BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items 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, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$130.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2023-06-26
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
The following is an amendment/added issue in connection with Complaint ID # XXXX, which I filed on XX/XX/2023. So please refer to that complaint in conjunction with the following : Since filing the complaint with CFPB, I recently received a new statement and the Comenity has not only refused to remove their erroneous {$31.00} but they have since added a {$30.00} fee on XX/XX/2023 as a " Late Fee '' and a {$2.00} fee as " Minimum Interest Charge ''. So the total they claim I now owe has risen to {$63.00}! 

Comenity 's original {$31.00} they deceptively applied to my account after I paid off my balance was deceptive, underhanded, illegitimate ( there was no balance after I made my last payment of {$1500.00} XXXX paid in XX/XX/2023 ; please see CFPB Complaint ID # XXXX for details/context ), and not only did they refuse to reverse the illegitimate and deceptively applied {$31.00} ( after I paid off my account ) but they are now compounding their error with additional deceptive fees/charges on top of the original deceptive amount and the balance they claim I owe will continue to compound and increase month after month. Their harassing calls/notifications have already started. The original amount of {$31.00} was illegitimate and any additional charges beyond that/because of it are equally illegitimate. This matter will worsen month after month if they are not investigated and ordered to fix this and deem my account closed as it was when I made my final payment of {$1500.00} ( which was the final balance at time on XX/XX/2023 ) in XXXX. Why are they allowed to do this and get away with this? When will CFPB investigate this and resolve this? Who is helping me as a consumer to hold this company accountable to such a despicable and deceptive practice and resolve the issue? This is starting to impact my health and well being. Please help. Please look into this. Their original claim that I owe {$31.00} is incorrect and every charge they add on top of it is also incorrect and baseless. With the latest statement, they now say I owe {$63.00}. Next month will more. XXXX after that, it will be more. Compounding every month. Please help me. Please stop them. Please resolve this issue. Please, please. I'm begging you, please step in. 

By the way, they've stopped giving me access to the electronic statements on my account online. So I'm basing this all on the hard copy statement I've received in the mail. I just can't share the electronic version with you because they have suspiciously removed my electronic statements from my online account. 

Respectfully, XXXX " XXXX '' XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-29
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
Resurgent Capital Services I see you took full advantage of the system behind our backs when you couldn't legitimately prove I owed anyone for what you were attempting to collect so what did you do? You turned around and had LVFUNDING place it on the reporting services agencies like XXXX, I guess that collusion has worked for now, good work, but now that I'm recovering from a long illness we noticed this collusion and have taken a snapshot of it to send to the FTC. 
This kind of activity on your part shows you have no regard to what the rules are under the FDCPA OR THE FCRA and it certainly isn't XXXX XXXX compliant therefore, we will be suing you for this collusion behind our backs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been unable to get Experian and XXXX to update the following accounts. 


XXXX XXXX XXXX - correct balance {$400.00} on report {$1500.00} XXXX XXXX XXXX XXXX - correct balance {$0.00} on report {$270.00} XXXX XXXX XXXX XXXXd -correct balance {$0.00} on report {$470.00} XXXX  XXXX -correct balance {$0.00} on report {$11.00} XXXX XXXX XXXXcorrect balance {$0.00} or report {$480.00}

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 2017-03-02
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Arbitration

Complaint:
There were XXXX unauthorized charges on our expired american Express credit card ending in XXXX ( which expired on XX/XX/XXXX ) and the vendor is American Express Gift Card Department and the vendor accepted and approved the expired credit card for total of XXXX charges -on XX/XX/XXXX and XXXX there were XXXX unauthorized gift card charged to our new credit card which American Express credit card Department was transfer the expired credit card charges to our current credit card ending in XXXX and the amount was {$3000.00} ( XX/XX/XXXX ) and {$3400.00} ( XX/XX/XXXX ). American Express gift card and credit card both department was blaming us for the unauthorized charges.which we already took the trouble to change the credit card number to a new number. Nevertheless the old expired card still active and transferred the charges to our new current card without authorization from us. We were forced to pay the charges we did not authorized. Also the card were delivered to an address other than the billing address which is the proof that we did not got the gift cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-29
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury funder the laws of the United States. If'executed outsid [ of the United States ) that the foregoing is true and correct to the best of my knowledge Further, I certiy that i am permised by FEDERAL and STATE LAW to tie this dispute 1 also understand that knowing and willul misstatements or omissions of material facts consttutes a FEDERAL CRIMINAL VIOLATION punishable under 18 US C. 1001 Additionally these misstatements are punishable as perjury under 16 U S C 1621. This collection found within my credit report are not related to any transaction that I made I alleging that a person or company- without my authorization- used my personal identilying information to apply for goods, services, or money and, was successful in creating some accounts. All is being investigated by me FTC

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 2023-04-09
Company: Affirm Holdings, 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: Information belongs to someone else

Complaint:
While I was XXXX  and unable to check and monitor my credit I was a victim of identity theft and then the pandemic was in main swing and I'm just getting all the information I need too file my complaint and request these accounts be removed from my credit reports please and thank you. 
XXXX I have enclosed in the attached documents the list of all accounts not mine good bad or in between

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: EQUIFAX, 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:
I am interested In disputing all incorrect information on my credit report with Equifax. checking all information listed the data is incorrect. please remove all listed items to correct my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Opened the card in XXXX, went to collections, paid the full XXXX $ due- XXXX XXXX knew it was paid and the debt collection agency Jefferson Capital , put two collections on my credit, that were over with. I disputed both one for {$590.00} and one for {$660.00} in XXXX, it came back and they deleted it from my credit report. But it still remains on there, and a few weeks ago the one for {$590.00}, itll be falling off in XXXX anyways because it will be 7 years. But they inaccurately put it on my credit and said I t was opened 4 months ago and was seriously delinquent, but never did i receive a notice or phone call saying I had a debt. But it was paid back years ago, and so was the other one. {$590.00} collection by the same Jefferson capital, was opened in XX/XX/XXXX. And they have it saying it doesnt fall off until XXXX. I have disputed this and it was 100 % inaccurate. As soon as I started to find a mortgage loan they come back to my life and say I owe this. And it should be illegal to dropping my credit score and making it look like I have derogatory marks with them on my credit report. They ruined my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
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: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. JUST NEED THIS REMOVED BEST WAY POSSIBLE XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-02-12
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
In accordance with the fair credit reporting act XXXX accounts -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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I 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 wriiten instuctions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Apelles, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of 2018, someone used my personal information and opened up two accounts with XXXX XXXX, one checking account and one credit card. I resolved this with XXXX XXXX  at the time and have a letter from them confirming that I do not owe them anything and the accounts were found to be fraudulent. Now, a year later, I am getting calls from a collections agency called Apelles LLC saying I owe them for an unpaid debt from XXXX. I have tried to resolve this with the collections agency by letting them know this was already taken care of with XXXX, but they said I need to deal with XXXX  to get the account closed. When I called XXXX XXXX, they transferred me to several different departments before finally saying this could only be resolved with the collections agency. I attempted to contact the collections agency again, and I can not get through to a representative. I am getting the runaround from these two companies, making it impossible to resolve a situation I believed was resolved a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: Possible Financial Inc
State: LA
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: Problem with personal statement of dispute

Complaint:
The XXXX XXXX bank claim account opened on XX/XX/2021, and the credit run-up is XXXX. I explained to the provided proof when first contacted in reference. That I had been in Michigan since XX/XX/2021, helping my parents. My dad was placed in hospice around that time. While gone, the neighbor 's daughter allegedly was the one who broke into my home, took a nice one, stole XXXX that I no longer used, and did quite a few things without my permission. I even provided the XXXX lady 's name. The police couldn't do anything because there wasn't any hard proof, just hearsay. The company was supposed to send me a packet and didn't. I mean, what more can I do? I'm also trying to clean some other things up from that mess. But I refuse to pay for something not even close to mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
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 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion 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 explanation
Consumer complaint received 2020-04-01
Company: Experian Information Solutions 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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$15000.00} XXXX XXXX   XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX   XXXX {$980.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$200.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX   XXXX {$0.00}

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 2023-04-29
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am the private student loan holder, XXXX XXXX and my dad is XXXX XXXX. He cosigned about 23 years ago and since then I've graduated with a bachelor 's and have made consecutive payments for over a year. 

Furthermore, my father filed for bankruptcy and they are suppose to leave him alone. The reason I'm filing a complaint is because I lost my job in XX/XX/2023 but still carried on paying the {$100.00} a month. It became too much to pay by XX/XX/2023 soni called Navient customer service at the end of XXXX requesting a temporary forbearance. The agent I spoke with told me that I'm not required to make payments on that loan right now due to a legal issue going on. They didn't tell me much but I assumed it was due to my dad 's bankruptcy. So I didn't make my XXXX payment under the assumption that I was not required to. 

My dad calls me yesterday to let me know that Navient has been hassling him with robocalls several times a day. Unless Navient lied to me, then I'm not liable and I'd like them to stop calling my dad 's house ASAP. 

I'm not able to call them at the moment but I did email them to let them know with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Angel Oak Home Loans LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received notices in the mail from our homeowners and flood insurance companies that the policies had not been paid by the XX/XX/XXXX deadlines and the policies had expired. I called Angel Oak to discuss the matter and spoke with XXXX on XX/XX/XXXX. She acknowledged that the policies had not beed paid out of escrow because they had to " work out the kinks '' in their new system and she had only received " training yesterday '' on how to make payments. She acknowledged that Angel Oak was aware it was not making payments out of escrow even though they were due, and hadn't notified customers. I asked her to send me confirmation of payment as soon as possible, as well as have someone call and explain how they were unable to make payments due to a " new system ''. As of today XX/XX/XXXX, they haven't made payments on the policies, provided evidence payments were made, or contacted me with any explanation. I've had to pay the policies myself, and hope for a refund if and when they pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Value Auto Mart Inc.
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX calls me everyday to collect my daughter 's debt and I am willing to communicate with them. My daughter agreed and asked for something in writing. After this they continue to call but are changing their mind regarding the agreement. My daughter will not communicate with people because of her XXXX and they were willing to talk to me before. Now they are saying they spoke with her ( untrue ) and are telling me they know my name and where I live. To me this sounds like threats.

Company response to consumer: Untimely response