BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: NC
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 want to inform the 3 Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX 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 2021-08-30
Company: SUNRISE CREDIT SERVICES, INC
State: MN
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 was the victim of identity theft fraud. An XXXX account was fraudulently opened with my name and social security number. I learned of this because I was trying to get financing for the purchase of a home and when my lender pulled my credit report on XX/XX/XXXX my score had dropped 100 points. I learned that a debt was being collected by Sunrise Credit Services. I called Sunrise credit services and they gave me the XXXX account information and told me I had to work directly with XXXX to get it resolved. I worked XXXX, provided an affidavit and proved my identity and they were able to provide an exoneration email and recall the debt from Sunrise Credit Services. I tried to use the XXXX letter to do a rapid rescore for my credit score so I could move forward with mortgage financing. I was informed that I would need an exoneration letter from Sunrise Credit Services because they are the company reported on my credit report. I contacted Sunrise Credit services multiple times and they have been unwilling to help me get the documentation I need for a rapid rescore. I called and was frequently cut off by customer service agents, not listening to my needs and telling me they couldnt help. Every agent I spoke to gave me different information. I escalated to a supervisor and they said they would work on it and call me back but never did. I called back multiple times trying to get back in touch with the supervisor XXXX XXXX and was put on hold, transferred from agent to agent and disconnected multiple times. I submitted a dispute with them via email on XX/XX/XXXX trying to go that route to get the documentation needed. I havent received an acknowledgement or response. When I called Sunrise Credit Services asking to be transferred to the department that handled the fraud disputes, I was told they could not connect me. This fraudulent account has impacted my ability to get the rates I deserve for a home purchase. I understand the process for updating a credit report takes time. But I am just looking for exoneration documentation from Sunrise credit services that I can provide to my lender, so I can move forward with financing by 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 explanation
Consumer complaint received 2023-09-03
Company: Consumer Adjustment Company Incorporated
State: PA
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:
There are a total of two debts that were placed on my credit report XX/XX/XXXX and XX/XX/XXXX that i have no recall on. I have never taken these loans and i requested information on the debts. the first time i had ever seen or knew anything about these debts was when they appeared on my credit report dropping my score over XXXX points. The first company is Consumer Adj co XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, totaling XXXX and the second is National credit adj XXXX XXXX XXXX XXXX XXXX, KS XXXX totaling XXXX. The debts were placed on my credit without any notice or any validation! We are a veteran family, we have saved and sacrificed for 4 years and we are finally in the loan process of buying a home and this just pops up out of nowhere. Im sure you can imagine our pain. We haven't touched our credit. We sacrificed taking any loans out or running anything through our name in order to purchase a home for our family of 6. As soon as we ran our credit, the next couple days these two collection accounts just appear. I would like a thorough investigation on this as it detrimental to us and is harming our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: BMW Financial Services NA, LLC
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: Account status incorrect

Complaint:
BMW Financial Services continues to report incorrect late payments after numerous disputes with the credit bureaus. These incorrect late payments are severely affecting my ability to buy a home and buy another car with an affordable interest rate. 

I have 5 total late payments reporting on each major credit bureau. I have the payment confirmation from my email to prove that all of these payments were made on time. I also have the corresponding bank statements to show each payment being deducted from my bank account. 

I am requesting that each late payment is updated as an on time payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXXXXXX 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 XXXX 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 XXXX 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 XXXX XXXX n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Maximus Education, LLC dba Aidvantage
State: IL
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:
My XXXX XXXX XXXX were transferred from Navient to XXXX in XXXX XXXX  XXXX. 

Due to the Covid pandemic, automatic payments of these loans were ceased back in XXXXXXXX XXXX  XXXX. 

After the initial pandemic dust had settled and trying to knock out my lowest balance loan, I resume electronic payments to my loan servicer at that time Navient. I set up a monthly {$110.00} payment to Navient starting in XXXX XXXX XXXX. I utilized my checking account that I had setup for automated payments of utilities, insurance, etc. 
Back in XXXX XXXX XXXX, my lowest balance load, from XXXX, had a balance of approximately {$720.00}. While I meant to stop automatic payments to Navient after XXXX XXXX XXXX ( the loan would be paid off by then ), I neglected to do. 

I didnt realize that I had continued these automatic payments until this weekend ( XX/XX/XXXX ) while preparing to setup the resumption of load payments, this time to XXXX. Logging into XXXX I discovered that there was no record of any of these ( XX/XX/XXXX to XX/XX/XXXX ) payments within the history that was transferred to them from Navient. The XXXX XXXX XXXX XXXX, as of XXXX XXXX  XXXX, still had a balance of {$710.00}. 

I contacted XXXX about this at XXXX. The customer service person said that I needed to contact Navient about these unrecorded payments. 

I then contacted Navient. I did this after attempting to logon to the Navient website. Any way I entered my information, the site could not find my account, so I had to call for further research. The Navient operator took my name, my full SSN and my account #. She was also not able to find me in the Navient system and told me to contact XXXX. 

I finally contacted my bank ( XXXX ) and asked them about the actual payments themselves. The customer service person said that they were paid electronically ( a paper check was not generated and mailed ) to Navient and that they all appeared to be processed. 

My desire would be to have my {$3900.00} Navient payments applied to my current student loans serviced by XXXX, but I dont know how to get these payments recognized by Navient or transferred over to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have reached out to each of the consumer reporting bureaus to remove all inaccurate and invalid information from my credit reports. I have not given them my written consent to report any of these items. They stated on numerous occasions that they have verified the information, but have not provided me with any original documents or contracts. They only keep updating these inaccuracies which are causing adverse impact on my life. Each of these items is being reported with visible inaccuracies such even after my request for validation. 

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a consumer reporting agency can not furnish a 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 XXXX 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 2023-06-12
Company: Experian Information Solutions 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 consumer rights were violated by this credit reporting agency. I didn't give them my written permission to share my information on a consumer report on my behalf, nor did I validate any of the information. Without my validation and verification of this information is a clear violation of my rights. Otherwise anyone could just say I owe them anything and report it and farther ruin my reputation.

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 2023-02-01
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2022 IC systems put a derogatory remark on my account for {$430.00}

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 2023-05-13
Company: Healthcare Finance Direct LLC.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company healthcare finance direct is predatory. I talked to a customer service representative about not being understanding to people who get behind on non emergency medical bills. He told me if it was that bad I could file bankruptcy as a full time unemployed college student because if I couldn't afford to pay them $ XXXX dollars a month. I knew that wasn't true because I used to work for bankruptcy department in XXXX filing XXXX XXXX, XXXX, and XXXX bankruptcies. They also hold a predatory contract over people 's heads. He asked me if I read the contract to which I honestly answered no and said that they shouldn't have even given me a contract since I didn't have a line of credit. He said that's not his fault and despite the contract being predatory he should get as much money as the contract says. They kept threatening to send me to collections but would never actually send me to collections. The man who told me to file bankruptcy claims to be from North America but doesn't actually live in America. He isn't American and is telling American people to file bankruptcy. Their call center representatives are foreign and seem to have attitudes or evil intentions towards American consumers.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: V and H Portfolio
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the Fair Credit Reporting Act # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING Vance & Huffman LLC Account Number. : XXXX {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, 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 a list of accounts below has violated my federally protected consumer rights to privacy to privacy and confidential under 15 U.S.C Accounts capital XXXX XXXX  XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A. It also states consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reports containing any of the following items of information other than records of convictions of crime which antedate the report by more than 7 years 15 U.S.C 1681 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the. Information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
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:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not 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 2023-06-14
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 my Follow-up 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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 2023-04-15
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXXXXXX Balance : {$1200.00}.

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 2021-08-30
Company: EQUIFAX, INC.
State: PA
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:
These are fraudulent and inaccurate items are on my consumer report. I havent received anything regarding these fraudulent accounts, yet they remain on my report. Someone has stolen my identity, and I have also made filed a complaint witht the police officer concerning this matter, as directed by the represented of your company they also told me to send this FTC paper which is attached. These fraudulent accounts must be removed as they are not mine and are identity theft. I am trying to get my house, so my lender told me they can not be in a dispute they need to be removed, so please remove them as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Mailed to Transunion, XXXX XXXX to remove inquiries on credit report that were not authorize. I have mailed letters to advise and no response back after 30 days. I called and customer service was not willing to help to take care of these negative inquiries reporting to my credit. I would like to keep my credit good and prevent inquiries that I did not authorize off my report. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX 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