BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX Date Opened : XX/XX/2018 Balance : $ XXXX attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2023-01-10
Company: Experian Information Solutions Inc.
State: DE
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:
All XXXX credit bureaus made a report with out my consent and inaccurate information is also on my 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 2016-10-11
Company: Pinnacle Asset Management, LLC
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 resulted from identity theft

Complaint:
I live in the country of XXXX for the last five years and I have XXXX cel phone bills on my credit report XXXX has no us cel phone co

Company response to consumer: Untimely response
Consumer complaint received 2016-03-18
Company: First Recovery Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
First Recovery ( XXXX ) has been harassing me and my family, friends and calling me at work for a payday loan from 2012 ( file # XXXX ). 
This debt never happened that I recall.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a judgement against me, it has been paid and the court has received a letter stating that the debt has been satisfied, but the judgement is not off of my equifax report, but it has been taken off of XXXX and XXXX. The debt is satisfied and equifax will not take it off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: TX
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:
In Accordance with the Fair Credit Reporting Act, XXXXt Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666 b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason

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 2017-04-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This complaint and concern is against Equifax. I have disputed several items and credit inquiries with this bureau. Equifax is the worst credit reporting bureau when it comes to the consumers. When I call, I get the run around and faslse information. I disputed inquiries that I did not authorize and I had a fraud alert on my file and still do till this day. These inquiries are not associated with any account I have or for any Firm offer of credit, Insurance, Employment or court order. Equifax sent me a letter stating, to call the company who put this inquiry on my file. I called all these companies and was told they do n't remove inquiries. And to call the credit bureau to do so. It 's a bunch of back and forth. Equifax do not to attempt to remove unauthorized inquiries. The only thing they do is keep a " fraud alert '' on my file even though noone has ever called me to verify information. And all this inquiries was done online not in person. 
Another concern is I have a company named XXXX on ( XXXX ) on my file. I have attached my credit report for verification. XXXX and XXXX has removed this account that is not mine. However, Equifax failed to do so. Equifax is not and have not properly investigated this account. If the other XXXX bureaus could not legitimate reason for the account and removed it. Why have n't Equifax done so. ( Please remove ) Last but not least. I have attached a letter from Dept of Education. They sent authorization for all XXXX bureaus to remove this account due to rehabilitation. The credit bureaus removed the account EXCEPT Equifax. It still remains on my account only for Equifax. Clearly Equifax is not here to help the consumers when properly verifying and clearly is not upholding to FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have sent various letters to trans union asking them to verify the chapter XXXX bankruptcy that they are reporting on my credit report with my signature, they keep sending me reports back stating its verified but not stating how, or sending proof that this bankruptcy actually belongs to me I have proof that they have n't verified from the courts because the courts do not verify

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 2015-07-10
Company: Reliance Exchange Group
State: NY
Product: Payday loan
Issue: Can't contact lender

Complaint:
I was told by this company only told me XXXX.they wont told me who borrowed from or what I owe they wont provide any information and they call me ( XXXX ) and or they do is threaten me being garnish and actually physically threaten me.. They keep telling me I wont pay them but I do n't even know who they are and what I owe. they told me I borrowed this in 2010

Company response to consumer: Untimely response
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: MI
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 contacted Transunion about a collection on my Trans union credit report over a collection of a {$100.00} debt that was sent to a collection agency. I am attaching a letter sent to the creditor in XX/XX/2020 & also sent to Transunion. This debt does not appear on XXXX or XXXX. I have tried to reach XXXX by phone and left messages for a return call. None have been received This is the letter sent to Transinion and the debtor XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern This letter is to dispute the 101.58 that is being charged. I previously mailed this letter several months ago : The dispute is over replacement of the bedroom rug, I am disputing the charge for the following reasons : I Was never informed that there was a problem by Management There was no stains or marks on the carpet when I left. This can be verified by a third party who inspected the apartment when I moved out.

There was no inspection done with me when I moved out There was no attempt by management to clean the rug. The rug was ripped out the day after I moved out. This can be verified by another pennants Other units that were vacated that had animals had their rugs cleaned and not replaced Management did not apply same rules to me as it did to other tenants that had dogs ( mine was a service dog ). I never had any communication from management about a problem with the rug - ever. No phone call, no explanation whatsoever. 

If there was a problem with the rug I would expect some proof from management. I received nothing. No photographs, no letter from them, no telephone calls I will not pay the amount due because of the above mentioned issues 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 2017-04-05
Company: Utah System of Higher Education
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am once again attempting to place my loan in forebearance and XXXX has refused do do this nor have they provided access anymore to the application. I called them on the phone today and they said only their ombudsman can do this and they transferred me. Upon being transferred, the ombudsman stated that he ( XXXX XXXX did not know whom XXXX was and stated to contact their ombudsman. Because I have filed several complaints against this institution, I believe they are intentionally refusing to service me. Note that I had to file a complaint last year for this very same problem and that was the only way to resolve it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Navient Solutions, LLC.
State: CO
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:
I received 2 emails saying I had not made a payment and I did. I even have the confirmation number # XXXX. I did not received a statement in the mail for this month, I called to report it. I received calls, one of them was on XX/XX/2017 @ XXXX during my working hours, when I specifically answered on my paperwork not to contact via phone, I chose the method of contact by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: NAM National Arbitration and Mediation
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A XXXX called from XXXX and threatened to serve me legal papers for court to my home or work. he stated to call ADR at XXXX. I have never heard or received any letter from ADR concerning a debt I owe.

Company response to consumer: Untimely response
Consumer complaint received 2016-06-27
Company: Valarity, LLC
State: MO
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The account Valarity is holding has been satisfied. I do not owe this money. It was paid in full. {$63.00} to the original billing institution in XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
What I believe is a strategy to enforce the use of XXXX ( owned by Transunion ) I have requested my credit report from XXXX and Transunion and the supporting documents I submit ( Copy of driver license with my full address and copy of SS card was deemed insufficient. XXXX submit the 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 non-monetary relief
Consumer complaint received 2023-07-27
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
As per RTR, " RTR began servicing the junior lien obligation in XX/XX/2009. Since that time, RTR has made multiple efforts to contact the consumer in writing and by phone. '' Since RTR claims that they start servicing the junior lien in XX/XX/2009. I will like to get the copies of all the attempts made in writing and by phone as claimed by RTR.

I will like to get copies of all the letters mailed to me, along with the efforts made by phone ( Call logs with dates, time and numbers called ) as claimed by RTR.

TILA, RESPA and California DFPI requires that RTR provide information as requested above in a timely manner.

I will also like to know complete breakdown of the balance including interest charges ( rate and amount charged daily, monthly and yearly ) and or any fee added to the account.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Professional Receivables Network
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the XXXX of XXXX I received a notice in the mail that I owe {$320.00} for a debt for an account with XXXX XXXX XXXX in XX/XX/. 
I have no account with XXXX XXXX XXXX, and I never carry debt. I do not support usury. 
The letter was sent by a company called Sage Capital Recovery. They gave me a Sage reference number of : XXXX Knowing that the letter was phishing for information to get into my bank account, I filed it away. 
Today a woman called and behaved roughly on the call, and hung up when I mentioned fraud. 
The company lists an address of Sage Capital Recovery XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX The number the offensive woman called from is XXXX I recently unfroze my XXXX  account briefly to allow a merchant to check my credit for a credit card -- I never carrry a balance forward on credit cards even -- so it is possible that there was a security breech at that time. 

Please prevent Sage Capital from perpetrating further chicanery against me or others. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: CA
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:
This is a formal complaint against Experian. I asked Experian for a human review of the late credit card payments placed in my credit file from companies : XXXX XXXX XXXX ; and XXXX XXXX XXXX, to provide me with written proof of their compliance with Law 16 USC 1666B. I want XXXX ; and XXXX XXXX XXXX to remove the credit card late fees reported on closed accounts with XXXX balances. The late payment reports are with Experian XXXX and XXXX. This credit card accounts are closed. Additionally, the date of the late payments are not accurate. I mailed certified letters to Experian on XX/XX/2023. After 30 days I did NOT receive communications from Experian regarding my written request. On XX/XX/2023, I mailed second notices to Experian via certified mail. I requested Experian to show me written proof of their manual human investigation XXXX, and XXXX XXXX XXXX credit cards. On XX/XX/2023 Experian notified me via email. The email notification informed me that the results of my disputes are ready to view online. In order to review the results I had to log on to my Experian account online. Unfortunately, Experian did not complete a manual investigation. Experian did not respond to my written request within 30 days nor did they provide written proof of the investigation nor did they provide me with proof of the creditors compliance to Law 16 USC 1666B. I want XXXX XXXX XXXX to remove the late payment report they reported to my credit reports with Experian XXXX and 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 2022-05-02
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX  XXXX XXXX have violated my rights. 

15 U.S.C1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1681section 604 A, section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-03-26
Company: Experian Information Solutions Inc.
State: AZ
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:
Previous and on XXXX2023 my credit was reported as XXXX. NONE of my actual FICO or XXXX scores are XXXX. I have attached all Bank and Credit scores as reported on Experian, XXXX and XXXX. I contacted them multiple times.

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 2017-04-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I 'm trying to work with navient to lower my payment but they refuse to work with me. I have no way to pay the amount they set for me, and the interest is acumilating every month. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
I contacted Chase Bank to assist me with XXXX Chase cards who 's interest rates on the debt have imposed financial hardship on our family of XXXX, with XXXX children in College. While we always pay our debts, even cashing in much of our retirement to do so, Chase 's unwillingness to consolidate the {$14000.00} on my accounts and lower the interest rates inhibit my ability to pay off the principal balances, and threaten the well-being of my family. Chase offers numerous opportunities for kids of different races to lift themselves up, and posts pictures of " One Republic '' concerts, and yet can not help the average American family who is honestly trying to do the right thing. I could just not pay the bill and let it go into bankruptcy, but yet I am trying to pay what I owe. This is a massive bank offering Chase Slate members 0 percent balance transfers for 15 months ... why can they not help me put this {$14000.00} debt into one place and assist me with my efforts to pay what I owe? And Chase Bank is claiming " Corporate Responsibility! '' They are only responsible for leading the American Family into massive consumer debt and relying on Social welfare in their retirement, when they have none to rely on, because they are too busy scamming the consumer on interest rates that are prohibitive : 29.9 % - 16 % ( My interest rates. )

Company response to consumer: Closed with explanation