BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-04
Company: TRANSWORLD SYSTEMS INC
State: IL
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:
Im a victim of identity theft..I was XXXX the time this account was open I have all the supporting documents far as police report, verification of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from XXXX and these things are effecting me ..I ask that these things be removed within a timely manner thank you and god bless

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
whenever I try to open account It is denied stating " You have applied a number of times and we can not verify the information you have provided at this time '' customer care said I need to wait 30 days before applying. 
I tried, it get denied all the time. 
all my information is correct. 
but they keep denying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
In XX/XX/XXXX, XX/XX/XXXX, they continue to contact my references listed on my loan who have no bearing on paying this loan. They will not lower my payment, they change every other day on the overdue days. They mis report payments. 
Their interest rates constantly change and not within the market rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: Nelnet, Inc.
State: NC
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 received form 1099C from Nelnet for the amount of {$70000.00}, however my account is still showing an outstanding balance. This document was received around XX/XX/2023. I've tried reaching out to customer service and I've submitted an email with no updates and no change to the account nor my consumer report. 
A copy of the 1099C is also attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Freeway Funding, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Freeway funding kept calling me to charge me after I found my vehicle on XXXX XXXX being offered for sale as a clean title and being sold as salvage title the same day a love interest of mine was XXXX XXXX XXXXXXXX

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 2023-07-28
Company: EQUIFAX, INC.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account Number : 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.

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 2023-01-20
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
When I pulled my credit report in XX/XX/2022, I noted that Comenity Bank had pulled a copy of my report. I sent them a letter requesting information about why they had pulled the report. I am a past victim of identity theft and found this to be the earliest warning sign that someone was using my financial information improperly. I wrote to the bank and it responded by saying that they had searched their records and found no business relationship with me and therefore would not have done so. I wrote back providing the bank with my social security number as well as the date that the report was pulled. They once again advised me that we had no business together and advised me to dispute this with the credit bureau. 
I am suspicious that they pulled my report for someone's fraudulent purpose. I want to know why the report was pulled and under which name. In the past my social security number was used with another name to fraudulently get credit. I am suspicious of that in this case. The first time that my credit was stolen I noted a similar action when my information was used to open an account with utility company. 
I am providing a copy of my credit report. Please refer to he section reporting soft enquiries as well as Comenity Bank 's responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Todd, Bremer & Lawson, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was contacted this morning at approximately XXXX XXXX. by an individual who identified himself as XXXX XXXX. He called my office and identified himself to my assistant as an attorney who was interested in talking to me about XXXX XXXX XXXX ( my XXXX  XXXX ). My assistant transferred the call to me and when I asked him how I could help him he indicated to me that he was an attorney. I XXXX XXXX myself and thought I somehow knew him. 

He stated the language informing me that he was a debt collector and that he was collecting on a debt. He then proceeded to ask me about an incident that occurred at the University of XXXX XXXX ( XXXX ) approximately two years after I no longer volunteered there as an XXXX   volunteer with the XXXX XXXX XXXX for the local chapter of the XXXX. I indicated to him that I had no affiliation with the chapter and haven't been involved with them for several years and was not involved in the local chapter or the housing corporation in any way. He stated that I am somehow responsible for a debt. I told him to contact the XXXX XXXX with any questions or their lawyers and he said that he has already done that and that they are passing responsibility onto me. I then asked him for his contact information and informed him that I was reporting him to my XXXX  XXXX and to the CFPB for improperly contacting me and he basically said go right ahead. My concern is that he contacted me at my place of employment and that he was very brazen in the way that he spoke to me which I felt was harassing in nature. As such, I would like to report him at this time since he misrepresented himself to my assistant by indicating to her that he was an Attorney and made it sound like he was affiliated with my XXXX  XXXX and somehow was acquainted with me. I felt that his tactics were misleading and deceptive and very concerning and that they violated the Fair Debt Collection Act in the way that he conducted himself. 

His contact information is as follows : XXXX XXXX of Todd Bremer Lawson ( Debt Collection Agency ) with a phone number of XXXX based on the number that he gave me. However, when he called he was listed as a local number from XXXX, FL which was also misleading as he is based in South Carolina. Their physical address is XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX. 

Please investigate this matter to the fullest to protect others from this type of collection activity. Thanks! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act XXXX the Account with the US Department Of Education, OPE ID XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was taken by ambulance to local hospital and billed as follows : Date of Service : XX/XX/XXXX Incident NO : XXXX RUN NUMBER : XXXX Amount : {$1600.00} by XXXX County Fire Protection District XXXX XXXX XXXX XXXX, CA XXXX Billing : XXXX Between XX/XX/XXXX and XX/XX/XXXX, I called and notified the billing office at XXXX County Fire Protection District ( XXXX ) numerous times that the VA was responsible for paying this entire bill. I was repeatedly told the claim would be re-submitted to the VA right away, and XXXX  would extend the due date for payment of the bill as long as they could 45 days each time. Instead of conducting business ethically, the XXXX sent this to collections in XX/XX/XXXX for {$1800.00} as follows : Account # : XXXX REF : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX phone : XXXX Address on statement : XXXX XXXX XXXX XXXX, CA XXXX I also contacted this company and repeated the process as with XXXX, nevertheless the total bill became {$1900.00} and was sent to collections with XXXX XXXX XXXX. I had moved to AZ and never received this info until seeing it on XXXX I'm rated by VA at XXXX XXXX XXXX therefore the VA is 100 % responsible for this bill. 
Per Ms. XXXX at : VA  XXXX XXXX XXXX XXXX XXXX XXXX ( phone XXXX ) who spoke with me by phone XX/XX/XXXX at XXXX XXXX, the VA approved this claim on XX/XX/XXXX and failed to follow through and actually pay the grand total of {$1800.00} ( after accruing interest ) for it as well. 
Reference Number : XXXX The dispute for this was filed approximately mid-XX/XX/XXXX through TransUnion, then rejected XX/XX/XXXX and cited as NOT being an error. The TransUnion dispute website is currently unavailable or incapable of accepting new dispute case submissions, I hope you can help. Thank you for your time. 

Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: CL Holdings LLC
State: MD
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:
XXXX 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. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 SECTION 602 A. states i have a 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 instruction. 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 REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS ACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: EQUIFAX, 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:
n accordance with the Fair Credit Reporting act XXXX the Account with the US Department Of Education, OPE ID XXXX XXXXXXXX, has violated my rights. 

15U.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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/2022 XXXX2022 XXXX XXXX XXXX2022 XXXXXXXX XXXX/2022 XXXX XXXX XXXX XXXX/XXXX/2022

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 2023-04-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
company is reporting account as open when it is a closed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: NCB Management Services Inc.
State: MD
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:
XXXX 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. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 SECTION 602 A. states i have a 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 instruction. 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 REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS ACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions 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:
Reached out to the company over 45 day regarding unauthorized inquiries. Still no up date on my report. Every inquiry on my report is unauthorized.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXXXXXX Account ( XXXX ) Name ( XXXX ) and Number ( XXXX ) : Record type : Public Record : XXXX XXXX bankruptcy dismissed ; Reference number : 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 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 explanation
Consumer complaint received 2023-09-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
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 have tried to resolve issues with Account Resolution Services ( ARS ) a number of times and it still is reporting on all 3 of the credit bureaus. 

In my last attempt I sent a certified letter ( number XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/2023 to ARS asking them to send me a mutually signed novation with regard to the alleged debt. They have yet to respond ( about 5 months ) and they have 3 accounts still listed all for the same amount {$970.00}. 

Even if they still think they have a valid claim, which I do not think they can validate it, plus their non-response to my letter constitutes an agreement where they are barred from legal action to the alleged accounts, [ 15 USC sec 1692e ( 8 ) ] states that they must, minimally, inform the credit bureaus that the debt is disputed. 

I am uploading the letter that I sent plus the green  return receipt card for the certified letter as proof that they received it. 

Thank you in advance for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Affirm Holdings, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the past several months would receive calls from affirm 3 or 4 times a day. Even late at night after 8 and close to 9 which is very inconvenient to my family trying to sleep and a new born child. Tried talking to representatives but would not listen and kept talking over me as the caller only wanting debt and not discussing any issues brought up

Company response to consumer: Closed with explanation