BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
Company: TekCollect Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Called Tek Collect XX/XX/22 and XX/XX/22 left msg for a XXXX XXXX. I have a new evidence on the the illegal debt collection of this account and how it is being reported. See attachment for details. The reporting of this account maybe be out of compliance according to industry standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Transworld Systems is currently attempting to collects debts which are the result of fraudulent use of my identity and identity theft. The company has violated both the FCRA and the Fair Debt Collections Practices Act. The company is not licensed in states where they are attempting to collect debt. The company shares private information with employers and family members and used harassment tactics to collect fraudulent debts on my credit file in the amounts of {$1000.00} opened XX/XX/2021 {$970.00} opened XX/XX/2021 {$660.00} opened XX/XX/2021 These debts are fraud and identity theft and must be deleted from my credit file immediately under Section 609 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$67.00} XXXX XXXX ), XXXX XXXX XXXXXXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$360.00} XXXX XXXXXXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$900.00} ), XXXX XXXXXXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$440.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$850.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$2400.00} XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2016-11-10
Company: KEYCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I WAS THE EXECUTOR OF MY FATHER 'S ESTATE.A BANK ACCOUNT WAS OPENED # XXXX.I WANTED TO FIND OUT WERE THE LAST CHECK FROM THIS ACCOUNT WAS DEPOSITED.I GOT A COPY OF THE CHECK BUT THE BACK IS ILLEGIBLE.I HAVE A RIGHT TO KNOW WERE THIS CHECK WAS DEPOSITED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I sent certified letters disputing these unknown inquiries to no avail they were not removed. it has been over 60 days since i have been requesting for validation and deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Experian Information Solutions 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:
The consumer reporting agency, Experian, has furnished my consumer report without my authorization. And gained monetary benefit by selling my information to another consumer reporting Agency. This happened on XXXX XXXX. I attempted to contact experian multiple times concerning the issue and they keep telling me I have to take it up with XXXX  XXXX XXXX. Even though I never gave Experian Permission to furnish my report. I called XXXX  XXXX XXXX, and told them the same thing, I never gave you written consent to furnish my report. This same process has occurred with XXXX XXXX, on XXXX XXXX. Ive contacted both parties and still no resolution to this matter. Experian keeps telling me I have to contact the other party for them to delete it. And XXXX  XXXX XXXX XXXX XXXX XXXX tell me the same about Experian. It seems like they dont want to own up to violating my consumer right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently checked my credit report and noticed due to the XXXX data breach i have identity theft related accounts on my credit report that I did not create. This been going on for a longtime and its detrimental to my reputation that transunion continue to report these accounts.

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 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
I am writing to formally contest an entry on my credit report, which I believe has arisen due to identity theft. After recently reviewing my credit report obtained from your bureau, I have identified inconsistencies pertaining to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I neither initiated nor authorized the opening of these accounts, and it has no association with me. I suspect that my personal information was compromised, leading to the unauthorized establishment of these accounts. To support my dispute, I am furnishing the subsequent information. I kindly request that you embark upon a comprehensive investigation into this matter, expunge the fraudulent account from my credit report, and furnish me with a corrected credit report upon the conclusion of your investigation.

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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 regards 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, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 filed a Dispute in regards to the incorrect items on my credit report with Credit Bureaus XXXX and Transunion on XX/XX/2022. It has been well over 30 days and I haven't received any investigation results. 

Kind Regards 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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I PULLED MY CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS FROM TRANSUNION THAT DO NOT BELONG TO ME. THEY ARE XXXX XXXX XXXX, XXXXXXXX XXXX ACCOUNTS ARE FRAUDULENT PLEASE REMOVE. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2019-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
Credit was pulled I have not authorized my credit to be pulled XXXX XXXX, XXXX 2019. 
My credit score has dropped 100 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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'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 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 non-monetary relief
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-14
Company: EQUIFAX, INC.
State: CA
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
It all started in XXXX when our home was over assessed and increased taxes, which raised our mortgage payment considerably to between {$3300.00} and {$3400.00} per month in XXXX. Due to this and other bills, our monthly income fell short and eventually we started falling behind in the mortgage, which XXXX XXXX  ( the loan servicer at the time ) threatened us with foreclosure. So in XXXX we went to them to see if we could refinance and could not. They offered us a Loan Modification so we took that ; however, by the end of XXXX, we were still receiving foreclosure letters and I couldn't afford to lose the house when I was also taking care of my mother who was in her XXXX and XXXX so we filed for bankruptcy and included the house. This caused my check to be garnished for 5 years with a deduction of about {$1800.00} per pay period. So the mortgage continued to be paid by the Trustee of the Chapter XXXX bankruptcy. All arears were paid during that time and we have paid every month since this thing has ended. However, when the Loan Modification happened ( after paying 4 years on a 30 year fixed term at around 6.5 % ), our 30 year term turned in to a 44 year term when we had 26 years left, which is 18 years tacked on at 5 %. Now 4 years removed from the chapter XXXX, we tried to refinance but the {$50000.00} balloon that is tacked on to the end of this mortgage is a refinance problem. Instead of refinancing to lower our interest rate and monthly payment, the payment will be higher even with a lower interest rate. I did contact the loan servicer and asked if our interest rate could be lowered- they said no. I asked if we could refinance with them- they said no but did mention re-modification again but quickly said that they would not recommend it. 
The loan officer that we talked to when we called him about refinancing, suggested we contact you to see what could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Nelnet, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a letter in the mail in XXXX of XXXX from XXXX XXXX XXXX. and it said I could get help to payoff my private student loans. Being a naive, fresh out of college XXXX XXXX year old with thousands of debt, this offer sounded like the solution I didn't know I was looking for. 

Unfortunately, I fell into the trap and filled out forms, information, and sent my own bank info via email communication to have this company, XXXX XXXX XXXX, handle all of my private student loan payments. They offered me a lower monthly payment than what I was paying my XXXX loan provider, and I thought this was a good deal. In turn, I was supposed to ignore all communication from student loan providers and let XXXX XXXX XXXX. know of any contact from them. They sent me an agreement with all the dates that a transaction of {$140.00} would be taken from my account each month, beginning XX/XX/XXXX which would be used to put forth towards my private student loan while they worked on lowering my overall loan rate to have a faster payoff, and by XXXX, with my last payment scheduled XX/XX/XXXX, I would be debt free. With over {$3000.00} in payments to this XXXX XXXX XXXX. ( ending in XXXX of XXXX due to closing my XXXX  account ), all I received from my private loan company, XXXX XXXX, were phone calls, emails and warnings because I was missing payments. Little did I know, this was a scam and it wasn't until much after I realized my credit score had been altered significantly that this program was not going to help me eliminate my student loan, only further put me in more financial trouble. 

Luckily, I still have copies of forms and communication with XXXX XXXX XXXX, but I would really like to be able to get this cleared from my credit score, if those missing payments from my loan provider can even be excused. My mistake of falling for this scam and not sending over 20 student loan payments has resulted in a significant lowering of not only my credit score, but also my mother 's who is a co-signer on my student loans. I am not sure if this can ever be removed, but the detrimental impact on my credit score will be a financial burden I will have to face the consequences for along with my mother. I was unaware that I could even report this type of fraud until I embarrassingly admitted my mistake to my mother when she questioned why her own score had dropped. Hopefully, this will stop others from falling for the same scam that I fell for and other like this that are unfortunately out there in the world.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. I, XXXX XXXX, never gave ( XXXX, Experian, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
They also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan services Furthermore there has never been any documentation provided that validated any of these accounts. No contract with two wet signatures, no proof of full disclosure, no equal consideration provided, no lawful terms and conditions, no accounting records. 

XXXX : XXXX XXXX in Fact UCC 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 2022-10-17
Company: EdFinancial Services
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Contacted EdFinancial by phone on XX/XX/2022 regarding a refund of my student loan payment for a total of {$8200.00}. My reinstated loan total should be {$9000.00}. They confirmed my request and said it had been submitted for processing but stated it could be up to 6 months before the loans are reinstated and the refund is made. 

In the meantime, others who have requested after me have received their refund, but every time I check on the status of my balance and refund, they have no information. I never got a confirmation of any sort and I have no clue if anything is actually being done. I will be considering legal action if their insanely slow timeline causes me to make unnecessary payments and I want my loan reinstated as soon as possible, the refund is less important, and I can wait on that.

Company response to consumer: Closed with explanation