BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: WI
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-05-13
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I sent a complaint back in XXXX regarding this same complaint. I did not realize I needed to provide more documentation and Midland Credit stated they sent me documents that I needed to fill out and send back, but I never received any documents. I found out my dispute was closed and they are still trying to pursue with the collection of the funds. I am filing a dispute again. I was a victim of Identity Theft and have reported this with the credit bureaus ( XXXX, XXXX, XXXX ). Therefore, this credit card with XXXX XXXX XXXX  was opened in my name as fraudulent. I had no recollection of this card. And there is proof back in XXXX I reported that I was a victim of Identity Theft and in XXXX XXXX XXXX XXXX  sent this bill to collections ( Midland Credit ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 jace had someone steal my identity and use it to take out loans and other credit accounts. These accounts have been reported investigated and removed however the inquiries are still present on my credit report and is hurting my credit file. I need for these inquiries to be deleted. I have submitted a identity theft report prior and the company stated I needed to send a letter giving authorization to remove the fruad inquiries. I have since written the letter and listed the inquiries

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 2017-12-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted the creditor multiple times asking for debt validation in which they ca n't provide I even have recorded conversations that they have said they can not verify the collection I just want this debt off all 3 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 2023-08-22
Company: Selene Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Selene Finance that was acquired from XXXX  XXXX XXXX. The loan was in forbearance during covid. When the loan came out of forbearance, Selene forced me to pay all outstanding payment by threatening foreclosure. I paid the reinstatement quote in XXXX of 2022 and they informed me that I was paid up to date. When the loan restarted the payment amount had doubled. When I questioned the amount they refused to give me a breakdown and reason. The payment amount changed every 3 three months. I refused to pay without a itemized breakdown so they threatened foreclosure again. I asked by email for 4 months for an audit itemized deduction of my account and they have refused to this point. I questioned the first reinstatement when I saw that the escrow amount was {$15000.00} for a period of 2 and a half years when the yearly taxes are only {$3100.00} a year. Selene calls me weekly harassing me about my payment when it is late. I can not get any help from this company at all. Every representative there is a liar and I have been promised reimbursement checks several times for charges that I have found and proved to be incorrect. They took upon themselves to apply mischarged funds to the principal when I proved them wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I am the sender XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, Cell Number ( XXXX ) XXXX, e-mail : XXXX Date and Time of Transmission : XX/XX/2020 at XXXX XXXX  ( CDT ) XXXX XXXX  ( EDT ) Receiver XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX. 

I went on to XXXX store, XXXX XXXX, XXXX XXXX, Texas   XXXX  ( XXXX  ) XXXX to send money to my girlfriend of {XXXX} with {$XXXX} fee, total {XXXX}. My girlfriend called Sunday XX/XX/2020 in the afternoon that she to get money and she told the vendor said my name was spelled wrong and could not receive money. I called Western Union and the said my name was spelled correctly. On Monday XX/XX/2020, I spent an hour on the phone to get hold of Wester Union, several times Western Union system would hang up after twenty minutes on the telephone line. I finally talked to someone and I explain the situation and Western Union customer service gave a number to refund my transfer and the customer service at the store that the number Western Union is not valid. I ran out time and I had to get on the bus and I could not find the number that Western Union gave me. I spent XX/XX/2020, calling and e-mailing my problem. I tried explaining that I want a number to retransmit the money to my girlfriend. Western Union says all need to do is to use the original Mtcn Number and the store will retransmit, and the need to call Western Union. The store is saying Western Union needs call them. Several times I asked for a supervisor and they told a supervisor would call me in five minutes, one of the customer service named was XXXX and I never got a call. Western Union sent me several e-mails saying they receive my e-mail with no resolve. On XX/XX/2020, I called for two hours and I was took the same story by Western Union. 
I just want my money be sent to my girlfriend. Western Union refuse to give me refund number to retransmit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: Nelnet, Inc.
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been logging on to my student loan account at Nelnet to make my payment. I don't know my account # or user name and have been logging on by providing my ssn & dob. Now it won't recognize them and have been going online for several days now trying to make my payment. I tried the chat which is really just a ruse to get me to take advantage of services I do not want. The email feature won't let me communicate w/out an account number. I work in a XXXX XXXX myself and can not talk on the phone during the day and into the evening so my ability to make a call. Now I am late after working for some time now. 

I mention this because this is a grossly unnecessary problem and barrier created by the student loan companies that causes honest law abiding past students from being timely. I have been caught in these thickets of XXXX and obstruction by student loan services before including being put in default. These days when they WANT us to go online but make burdensome and obstructive. It is NOT a category of complaint on your website but I know from first hand experience this ensnarls thousands of students already having a hard time even affording payment and will never work off even the interest. Please do something to make student loan servicers truly easy to access not just trouble making cosmetic and difficult to access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: IN
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 did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2022-03-08
Company: Experian Information Solutions Inc.
State: IA
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:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with theFairCredit Reporting Act law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROMMY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: CA
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 hope you're doing well as I write you this letter. After carefully requesting my credit report from your company, I am having a lot of trouble discovering a lot of inaccurate or invalidated accounts. Since my information was impacted by the Equifax data breach and might have ended up in the wrong hands, I am unaware of these things or inaccurate information. I have strong evidence that these erroneous items on my report were caused by your breach. You are failing to comply with the FCRA by reporting carelessly and inaccurately. I demand that these items be updated and deleted right away. I also demand that you send me a credit report within 30 days that reflects the updated changes. 

1. The following personal information is incorrect Name : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX, XXXX CA XXXX 3. Identity Theft XXXX XXXX XXXX Account Number : XXXX 4. Identity Theft XXXX XXXX Account Number : XXXX 5. Identity Theft XXXX XXXX XXXX Account Number : XXXX 6.Identity Theft XXXX XXXX XXXX Account Number : XXXX 7.Identity Theft XXXX Account Number : XXXX 8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX 9. Identity Theft XXXX XXXX XXXX Account Number : XXXX 10. Identity Theft XXXX XXXX XXXX Account Number : XXXX I swear under penalty of perjury this account was opened fraudulently I am aware of your unlawful practice of responding to consumer complaints and challenges by sending generic letters regardless of the information provided. Each disagreement must be resolved on an individual basis, according to 15 U.S. Code 1681i ( 2 ). I used fully accessible software to create my letters. My consumer rights are violated if my letters are not processed. I will view this as a violation of my rights and will speak with my attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Two fake accounts opened in my name XX/XX/XXXX. XXXX XXXX XXXX mileage plan. Charged {$75.00} dollars by bank to open accounts that I DID NOT OPEN. Have made multiple phone calls, trips to three different Bank of Americas, filed a claim, that was faxed by B o A. No one responded to faxed claim. The employees at all three B o A denied the ability to help me, including the manager at one of them.

One person deleted the {$75.00} dollars but would not help me otherwise. I have sent several request for information on how accounts opened. No response. The one thing that did happen was a " soft '' inquiry on my credit line by B o A after one of my several trips to the bank for help. I have XXXX protection and they notified me. 
Please help me. Have been with B o A since 1978. Am now in process of closing this long time account, which has caused many more hours of work with auto pay accounts, and transferring to another account, and personal visits to establish auto pay with places like XXXX, water company, sewer company, telephone company, computer company and any one else we do business with. Have filed police reports, notified Postmaster General and as many places that were recommended

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 2023-11-14
Company: Experian Information Solutions Inc.
State: NJ
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:
please see attached supporting documentation for block of information resulting from 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 2023-02-08
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 these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX has all 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 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 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 2021-03-29
Company: BARCLAYS BANK DELAWARE
State: NJ
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 complaint is specific to the reporting, this Data Furnisher is supplying and then, within the controls define in XXXX - and, in concert with FCRA and the FDCPA. Complains have been file with the CRA 's to no avail - so, we are here and in full concert with FCRA and the FDCPA. 

I am a bit of a techie - so I care about DATA and then its reporting, and in line with XXXX and its ruling Life - happens, but when it does - all I ask is that whoever can say - gets it correct. 

For all that that is worth - Barclays is governed by its report, its accuracy and as a DATA FURNISHER in and under FCRA and FDCPA. 

Your tradeline - is incomplete and inaccurate. 

I use the example of your kid coming home with a report card - where the name is incomplete - the scores are a bit washy, and then the semester details are not even present. 

This is across the CRA 's - the attachment is from XXXX, but - XXXX, XXXX  and XXXX are in this scope - as is any entity that you as a DATA FURNISHER send your data - and about me. 

The request is simplistic - please fix this tradeline so that it is inline with mandates - or, delete it. 

In any - ANY tech world - comments are never used to store/program/calculate - when there are intended fields to store and demonstrate its intended usage - the same is true for your testing and your methodology of validation and verification. 

Understanding that -- - here are your reporting issues, mind you - this account is actually closed/charged off 1. Account numbers are NULL ( BLANK ) 2. Description of the ACCOUNT - is " BARCLAYS BANK DELAWARE ( CLOSED ) '' 3. There is NO " CLOSED DATE '' - its NULL and as a result 4. AVAILABLE CREDIT is = Credit Limit 5. DEBT TO CREDIT RATIO - is calculated on your erroneous data 6. PAY/BAL/RAT - details are inaccurate and incomplete 7. XXXX is unnatural - and impossible 8. No TERMS exist with a CLOSED account 9. Your CHARGE off <> Amount Past DUE 10. DATE OF LAST ACTIVITY =? 
11. DOFD/FCRA date doesn't and can not be validated and based on your reporting 12. Tech standards DO _ NOT use comments to calculate and as part of algorithms.. 
13. Creditor Classification is UNKNOWN - even when you know what you are See the attachment - this complaint is across all CRA 's. 

The request is simplistic - please fix this tradeline so that it is inline with mandates - or, delete it.

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