BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-03
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/2018 A collection was populated on my credit report. 
I saw that this collection was removed last year this is actually the 3rd time this company has reinsterted a collection that was removed. 
They reinsert is by changing balance, original creditor and account numbers.

I called Commonwealth XX/XX/XXXX regarding this matter. 
The agent claimed that they do not reinsert debts. 

I can clearly prove to you that they have indeed reinserted this not only once but this is the third time. attached you will see former credit reports. that show this account. 

Which they already know that this was my dads, and he had passed away. 
Commonwealth and their other Company XXXX is very well aware of this situation. 

I have submitted everything in the past I have also other certified letters from the original creditor the hospital that say that they have no record of XXXX XXXX that is writing this. 

Please tell me is this intentional? Why do you all keep changing the account numbers balances and original creditor? If it was not intentiontional please remove. I understand you all are a business but I am a real person that actually has a dad that past away with the same name. 
Also this company you claim is original creditor has a website XXXX XXXX XXXX which is very strange because in my last complaint they had another website XXXX XXXX XXXX you will see the hospitals in attached. 

I believe this company is fraudulently pretending to be hospitals in order to allow consumers and credit reporting agencies to believe that they are authentic and valid original creditors. THis is Fraud. 
I'm pretty sure Commonwealth does not know this but I am now totifying you. 

Wherever you are buying up this data is selling fraudulent information, Please see the attached. 
Last complaint with CFPB old credit report showing where this debt was reporting on credit report. 

My claim of it being re-inserted Showing what the original creditor said The collection agency saying they will remove it. 
Now collection company 's other name putting it back on Also The original creditor somehow has 2 different websites with different names.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
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:
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. 

CHILD SUPPORT XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: NV
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 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 explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: GA
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:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: Experian Information Solutions 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:
This account is fraud listed below. I demand it is removed from the credit reports immediately. XXXX Account # XXXX. The identity report is attached to 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 explanation
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I had an auto loan with Wells Fargo Dealer Services until 2014, when I paid off my loan early. I believe that my prepaid gap coverage that wasnt refunded when loans were paid off early and that the lender incorrectly applied payments. I would like my case reviewed to see if I was affected and if I am eligible for the lawsuit settlement.

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 2017-07-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX    XXXX    XXXX   XXXX  was paid in full on  XXXX   XXXX ,  2017 . The bank has failed to report to the Credit Bureaus that the loan is paid. The Credit Bureaus still show an outstanding balance of {$4000.00}. I have contacted the  XXXX   XXXX  more than two months ago by telephone. They said to give it time to show on Credit Report. I have a confirmation by email from  XXXX   XXXX  showing balance paid in full on  XXXX   XXXX ,  2017 . I attempted to file an online dispute with  XXXX   XXXX  and it came back as " automated failed attempt. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX, TransUnion LLC, and XXXX XXXX XXXX Assistance XXXX. These XXXX credit reporting agencies have failed to rectify an inaccurate bankruptcy entry on my credit report, despite clear evidence of its inaccuracy and non-compliance with the Fair Credit Reporting Act ( FCRA ). 

Despite my repeated attempts to dispute the inclusion of this bankruptcy on my credit report, XXXX, TransUnion, and XXXX have each responded by claiming to have verified the accuracy of the bankruptcy through XXXX. 

However, my extensive research clearly indicates that the bankruptcy in question has not been present on XXXX 's report for several months. As a result, the continued reporting of this bankruptcy on my credit report is both misleading and detrimental to my creditworthiness. 

I have also sent each credit bureau XXXX XXXX XXXX, citing the FCRA and providing evidence of the bankruptcy 's absence from XXXX 's report. However, they have not taken any appropriate action to investigate or correct the inaccuracy within the required XXXX timeframe. 

This failure to comply with the FCRA has caused significant distress and harm to my financial well-being, as I have been denied access to credit opportunities and subjected to higher interest rates due to this erroneous bankruptcy entry.

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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM WRITING TO DLETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEM I NEED DELETED ARE LISTED IN THE REPORT I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THIS ITEM TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account XXXX, has violated my rights. 

15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions 15 use 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: CAVALRY INVESTMENTS, LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Cavalry SPVI, LLC is taking me to court and trying to take money out of a bank that I don't use anymore. They wants me to pay the court cost. They do this every few months. Every time it is {$10.00} in court cost. the account has been closed over 2 years! they have tried over six times in the past year and half. It is getting ridiculous. I understand two times but this is harassment! when the Bank tells you the account is closed then its closed. there is no reason to keep beating a dead horse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: Experian Information Solutions 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:
Publishing collection account information on my report that's a part of identity theft. XXXX, and Experian.

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 2020-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 don't know how many times I am suppose to complain and send in documented proof of errors and federal violations to my credit report. The law states if the credit bureau does not respond/resolve a requested issue/dispute in 30 days the item is removed. Where is it legal that a creditor removes and item but the credit bureau determined to keep it on the consumer credit report. At this junction I have no other choice except legal recourse. All credit bureaus where sent certified letters in XXXX and XX/XX/2020 without a response in 30 days. See the attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When the student loans were paused for COVID, I spoke with Mohela who told me to consolidate both my and my sons parent plus loans ( I am graduated but he is still in college ) into one so that I can make the most of XXXX loan forgiveness program. I was told that I would receive about $ XXXX off of my loan and my son would receive {$10.00} off of his. Therefore, I was told I would have a similar monthly payment to what I was already paying and the consolidation would allow all loans to be forgiven under the XXXX I had applied for upon graduation. I am a civil servant for XXXX years and had been at a non-profit for five years. I was told Mohela would credit from my XXXX XXXX until the pause was over as payments towards my PSLF. However, when XXXX plan failed I was left with this huge consolidated loan with payments that I now can not afford because they will be increased to over {$1200.00} per month once my son graduates next year. Additionally, my account shows that I have no credits towards my PSLF whatsoever. I am reading online now that to qualify for XXXX I must be on an income driven repayment program. I was never told this before. I am outraged by the misinformation and have reached out numerous times to Mohela, even leaving messages. No one calls back. When you do call, you are placed on hold for hours and no one ever answers. I paid my bill this month because I had no choice. However, I believe this is a tremendous injustice to those of us who are making decisions based on the information provided by our loan servicers. Then, after we are misguided, they take no accountability for their actions. I work hard as a civil servant. I took out tons of money for a degree only to have a job I get paid peanuts for. The one hope I had was supposed to be XXXX combined with relief from XXXX plan. I deserve answers. On top of this all, my son, who I have taken loans out for has XXXX and they have never told me about how his debt could be XXXX due to his XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, 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:
XXXX 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 a account without my written instructions XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: T.S. Holdings
State: LA
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:
My information was used and there are utilitiy account and apartments open in my name and Ive tried getting them removed and letting the companies know they don't belong to me but they are refusing to remove them and being very rude and threatening me about it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Access to my  Chase   XXXX   XXXX   XXXX   Visa  Credit Card was suddenly and without any explanation stopped. I can no longer use the card anywhere. I always pay my balance in full and have no account balance, no late payments no balance due. I have not even come close to my maximum credit limit at any time during the use of this card. I have not been traveling and have not used the card in any usual wa y ( no large purchases of strange things/ no large internet purchases ). I have not changed any of the account information ( no address, phone, payment or any contact information changes ). Chase refuses to provide an explanation as to why they have frozen the account. I have another Chase Visa card which is working just fine, my Chase Sapphire Reserve Visa C redit Card. I use this card in almost exactly the same way, in the same places, and for the same items that I use the ot her Chase card for. In the past I simply used them interchangeably, so to speak. Chase is acting in an arbitrary if not illegal fashion in regard to my accounts. Please if you coul d get them to apologize and reinstate the account I would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2020 I received a call from portfolio recovery from a very nice lady, and i explained that I was fighting for XXXX, and I explained I had a lawyer helping me ( with social security only ) and he informed me it could take up to two years to get approved. I also explained that I thought I had filled out hardship paperwork. I do not remember at this time if I asked for no phone calls, but i thought this would have take care of the phone calls for now. Until ... 

On XX/XX/2020 at XXXX I received a phone call from XXXX from a lady who represented herself to be a debt collector from portfolio recovery associates. I verified my personal information, and explained that Ive already spoken with someone, and told them i was in the middle of filing XXXX, and went through the whole story AGAIN and I havent been working since last year ( XXXX ) - I asked for NO phone calls to any phone number listed in ANY OF my accounts. She even tried to verify if my phone number was a good contact number. I said PLEASE DO NOT CALL ME. 

On XX/XX/2020 at XXXX, I received yet another call on my cell phone, from a woman who again identified herself as being from portfolio recovery. I identified myself and explained there should have been a no phone calls note on my account, ( I did verify my information ) she said she would put one on there. I exclaimed that she has now broken a law, and she went on with her statements, I again stated that she had broken the law, and she told me she would put a do not call on my account. I said that shes already broken the law, and hung up. 

I am XXXX, and after explaining that my XXXX wont likely be approved for up to 2 years, Im not sure what may have changed between XX/XX/XXXX, and XX/XX/XXXX and then again between XX/XX/XXXX, and XX/XX/XXXX. Then, to ignore or disobey the do not call I had requested is not acceptable. 

I am very upset by this. If something is not corrected, I dont mind taking matters a step further. 

Thank you. 
XXXX

Company response to consumer: Closed with explanation