BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: Marauder Corporation
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/23 I saw that XXXX collection professionals reported a medical collection on my credit report. I promptly called to duscuss and confirm information. I did not receive any notices or mail prior and have not been provided copies of requested documents. I alose called XXXX XXXX and they advised they could do nothing although when i accessed my account in the last year the debit did not show as incurred or due on billing site. This is under {$500.00}, medical and there has been no help from either company in confirming debit. Credit dispute filed however no update other than amount confirmation received

Company response to consumer: Untimely response
Consumer complaint received 2021-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Strange withdrawals from my checking account which Capital One claims I did- I denied the claim that it was me withdrawing money from this ATM, to which they entrapped me with my own words in a dishonest way : They asked if I had misplaced my debit card, which to my knowledge has not left my wallet. They said that by that logic, because I did not misplace my wallet that my fraud claim is closed and that I am responsible for the charges. HOWEVER. 

Not only do I have zero recollection of having withdrawn from a strange ATM, the address of this mystery ATM is XXXX XXXX XXXX XXXX, a seemingly residential address. 

Upon looking up this address, it is assigned to an empty lot inside a residential neighborhood and there is not a single business entity that seems to have been at this address or using this address for any purposes. 

I've reported my findings to Capital One, but they just kept repeating the same thing regarding how they will not do anything other than close the claim and that I should file a police report if I am not happy about their decision ( which we all know does absolutely nothing ) Please help, and thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: M.A.R.S., Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Mars trying to collect money from me I asked them to send me signed documents and they failed to submit anything. Told them to stop calling me I get calls from different numbers threatening to take me to court asking for my bank information talking disrespectful to me. I dont know these people this is on my credit asked for it to removed due to they cant provide proper documentation I feel threatened at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: MA
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 am writing to file a formal complaint and request an investigation into the inaccurate information present on my Experian credit report. On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report, and to date, they have not responded. The following are the details of the inaccurate information and the required corrections : The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1400.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$3800.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$3500.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1600.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1000.00} Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$6700.00} Please remove it 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 2023-09-30
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2023-05-08
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: Reporting company used your report improperly

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
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:
First and foremost let me say that this is not a complaint or an attempt to bash transunion they have been very helpful and supportive to me in the process of resolving this issue Ive had with my credit Im sending this letter however because theres an account from XXXX XXXX  that remains on my credit report that does not belong to me I assumed that it was perhaps an oversight by the review team. There is an account for XXXX XXXX XXXX showing as well I am therefore requesting the move of this account this account does not belong to me this account has already been removed from XXXX profile records so Im puzzled as to why is the reporting on Transunion if you can help me I would really appreciate it thanks

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 2023-10-31
Company: MOHELA
State: CT
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:
I hade sent several email messages due to large volume of callers. I was inquiring with them as to why my entire payment went to interest only when I paid in excess of the monthly interest amount. They then proceeded to tell me that my monthly accrued interest amount was significantly more than what my account represents. Even if that was correct, I still paid them in excess of what they are now representing is my monthly interest amount but will not apply it to my principal amount. If they keep doing this I will NEVER pay down even XXXX cent of what I owe. I can not afford to pay {$450.00} a month in just interest! My account represents I owe {$350.00} in accrued interest, they are now telling me I owe {$420.00} in accrued interest, either way I overpaid both those amounts but they will not apply any to my principal even if it is nominal. I tried to speak with their XXXX, XXXX, on XX/XX/31 but when I challenged her explanation, she hung up on me. Now I have to call again and wait an astronimical amount of time once again. I work so obviously I have to do this from work and they are keeping me from working. They are lying thieves. Unfortunately I was forced to go to MOHELA from my prior servicer and this company is stealing my money. I should NOT have been forced to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX 's account number XXXX High Balance is reflecting XXXX dollars however the balance due is reflecting reflecting {$1000.00}. The highest balance being lower than the balance due doesn't make sense. This is a violation of the FDCPA delete immediately I disputed with XXXX, Trans Union,  XXXX and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is a violation of the FDCPA and needs to be removed.

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 2023-09-30
Company: Experian Information Solutions Inc.
State: GA
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:
Unknown account opened

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 2023-05-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-09-30
Company: Experian Information Solutions Inc.
State: OH
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 kindly request your attention to the following matter. It is imperative that I seek the removal of the inquiries on my credit reports which are adversely affecting my credit file. I hold the sincere hope and expectation that the credit bureaus, namely Experian, XXXX, and XXXX, will expeditiously eliminate the listed inquiries, as outlined in the subsequent complaints : EXPERIAN : 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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. 
The list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name 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 XXXXXXXX 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 that consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-22
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I filed suit due to an accident my daughter had when she was young. I won the case and the insurance company issued a check in the amount of {$7200.00}. The check was deposited at Chase Bank on XX/XX/2009. We contacted the bank so we can withdraw the money and they advised the account could not be located. The bank is JP Morgan chase located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The account that was opened was a XXXX XXXXXXXX XXXX XXXX XXXX  Since then I have paid my daughter with interest as she needed to pay for school and rent. I would like access to this account immediately as I am trying to purchase a home. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: ID Analytics, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My personal information was comprised several times in the last few years ( XXXX, XXXX, XXXX XXXX, etc. ) so I tried contacting Sagestream LLC to have them freeze my credit report. I have faxed the required documents listed on their website, https : //www.sagestreamllc.comXXXX, multiple times plus, mailed those same documents to Sagestream LLC 's address, called about 30 times, never any answer. I have left multiple voicemails with my name, contact number and why I was contacting them and Sagestream LLC has NOT responded to any of my request or correspondence. It's been over a month now and Sagestream LLC has not contacted me or frozen my credit file, which they are required to do by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: WA
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 would like to know how Experian already did their investigation results verified it as accurate and the dispute was verified as accurate when with XXXX XXXX XXXX XXXX  final number XXXX XXXX XXXX XXXX XXXX XXXX XXXX hasn't even got back to the attorney general that I filed a complaint file number XXXX Experian verified XXXX XXXX  as accurate but XXXX XXXX  hasn't got to the attorney general or cfpb

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 2023-05-08
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2022-05-22
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 these accounts have violated my Rights. 

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 15 U. S. C. 1681 section 602A -- -- states I have a right to privacy. 
15 U.S.C. 1681 section 604A section 2 -- -- 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 2022-05-22
Company: EQUIFAX, 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 these accounts have violated my Rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debts in the amount of {$750.00} appearing twice as collection. I called the credit bureaus on XX/XX/2019 to dispute these unknown collections. They advised me the debt was hospital bills. I explained that I had not been to the hospital, the debt did not belong to me and I officially filed a dispute. I also requested for the bureaus to send me verification regarding these collections, which was never received. During these phone calls I paid off one collection that was my debt and disputed Two other debts in the amounts of {$1800.00} and {$1400.00}. These debts dont belong to me and I would like them removed at once. All three bureaus are not reflecting accurate information, the hospital bills were removed for XXXX, but are still showing on XXXX.

Company response to consumer: Closed with explanation