XX/XX/XXXX disposition date : XX/XX/XXXX type : Misdemeanor assault and battery disposition : convicted unsupervised probation for 3 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 2023-11-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 2020-03-11
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: Personal information incorrect

Complaint:
There is an address listed on my credit file with Equifax that I have been trying to get removed. I have never lived at that address or used that address for anything. I do not know why they continue to report it. If they show wrong addresses what else does that say about their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
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:
ON XX/XX/2020 I RECEIVED AN EMAIL FROM MY CREDIT REPORT MONITORING SERVICE OF A NEW ADDRESS THAT WAS ADDED TO MY CREDIT PROFILE. I IMMEDIATELY CHECKED ON EQUIFAX.COM AND FOUND FRAUDULENT ACCOUNTS AND ADDRESSES THAT DO NOT BELONG TO ME. I HAVE NEVER BENEFITTED FROM ANY OF THESE ACCOUNTS NOR HAVE I EVER LIVED IN FLORIDA OR UTAH OR ANY OF THE ADDRESSES LISTED IN MY REPORT. PLEASE REMOVE THESE ACCOUNTS AND ADDRESSES ASSOCIATED WITH MY CREDIT PROFILE. I HAVE FILED A POLICE REPORT AND CONTACTED EACH COMPANY INVOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: MO
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:
Experian closed 2 complaints before XXXX today without having addressed the issue in the complaints which is Experian stole 17 months of on time never late payments to XXXX and refuse to give them back

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 2023-03-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-01
Company: Tate and Kirlin Assoc
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX I received a letter from Tate & Kirlin as an attempt to collect a debt. This issue was resolved years ago. My wife, XXXX XXXX, passed away over two years ago. Given the current situation of quarantine and high unemployment, I feel this is a scam tactic to get money not owed. I think the statute of limitation has expired on this issue also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Nelnet, Inc.
State: MO
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:
Either on XX/XX/XXXX or XX/XX/XXXX, XXXX, I called Nelnet to see why I am getting charged {$55.00}. Nelnet told me I have 2 due dates so I was being charges twice per month due to me being transferred from Great Lake Borrowers. They told me they had to submit a form to a different department that will consolidate the due date but nothing ever happened afterwards. I requested a confirmation email for the work the agent did but never received anything. The same thing is occurring right now on XX/XX/XXXX. 

They did not offer any additional help or refunded the payment that I did not intend to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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:
You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been Account name Account number XXXX XXXX XXXX XXXX XXXX  account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason and will not help me with getting it back up and going. i am not sure if this is some mistake as i assume it has to be. u have not been able to get help from them for weeks. but i just remembered i could file a report on here as i feel they are not doing their job properly and it is affecting me a great deal as i used Paypal quite frequently. my email linked to my Paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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 explanation
Consumer complaint received 2023-03-13
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX our municipality reached out to inform us our borough taxes were never paid through our escrow account with Truist. They stated Truist postmarked the check 1 week after the deadline for the wrong amount so they returned it to the bank. Truist marked it in their system as paid and never resubmitted our taxes. On XX/XX/XXXX I opened a tax investigation with Truist to resolve as we were unable to receive a new HELOC as the tax was still listed as delinquent. We were advised this would take up to 14 days to resolve. After 30+ calls with their tax department I am told the investigation is still open and each week the date gets pushed back. First it was to conclude XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, then XXXX, XXXX, XX/XX/XXXX and now XX/XX/XXXX. I can not get a resolution and its impacting our ability to improve our home due to Truists mistake.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of this data breach and need these accounts deleted immediately.

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 2021-06-28
Company: Park Hill Holdings
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is a complaint regarding the Consumer Reporting company CORELogic. 

In XXXX of 2021, I sent in a request to CORELogic requesting a copy of my consumer report. With this request, I submitted a copy of my Drivers License and social security card to verify my identity, although the form does not request it. Approximately two weeks later XXXX XX/XX/2021 XXXX, I received a letter from this company saying they could not fulfill my request, as they could not verify my address, and that I needed to send in a copy of my utility bill, or bank statements with my address. I then called the number listed on the letter to speak with an agent, who I informed that I did not have a utility bill at that address, nor did I receive bank statements at that address. The agent then informed me that without these documents, my request would not be fulfilled. I attempted to make other phone calls to speak with a supervisor, but those attempts were also fruitless. 
On XX/XX/2021, I sent a second request by certified mail, which is attached to this complaint. In this request, I detailed how CORELogic was violating the FCRA, as their refusal to accept my documentation was effectively preventing me from receiving a copy of my consumer report, and I had good reason to believe that the information reported by their agency was fraudulent, or inaccurate. Moreover, the form printed from their website also uses wording that suggests that submission of certain identifying information, such as my bank statements, were voluntary, not required. I also requested they fulfill my request by U.S mail, NOT EMAIL for security reasons. On this day, I also sent a copy of a request to place a security freeze to protect myself as I waited for them to respond to my request. I also had both copies of the aforementioned documents notarized, and sent a copy of my Insurance Declaration page from my auto insurance. To date, I have yet to receive a response to this request.

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