BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-20
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:
This is a formal complaint against Experian, specifically with the Special Cases Department. I am doing this complaint through this because the agents of this department in Experian don't want to take my disputes, I have called multiple times, and they don't want to take action to do the right thing to remove the accounts that I am disputing of the unauthorized accounts. The agent of Experian says that the accounts that I disputed were already blocked, but that the creditors unblocked them and that they can't block them again. This is illegal and wrong, because I am aware of the federal laws of the section of the 605B of the Fair Credit Reporting Act and they are going against it. And I am within my rights to call the block and remove of these accounts as soon as possible after this complaint. 
( I am writing to inform you that I am a victim of identity theft. The information listed below, which appears on my credit report, is not related to any transaction made by me. Such transactions are the result of identity theft. Please block this credit information and send the required notice to all the businesses that provided you with this information. It is illegal and wrong for Experian workers to mistreat me, special affairs officers do not want to make disputes with me, they refuse and on the other hand allege that the police report that I provide them does not comply with those they establish, if this is the case because they refuse to supply what the police report should be like so I can request as they please. Since police reports are as they should be and as required by the federal government. In addition to the fact that you are reporting an account opened under fraud and it is also illegal and incorrect for you to refuse to make the dispute, I have every right to request and demand that these fraudulent accounts be blocked immediately and according to the federal laws that protect me since I am a victim of identity theft and I am providing a police report and all the documents required by law to support this fraud. Section 605B of the Fair Credit Reporting Act, which states that your company must block fraudulent information from my credit report that is the result of identity theft within 4 business days and that you must promptly notify providers who supplied my information. ) The accounts I am disputing are the following : 1. XXXX XXXX XXXX BALANCE ACCOUNT {$730.00} 2. XXXX XXXX XXXX BALANCE ACCOUNT {$95000.00}. # XXXX 3. XXXX  XXXX XXXX BALANCE ACCOUNT {$62000.00}. # XXXX 4. XXXX/XXXX  BALANCE ACCOUNT {$1100.00}. # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Automated Collection Services, Inc.
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection Company : XXXX Dates : XX/XX/XXXX - Present In XXXX I went to the hospital and my mom had submitted my insurance. From then I never heard anything from the hospital trying to contact me about the bill, nor did they tell me they had sent me to collections. The only way I found out I had been sent to collections is when I tried to buy a car and the dealership ran my credit and told me I had a collection company trying to collect a debt in my name. If I hadn't try to buy the car I would have never known. 

So, I called the collection company and set up a conference call with my uncle where we agreed on a payment plan of {$58.00} until my total EST amount of ( {$1200.00} ) was paid. I have since learned that I have actually been paying more interest than principle on the debt. They have been allowing me to pay $ XXXX while charging me {$97.00} ( 7 % ) /month. 

I have since called the hospital and paid a settlement fee of {$390.00} on an existing bill to stop the interest on my account in collections and instead pay {$1200.00} to the hospital. 

The problem I'm having was that when I contacted my bank to get my account statements, they tracked my first payment to XX/XX/XXXX. By doing the calculation of {$58.00} x 27 ( months ) = {$1500.00} I should have already paid off my debt. My bill is now estimated at {$1600.00} dollars with the collection company. It has gone up and I've paid over the amount owed. 

IM GOING TO PAY OFF MY {$24000.00} car before I pay off a {$1200.00} debt if they continue to do this to me. 

The hospital told me these people are '' nasty '' and the hardest to work with. I have been getting taken advantage of and really need help with them lying and saying there was no interest and not notifying me of being sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-08-24
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:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date XXXX Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX  Date of Inquiry XX/XX/2022, XXXX  XXXX of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXX XXXX  XXXX Date of Inquiry XX/XX/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 explanation
Consumer complaint received 2023-01-24
Company: Incomm Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I filed a fraud dispute with this company back in XXXX XXXX over the phone. I later found out that I needed to fill out a form and send it back to them. I did so in XXXX and they confirmed receipt and assigned it to Case ID / XXXX. As of XX/XX/XXXXXXXX, they finalized my case and it was denied, with no just cause ... Again, this was a FRAUD dispute. Meaning someone stole my card and used it without my permission. These clowns completely mishandled my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: HEARTLAND PAYMENT SYSTEMS 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 Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXXXX/XX/ Balance : {$450.00} XXXX XXXXXXXX XXXX Date of inquiry:XXXX TSYS Date of inquiry:XXXX XXXX Date of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: Central States Recovery, Inc.
State: KS
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:
I have paid the debt to the original company. I have called XXXX XXXX XXXX XXXX in XXXX XXXX, ks with no response and I have contacted central states recovery in XXXX, ks and they havent remedied the issue. It's been a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: Conn's, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Conns has stated that I owe {$4100.00}. This amount is inaccurate. I filed a claim with the FTC that Im a victim of identity theft. Conns has not attempted to help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I owe about {$2200.00} to Synchrony Amazon, ( which is the bank that collects funds for debts owed to Amazon.com ). I am not able to log into the Synchrony Bank website to try to pay the debt with my credit card online. I sent a letter in the U.S. Mail to Synchrony Amazon and it came back returned without being opened because the laws of the U.SXXXX government are required to do that in the case of defaulting on debt payments. Their website states that I must call them on the phone. I refuse to call them on the phone. They are required by law to send me a statement in the U.S. Mail along with an envelope for the purpose making the payment via the U.S. Mail. They are deliberately trying to circumvent that method of being paid because of the marketing policies that concern their brand name as a big reputable bank. I want them to send me a statement 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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 filed a dispute with XXXX in XXXX and they didn't update the amount owed, nor did they cease attempting to collect on the amount that was in dispute. I called, emailed and sent support tickets requesting that the amount be updated as well as clarity on what exactly was owed so I could pay it, however no one responded to any of my requests.

After numerous attempts to contact the creditor, I filed a dispute with the credit bureaus because the amount showing that I owed was wrong and the company reported me late 30 and 60 days. I reached out about the error in reporting and for the correction to be made to the amount owed. The company finally corrected the amount owed however they did not remove the late reporting to my credit report as promised. 

Attached is communication with XXXX XXXX about the information. They stated that they would correct the backdated history, however the 30 day late is still on my report. 

Thank you.

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 2023-06-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

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 2023-05-20
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: Their investigation did not fix an error on your report

Complaint:
After reviewing my credit report, I have identified inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and it is significantly impacting my life. I kindly request your assistance in resolving this matter.

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 2023-10-23
Company: Westlake Services, LLC
State: AL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
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 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 A 2 : It also states a consumer report agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May not treat a payment on a loan account under an open and consumer credit plan as late for any reason.

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$550.00} XXXX XXXXXXXX XXXX Balance : {$540.00} XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on 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 2023-05-20
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
None of these accounts belong to me XXXXXXXX XXXX XXXXXXXX XXXX is not my address and has never been my address all of these credit cards are closed the inquiries on my credit report are not mines never applied for those merchants

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX Balance : {$870.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: PA
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:
Equifax failed to do a proper investigation once again with the XXXX account after I submitted a complaint. The account should not be reporting on my credit bureau. I did not authorize them to report it. They updated this account again incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: CA
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:
Credit bureaus includes identity theft info that does not belong to me and they still haven't been able to update my information despite several request. I'm attaching driver license, utility bill and social security for them to update and delete all information not matching my driver license. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Jobs : XXXX Phone : XXXX The rest do not belong to me, I live at this address since 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 2020-03-20
Company: EQUIFAX, 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 writing to file a formal complaint against XXXX/Department of Education for their inaction to validate information being reported to the credit bureaus. 

My credit report that I had recently obtained show a series of late payments which were incorrect. 
XX/XX/2020 : via certified letter, I requested a FULL complete 24-month payment history of all accounts associated with my social security number. As within my rights, I requested the full double entry bookkeeping accounting ledger which would prove my payment history. 
XX/XX/2020 : The letter request was received by the XXXX/U.S. Department of Education in XXXX, NE. 
XX/XX/2020 : A standard form letter was generated from XXXX with incorrect Account Number which did not address my request at all. 

Simple math tells me that an investigation was not completed as the standard letter that was sent in response was generated within a week. I am at a loss as to how payments can be reported incorrectly to the credit bureaus against me if the data provider does not validate whether my account was actually late. Doesnt the Fair Credit Reporting Act prevent this? I am seeking your intervention with this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
By mistake I made an additional $ XXXX payment towards principal on XXXX XX/XX/2019. Either Mr. Cooper return me that or apply that for the reminder of the payments ( so that i don't have to make the payments of $ XXXX ) this year. 

I prefer refund of $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I called several mos ago regarding all these overdraft fees. I wanted them to NOT pay if my funds were not there they said it was a built in the system that they had no control over.

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 monetary relief
Consumer complaint received 2023-10-23
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I am not able to spend the {$50.00} prepaid card anywhere. Payment is declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14
Company: Paramount GR Holdings, LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX of XXXX a salesman for XXXX XXXX named XXXX knocked on our front door selling Solar Panels Program. We listen to his offer and accepted it to get Solar Panels installed, grid attachment equipment, Solar Panels, and the Loan Financing program to pay for it all. The loan financing involved a {$49000.00} loan paid for over multiple years. The federal tax rebate was additional incentives described to us to further sell the program. We were told or offered that if we gave them a large portion of our rebate the interest rate of the loan will not amortize to a higher interest rate within an 18 month period. We accepted that offer and signed the loan papers. The loan amount was set at {$140.00} per month till it was fulfilled. If it amortized it would increase to $ XXXX per month till the loan matures. The rebate example agreed in question was 26 %, the IRS increased it to 30 %! The catch was no matter how much you made the rebate was not all paid the first year of the loan. 26 % was roughly {$12000.00} to {$14000.00} to be paid directly to the loan company within 18 months of the loan start. What we discovered was we only got a portion of the rebate because we didnt have more that was setback for refund by the government. The loan company knew this knowing that the loan would amortize to a higher rate because they knew consumers never got ALL of their rebate the first year anyway knowing that if we knew this we would of never signed that agreed to get Solar Panels know it was too much for us to pay like that!! Salesman : XXXX XXXX XXXX : XXXX XXXX XXXX Amount : $ XXXX Rebate at 30 % : {$14000.00} Year XXXX Tax Refund : {$4500.00} XX/XX/XXXX loan amortized to $ XXXX monthly. 
Finance Company : Goodleap They presented a fictitious and illegal instrument for us to sign knowing it was impossible to fulfill by IRS rule!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation