BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: CA
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. Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Acount name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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. And i have filed police report as well

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 2021-01-05
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:
I disputed an accounts reported by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the item was deleted from my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXXNow I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XX/XX/XXXX 
Please govern yourself accordingly.

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 2021-04-06
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX we received notification from XXXX XXXX XXXX about an attempt to collect an outstanding debt from XXXX XXXX XXXX XXXX in the amount of {$250.00}. ( SCS Acct # : XXXX ) We responded to the attempt to collect with a dispute on XX/XX/XXXX providing a 5 page written document and multiple pages of supporting bank account documentation and sent it via the US Postal Service to the mailing address provided by SCS XXXX Inc. ( XXXX XXXX  XXXX, XXXX, NY. XXXX ). This response to the Attempt to Collect was well within the 30-day  window required by law. 

On XX/XX/XXXX, at approximately XXXX Hours, we received a phone call from XXXX advising us she was reporting our outstanding balance to XXXX XXXX XXXX XXXX to the credit bureaus as we had not shown proof that we had filed a dispute or paid the outstanding balance of {$250.00}. ( SCS Acct # : XXXX ). 

XXXX also further stated to my wife that she had not received any formal documentation from us, felt we were lying, and XXXX XXXX XXXX is a multi-billion dollar company so why would they care if our credit was damaged due to our inability to pay. XXXX was told it was not an issue of our inability to pay, it is that we are being made to pay for charges we did not incur after our account was closed and this was not the first time we'd played this game with XXXX XXXX XXXX and on principle alone, we were not willing to pay them for services not rendered. XXXX did not leave an extension or call back number. 

XXXX is incorrect in that we DID send an entire packet of hardcopy documents to Sunrise Credit Services on XX/XX/XXXX via the XXXX Postal Service and CCd to our retained legal team at XXXX XXXX XXXX. 

Attached below you will find the entire letter initially sent to SCS , IncXXXX and the supporting documents attached as PDF copies. All of the attached documents provide a very detailed breakdown of the disputed amount and reasoning. 

All documentation was also emailed to multiple email addresses at SCS, IncXXXX on XX/XX/XXXX at approximately XXXX Hours.

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 2023-10-20
Company: Experian Information Solutions Inc.
State: MA
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 2019-07-02
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: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. I have no idea where this balance has come from, I left on good terms with them and even got my full deposit back. I've received no notifications for this debt and have no idea why this is here. This debt is not mine and I do not owe 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
Consumer complaint received 2021-08-12
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I established this loan in 2003 as a co-signor for my ex wife. The loan was originally for roughly around {$7900.00} funded by Sallie Mae for her to attend medical billing school it has since been assumed by Navient. 
In 18 years this loan has grown to over {$11000.00} because of all the deferments and forbearance by the primary borrower, so in over 18 years the loan has gotten worse with little to no assistance from the primary borrower. 
I have attempted on several occasions to lower or remove all of the interest and negotiate the principle but have been unsuccessful. 
She attended XXXX XXXX in which was a total rip off and did not help her gain employment in that field at all after completion

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/ I received a debt collection statement from Helvey & Associates representing XXXX XXXX Ohio & Kentucky in the amount of {$140.00} for account XXXX ( see attached Ref # XXXX ). I am a customer of XXXX XXXX in North Carolina. I contacted XXXX XXXX XXXX Customer Service department. I spoke to XXXX and then to XXXX with XXXX XXXX and was told there was an account set up in the name of XXXX XXXX XXXX for XXXX XXXX XXXX, XXXX, Kentucky on XX/XX/XXXX @ XXXX and was active through XX/XX/XXXX. I registered a complaint that this account was not mine. XXXX called me back after speaking to her supervisor and advised me to start this process. 

I also completed and returned the form ( Ref # XXXX ) to Helvey and Associates stating that this was not my debt.

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 2023-06-07
Company: Experian Information Solutions Inc.
State: NJ
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 2019-07-02
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. I have no idea where this balance has come from, I left on good terms with them and even got my full deposit back. I've received no notifications for this debt and have no idea why this is here. This debt is not mine and I do not owe it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I had a HELOC with XXXX. They went out of business and it was assigned to SLS. I filed XXXX XXXX and included SLS. That was XXXX or and never heard 1 word from SLS for 10 years. They contacted me in XX/XX/XXXX and demanded $ XXXX or they would foreclose. I pleaded with them but paid the $ XXXX. The balance should have been $ XXXX. Now Im trying to refinance to pay them off and theyve added to the balance, all payments and interest due for the past 10 years increasing what I owe to $ XXXX!!!! This is so unfair. Please help me. They are so rude and wont even discuss a solution with me. They never contacted me at all until they saw property values have greatly increased so now they want their money and threatening us. We are under so much stress and pressure with this

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 2023-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I contacted CapitalOne regarding the interest earned on my savings account. My deposits in XXXX only earned a 30bps yield in Q4. I called on XX/XX/XXXX ( XXXX EST ) to ask why my account was not earning the 3 % + rates they were advertising on their website. The customer service agent I spoke with was named XXXX XXXX XXXX ). She explained that I had an older type of savings account called " 360 savings account '' and that only the newer " 360 performance savings account '' earns the higher interest rate that are advertised. She further explained that the types of savings accounts were identical to each other ( no fees, etc. ), but the only difference was the yield of the account. I asked why my yield was not changed and/or was not upgraded given that is the only savings account they're offering to the public at this time. She did not offer an explanation but stated it's my responsibility to check yields and that they're available on their website. 

I have had the money in the account for 10+ years and never once was notified that my account type was " old '' and wouldn't receive higher interest rates. The CapitalOne service agent did say they have received numerous complaints about this, but the only thing I can do is open a new account and transfer deposits into it. They could not pay me for the interest I didn't earn because my account type was " old ''. I believe this is a bait and switch tactic to get people in the door, advertising high interest rates, but then they don't notify customers their accounts are obsolete and won't earn higher interest. This practice is unfair to the customer and not ethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Re : XXXXXXXX XXXX XXXX ; {$120.00} Balance This account in collections with XXXX XXXX XXXX is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and XXXX XXXX XXXX have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general in XX/XX/2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by 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 2023-10-20
Company: Experian Information Solutions Inc.
State: TX
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 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 2022-12-19
Company: Southern Management Systems Inc.
State: MI
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 ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Conduent Incorporated
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Before I received the card I called customer service to get an estimate on when I would receive the card in the mail, I verified all my information correctly and was told subsequently that my account was locked due to the phone number not being registered under my name. I told them at the time I signed up for unemployment I couldnt afford to pay my phone bill and used my roommate number as it was the best way to reach me at the time. They told me that my account would be closed until I provided a valid ID. I dont have an ID as I was evicted and moved to a motel and around during the hardship and had my wallet stolen with all my things at such motel. DMV is backed up for the next 5 months in my area and I barely have money to eat let alone pay for any fees. I was counting on my unemployment to get out of this hole but now way2go is punishing me for not having a phone under my name. I can see if I gave the wrong information but I didnt. I really dont know what to do do at this point and hope this agency can help me access my funds as it is my last chance. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
An account on my report I do not recognize

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 2023-05-23
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights, 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Capitol One is constantly sending a debt to my credit report from decades ago for XXXX plus dollars about a credit card debt they say I had but never had. It results on my report update XXXX XXXX. I never had a Capitol One Card in my entire life only Visa.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: CA
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:
VARIOUS FINANCIAL INSTITUTIONS, SHARING MY PERSONAL INFORMATION WITH 3RD PARTY AFFILIATED AND NON AFFILIATED ENTITIES!! 21 INQUIRIES WHICH AGAIN VIOLATED MY PERSONAL INFORMATION PAYMENT HISTORY AND ANYTHING TO DO WITH ME PERSONALLY! @!

15 USC 6802 A, B, C,

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 2022-11-29
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXX acct # XXXX, ( XX/XX/XXXX ) amount XXXX XXXXXXXX XXXX acct # XXXX ( XX/XX/XXXX ) amount XXXX XXXX XXXX XXXX XXXX acct # XXXX ( XX/XX/XXXX ) amount XXXX XXXX XXXXXXXX XXXX acct # XXXX ( XX/XX/XXXX ) amount XXXX in accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. also 15 U.S.C 1681 section 604 A 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 2021-01-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2021 I reached out to XXXX  to have a fraud alert removed from my credit file considering it has never worked to prevent credit inquiries and inaccuracies. Per the rep she verified my information and advised she had removed the fraud alert. I called on XX/XX/2021 to confirm the fraud alert had been removed from my credit file and was told it was still there and it was an active-duty alert. I asked her how is this possible when I have never served in the military. She could not explain and told me I needed to speak to another department to have it removed and they were closed for the day. I am so frustrated with the credit bureaus because they are adding things to my credit file that is inaccurate and invalid. I also noticed several invalid addresses, names, inquires and accounts on my report and I have disputed them several times before and they remain on my credit file.

Company response to consumer: Closed with explanation