BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: SC
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:
Yesterday, XX/XX/2023, I received an email from XXXX XXXX XXXX telling me that I had applied for a new credit card. At the same time, I received several alerts that there was a new hard inquiry on my Experian credit report. Alleged the hard inquiry was made by XXXX XXXX XXXX. 

Today I contacted XXXX XXXX XXXX by phone. XXXX XXXX XXXX denies that they accessed my credit report yesterday and also denies that I applied for a new card. 

Then I called Experian to report the fraudulent activity. Experian told me to file a report at XXXX. XXXX referred me to this website.

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 2022-03-10
Company: Experian Information Solutions Inc.
State: OH
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 have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-09-14
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i suffered financial hardship as a result of the pandemic and the government shutdown and was unable to pay my XXXX XXXX phone bill i had for 5 years as a result my bill got up to {$1300.00} XXXX XXXX sent the unpaid bill to collections which i felt was unfair and my credit is being negatively affected i filed a dispute with XXXX  thru XXXX XXXX and the account was deleted and my credit score went back up then a debt collection agency purchased the account and got i put back on now XXXX will not delete the account i am a victim of covid 19 my credit should not be affected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: NY
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 found accounts on my report that don't 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 2023-07-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-06
Company: Navient Solutions, LLC.
State: MA
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:
Navient was my student loan servicer and provided me with wrong and misleading loan information while steering me into accepting a loan forbearance which has harmed my economic interests. 


NAVIENT and as well as XXXX are criminal organizations that are actively harming millions of Americans like myself. As a result of accepting the forbearance due to Navients intentional bad information, I am now foreclosed from participating in several opportunities to pay down this debt. 

Please help. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX. 
XXXX Cell # : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
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:
There are 3 derogatory alleged medical collections placed on my Transunion, XXXX, and XXXX consumer reports. These alleged collections are from the same company which is XXXX. XXXX has placed an alleged collection for {$200.00}, {$260.00}, and {$260.00}. I have tried to get this removed with no luck. I was involved in an auto accident and when my attorney settled the case all of my medical bills were paid out of the settlement. This collection company committed fraud by stating that these accounts meet FCRA requirements. They did not provide proof that these belong to me nor did they provide documentation showing that I signed any contracts with my social security number on any paperwork. I have all paperwork from the accident that I will provide to the courts because I will be seeking a remedy from the XXXX and from Transunion, XXXX, and XXXX for allowing this company to commit fraud. XXXX did not get my permission to place these fraudulent collections on all 3 of my consumer reports. They have violated consumer law 15 USC 1681b ( 2 ) which is a {$1000.00} violation among other violations. XXXX also ran a soft pull on my consumer reports before placing these alleged collections. I have also provided proof that XXXX ran a soft pull on my consumer reports before placing these fraudulent accounts.

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: National Credit Systems,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:
Iam not liable for the {$12000.00} debt with XXXX XXXX XXXX. I do not have a contract with National Credit Systems they did not provide me with the original contract as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX ( XXXX ) ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM XXXX, XXXX  OR TRANSUNION. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

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 2022-03-30
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We were notified of an alleged debt that was in collections sent by XXXX in XX/XX/2022. We requested, in writing, a validation-of-debt and, per law, an itemized bill of the alleged XXXX XXXX- we we're never notified of any bills or debts by the hospital to begin with so we wanted to make this wasn't a case of mistaken identity or a fraudulent charge - the dates they listed the bill in didnt make any sense. We never received any response from XXXX. Regardless, the alleged debt of {$2600.00} was still listed as negatively affecting my credit score. We found out we could dispute this with the credit reporting agencies and we decided to dispute this with XXXX. XXXX reached out to the collector and found that this debt was not accurate and fraudulent- it was removed completely from all of my credit reports in XX/XX/2022. 

We were then sent a collections notice the end of XXXX by XXXX XXXX Collections in XXXX, TX and have until XX/XX/2022 tp respond. We, again in writing, requested proof of this debt by asking for the XXXX XXXX XXXX and we also provided printed screenshots of the winning-dispute claim with XXXX to show this same debt was already deemed inaccurate and fraudulent/was already removed from my credit report. We mailed these documents on XX/XX/2022. 

Today i called to see if they had a chance to review the documents sent. I verified that the alleged debt was the same with XXXX for the {$2600.00} but she stated she had not received any documents to review and that we still owed the {$2600.00}. I explained that this debt was already removed from my credit history and was deemed fraudulent/inaccurate by the credit reporting agency . She stated that they still showed the debt and it could still be sent to the reporting agencies - that it could still negatively affect my credit. I'm not sure how that is possible- in the insurance industry, we call the act of attempting to collect on a claim twice " double-dipping '' and its a form of fraud. How can debt-collectors attempt to damage your credit when proof has been provided that its not an erroneous debt?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My information was stolen and was used for XXXX XXXX cards and synchrony bank care car accounts and care accounts and now when I contacted each of them they werent able to provide me correct information on how my information was used or proof used to sign up for accounts

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 2023-02-06
Company: NAVY FEDERAL CREDIT UNION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reviewed my Consumer Report My name and address was incorrect My ONLY NAME IS XXXX XXXX XXXX My ONLY address is XXXX XXXX XXXX XXXX Mi XXXX and these were inaccuracies NAVY FEDERAL CR UNION Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 
NAVY FEDERAL CR UNION Potentially negative Date openedXXXX Balance {$2100.00} StatusClosed. 
XXXX Potentially negative Date openedXXXX Balance {$0.00} XXXX. {$910.00} written off. 
XXXX XXXX Potentially negative Date openedXXXXXXXX Balance {$0.00} XXXX. {$420.00} written off. 
XXXX XXXX XXXX  Potentially negative Date openedXXXX Balance {$450.00} XXXXCollection account. {$450.00} past due as of XX/XX/XXXX. 



XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX BANK XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX OF XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX and asked them to investigate and remove the inaccurate form my consumer report that they are illegally reporting that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
This is a violation of The Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by evidence or proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
My complaint is All my information is on the XXXX XXXX and they keep trying to get credit cards with Bank of America, who I called to put a stop to them getting a credit card with my good credit. 
I have put a freeze and I hope it was enough to stop whoever is trying. 
I feel Bank of America needs to expedite their response to assure me that my call way enough to stop the crook who has my information

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 2019-12-26
Company: ID Analytics, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting my balance as {$44000.00} when it is only {$24000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 HAVE A CREDIT INQUIRY/REVIEW PULLED YNDER MY TRANSUNION CREDIT PROFILE # XXXX GEBERATED XX/XX/2020 THAT DISPLAYED A ACCOUNT REVIEW INQUIRY BY XXXX XXXX ON XXXX WAS NOT DOING BUSINESS WITH XXXX AT THAT TIME ..THE PROBLEM IS IT WAS NOT A PROMOTIONAL REVIEW IT WAS UNDER " ACCOUNT REVIEW '' /YOU CAN ONLY ACCOUNT REVIEW WITH EXISTING ACCOUN WHICH I DID NOT HAVE AT THAT TIME, NO MATTER A SOFTORT HARD IT WAS AND " ILLEGAL NON PERMISSABLE " REVIEW FOR I DID NOT HAVE AND ACCOUNT.I WANT TO KNOW FOR WHAT PURPOSE IT WAS [ PULLED.YPUR REPRESENATIVE TONITE SHOULD HAVE ROPENED A DISPUTE AND SENT TO XXXX AND HE JUST SAID CONTACT XXXX.I HAVE AND THEY DENY THE PROOF I HAVE PROVIDED WHICH I SENT TO TRANSUNION AND THEY SENT ME A LETTER BACK SAYING COULD NOT FIND IT.THERE WAS NO EXISTING ACCOUNT WITH XXXX TO REVIEW THAT IS THE POINT, XXXX XXXX XXXX @ XXXX  CUSTOMER ADVOCACY HAS RECEIVED THE PROOF AND HAS WRITTEN TO CPFB NOTHING EXISTS ..XXXX  IT DOES .I AM SUBMITTING AGAIN TODAY DENIED IT EXISTS IT DOES

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 2020-07-21
Company: ROBINHOOD MARKETS INC.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Robinhood XXXX  is not giving me real time pricing. Their lack of information has caused me to make a lot of decisions that have lost me money. They are not filling my orders despite placing limit orders. I have options contracts that are not reflecting the current prices. They are not interested in giving me the appropriate information about my account as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Nationwide Recovery Systems, Ltd
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2020 I was called by a person who said there name was XXXX.who worked for Nationwide Recovery Systems They asked if if my name and SSN matched what they had on their records. They read the last 4 of my SSN to me prior to even confirming I was who they were looking for. This is PII and should not be given out to frivilantly. I have recently changed my number, and I am concerned that they may have called others and given out PII. Once I asked how many others they had released my PII to they hung up. 

I called back to talk to a supervisor, and they said that was not PII and something they do regularly. 

the last 4 of someones SSN is very sensitive and used in all kinds to places as a security code. I want a list of who else they called and gave my information to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: FL
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:
I sent a letter on XX/XX/2023 to XXXX, XXXX, and Equifax the following through XXXX XXXX However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

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

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

I would like to know who they spoke with and how did they conduct the investigation.

Company response to consumer: Closed with explanation