BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: EQUIFAX, INC.
State: MI
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Michigan  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative information currently listed on my credit report. I believe that there are a number of errors that need to be corrected as soon as possible. 

Bankruptcy XXXX XXXX - Discharged Case Number : XXXX To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file. 

XXXX XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. DEPT OF EDUCATIONXXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP. 

XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete these accounts from my report completely. 

XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX ( x6 ) I have no recollection of authorizing these credit pulls and I demand they be removed. 

I appreciate your prompt attention to these matters and look forward to seeing the necessary corrections made to my credit report. Please inform me in writing of any changes made to my credit report as a result of this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: NV
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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-10-11
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I called the company 10 days prior to my payment due date in order to defer my loan. I did not get an answer after being on hold for an hour. I then proceeded to fill out the deferment process online and submitted all required documents, I never received a confirmation or receipt. The day before the due date I resubmitted said documents and called the company, no answer, I then made the payment on the due date and received a confirmation, however the account has been updated to unpaid and late, I called the company again and never got a live human on the phone after being placed on hold for over an hour. This company is predatory and refuses to answer any calls or inquiries!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I hope this message finds you well. I am writing to express my concern and submit a complaint to ALLY FINANCIAL regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a XXXX  credit reporting agency, ALLY FINANCIAL will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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. 

The letters are stated with items and issues. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi it Includes XXXX people and companies, HSN, XXXX, and XXXX XXXX XXXX, I bought a bundle of computers and printer products for under XXXX, got no rewards from XXXX XXXX XXXXXXXX XXXX because they put me into collections and I was not paying automatic payments which they wanted me to do. I was paying snail mail. It's been months paid in full prior to collections and closing my card and ruined my credit. I have spoken with XXXX in person and email and phone and they did nothing to help me with this. Angry at them all.

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 2022-03-25
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 XXXXXXXX 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 Bum. 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 XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE iXXXX XXXXXXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 the amount of XXXX was taken away from me as a credit while they looked into the fraud that took place in my checking account. They fraud that took place was during the last week of XXXX I received a sms msg from navy federal asking if I made this charges to my account which varies from XXXX XXXX XXXX money sent to inmates in jail i told them no I spoke with them and they seen the charges where taking place in different states navy federal cancelled my card sent me another debit card and issued a provisional credit it came back that all the charges were verified and my problem with that is that navy federal sent me a msg saying it was suspicious activity going on and I verified that none of the charges that took places during that time wasnt me and for navy federal to take my money back is not right and I dont feel that my money is safe in there checking account when it was clearly fraud going on. What I would like to happen is for navy federal to issue me my fdic insured money back to me in the amount of {$300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06
Company: Velocity Portfolio Group
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Sir/Madam, I am writing to dispute the validity of a debt collection account that appears on my credit report. I recently obtained a copy of my credit report and discovered an account listed by your agency under the name XXXX XXXX XXXXXXXX XXXX with account number XXXX. I believe there may be inaccuracies or discrepancies associated with this account. 

I would like to request detailed information regarding this debt collection account, including the following : Verification of the debt : Please provide documented evidence that verifies the debt in question, such as the original creditor, the amount owed, and the nature of the debt. 

Proof of ownership : Please provide documentation that confirms your agency 's legal ownership or authorization to collect on this debt. 

Validation of the debt : Please provide information on the date of the last activity or payment made on the account, as well as any relevant supporting documentation that substantiates the validity and accuracy of the debt. 

I understand that, as a consumer, I have the right to dispute and seek validation of any debt that appears on my credit report. I am exercising this right in order to ensure the accuracy and legitimacy of the information being reported. 

I kindly request that you cease all collection activities related to this account until its validity has been verified. Please also remove any negative reporting associated with this account from my credit report during the investigation process. 

I appreciate your attention to this matter and look forward to receiving the requested information within the timeframe specified by the Fair Debt Collection Practices Act ( FDCPA ). Please communicate with me in writing to confirm receipt of this dispute and to provide updates on the investigation. 

Thank you for your prompt attention to this dispute. I trust that you will handle this matter with the necessary diligence and in accordance with the applicable laws and regulations. 

Sincerely, 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 2021-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
It's two cards XXXX and XXXX I've had numerous problems with Capitol One, changes in payments ( {$25.00} to {$65.00} and back to {$25.00} ) This problem is not receiving a statement for this XXXX. 
I have checked the app, every day, since the XXXX of XXXX. 
I have only used the app. I have not received statements by email or mail, ever. 
I have made payments, within one day of the statement and they refused to work with me. I've had to borrow money to make payments, already made. 
I called the company and I was told, " My statement would not generate due to inactivity ''. 
I told them it was my right to receive my statement, regardless of any purchases. 
I told them, It's unethical and fraudulent to hold my statement hostage, until I make a purchase. 
It's my right, as a consumer to receive my statements in a timely manner, every month. 
I informed them, I was not a performing circus monkey. 
This company needs oversight. 
FYI : their new excuse ; my inbox is full. 

I'm unable to attach any screenshots. 
They'll mail out a statement and my payment will be late. I'll have late fees, {$25.00} per card. {$50.00} on a fixed income. 
Why am I dealing with this obvious theft and supposed " accidental '' oversight? 
How many other people are they doing this with and they don't know, It's illegal??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
EXPERIAN I reset my password, when I sign on, it wants to send a text or call an old phone number. At the bottom of the page it states that I can answer security questions instead. When I click on that, it shows some fields, and then it states that there is in error on the page, it provides phone number XXXX, the automated system cant help me, and there is no way to reach a person it eventually locks me out, Ive called this number twice. Ive also called XXXX, and XXXX per online search, same experience.

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 2022-10-28
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:
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 records 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 items listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-03-30
Company: Solar Mosaic LLC
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Our panels were installed end of XX/XX/2022 incorrectly and disbursements were issued from Mosaic to installer without proof of job completion or the panels functioning correctly. 

We initially reached out to installer ( XXXX XXXX XXXX ) for XXXX weeks without any response. We have learned that XXXX is no longer in business. We then turned our focus to Mosaic to find out if they had dispersed all the payments for installation to XXXX. 

We are now stuck with a loan ( {$45000.00} ) that is not operational because Mosaic dispersed all funds to installer without proof of complete installation. We have reached out to Mosaic repeatedly since XX/XX/2022 requesting resolution and have received only denial of any blame. 

We've already consulted with another roofing/solar business, regarding what we need to do for the solar panels/system to be operational. The guidance is to out of pocket completely remove, rewire, reinstall panels, and also remove/replace damaged roof ( XXXX XXXX XXXX roof ) caused by original & incorrect installation. Additionally, the roofing/solar business that inspected our panels & system told us the way the panels were installed present a fire hazard. 

We believe Mosaic breached our contract by dispersing all payments to original installer without proof of operational system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am disputed this account several times and the company continues to report inaccurate information on my credit report. The account is XXXX XXXX and I need this removed immediately from my report. Under the FCRA my credit report has to be 100 % accurate and it is not. The balances are wrong, the date of activity is incorrect. The past due amounts are incorrect and the payment status is definitely incorrect. With those 5 errors and violations on the account, I would like for these accounts to be removed immediately.

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 2023-10-25
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
No notice of right to dispute on Bridgecrest response as well as sensitive account information was sent via Registered Mail displaying symbolism on envelope in an attempt to collect a debt which violate privacy laws.Violation concerning not stated on letter sent Right to Dispute. Also not made aware or given the opportunity of right to remedy " charge off '' which is a violation of consumer protection laws

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