BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: Sentry Recovery and Collections, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was living here and I had to serve them papers due to my house looking like someone tried to break in and there were things in my home need fixing they didnt fix it I served them and in the certified letter it stated that if things didnt get fixed in my home within 14 days I would breach lease but as this is going on I was assaulted by someone in the parking lot of the apartments I was wrongfully taken to jail and my baby was taking away well the judge dismissed case due to me being wrongfully arrested so I was released and since XXXX had record of the person who assaulted me they urge that me and my baby XXXX move out of state back to my hometown so I moved and they tried to retaliate because I served them papers so they served me papers back XXXX  day notice but since I was urged to pack up and leave state I moved the same day that paper was put on my door a few days later I had caught Covid fast forward months after I moved I started getting harassment calls from a debt collectors regarding this matter they would call threatening me about the debt now this is really affecting my credit Im a single mom trying to make it in this world

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: EQUIFAX, INC.
State: FL
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:
XXXX and Equifax have been contacted a few times mainly by email and phone in requesting a dispute ; in regards to removing a bankruptcy from my report. The other two bureaus removed this file ; in which, it was placed without my consent. Verification was provided to both XXXX and Equifax to inform them I am who I said I am. However, the file still remains on my report. The court system has stated they do not report to credit reporting agencies with this type of information. This is labeling me as a high risk, higher interest rates, additional deposits, and more. XXXX buy this type of information from databases, and place them on reports without the individual 's consent. This becomes a breach of the privacy of others. I will be in the process of obtaining funding and purchasing a property, and I will not for this to be a blockage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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:
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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, 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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX Account #, XXXX XXXX and XXXX XXXX # XXXX 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. 


XXXX According to the agreement, it was XXXX I made the following payments of XXXX which were to be on the XXXX of each month. 

XX/XX/2020 check # XXXX I made a payment of {$1000.00} XX/XX/2020 check # XXXX {$340.00} XX/XX/2020 check # XXXX {$340.00} XX/XX/2020 check # XXXX {$400.00} TOTAL PAYMENTS {$2000.00} PAYMENTS WERE RECEIVED UNTIL XXXX XXXX WERE PENDING, They stopped with the payments by covid XXXX emergency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: PREFERRED CREDIT INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Theyve called XXXX times about a water soft system, and Ive repeatedly told them I dont have whatever that is! They are saying they have my signature but I havent signed anything about a water soft system! I dont live at this address they say it is located! I was told by XXXX of there agents that this would be removed, and now I have to go through all this headache. Ive never been married ever, they are saying I signed this with a spouse. This is putting a bad impact on my credit report, not to mention it is reporting as a credit card, I dont have any credit card for this company! I would like this fraudulent inaccurate information removed from my credit report. I have attached a image of this reporting as a credit card, but how can a water system be a credit card! This really hurting me, reporting this false information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX  XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
University XXXX, XXXX CTI have a private loan with American Education Services. 
There is a discrepancy with the interest I was charged and my outstanding balance. 
I will upload any documentation necessary for an assessment of this situation. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
My ex-wife received a credit card from American Express that was previously removed from my account. My ex-wife used the card thinking it was her card from her own account. The debt went on my account. American Express started removing the expenditures from my account but then stopped and started charging me. My ex-wife has stated to American Express that she will pay the charges. American Express has not collected from my ex-wife and is trying to collect from me even though they are not my charges and American Express has all the information needed to contact my ex-wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: ROYAL UNITED MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My partner ( XXXX XXXX ) and I applied for a mortgage refinance. XXXX was removed from the application. We were not given all the information on that. Then I was denied for " Unacceptable type of credit references provided. '' I don't know what that means.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: World Acceptance Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have directed them to XXXX XXXX XXXX XXXX who I am working with on debt consolidation. Today XXXX at XXXX they called my job which could get my fired.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
In my senior year at XXXX. 
On XXXX XXXX, 2010 a Private loan was taking out for {$5500.00} I did not authorize any XXXX to take out a private loan for me, I did not need the loan money because I was going to graduate in XXXX XXXX, 2010. I did graduate XXXX XXXX, 2010 Why would I take out a loan? It did not make sense because I was going to graduate in 2010. I am filing this complaint against Navient the private loan provider. This is a crime someone must pay for this I saw this in my student loan history I got the evidence to show

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Refund from XXXX was being made in the form of the card used on file. Although, the card numbers changed, since I lost the older card. Therefore, the credit in the amount of {$240.00}. Card numbers have changed and cause the credit to be applied.

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:
Experian phone # XXXX XXXX XXXX XXXX Is reporting this false account on my credit report please remove 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 explanation
Consumer complaint received 2018-08-12
Company: Experian Information Solutions Inc.
State: IL
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 filling a complaint against Experian and XXXX XXXX XXXX for incorrect reporting. 
I had a XXXX XXXX XXXX  charge card that was Charged Off by XXXX XXXX XXXX on XX/XX/XXXX. This account was then transferred to XXXX XXXX / XXXX XXXX on XX/XX/XXXX. I paid XXXX XXXX on XX/XX/XXXX, and the account was settled. 
On XX/XX/XXXX I had disputed through Experian that XXXX XXXX XXXX  had not updated that my balance was now zero. The dispute came back where they updated the balance, however in addition they reported the account Charged Off again, Negative Payment and Failed to Pay resulting in new late payments and credit score to drop 20 points .On XX/XX/XXXX, I disputed again there reporting was inaccurate and I wanted it corrected. The results came back an additional Charge Off and Failed to pay, resulting in my score to drop another 14 points. 
On XX/XX/XXXX, I tried one last time to dispute after I spoke to an Experian dispute specialist and he assured me XXXX XXXX XXXX   reporting was obviously not accurate but they had to update according to what they report. Once again it was reported as a new Charge Off and Failed to pay causing another 14 point drop. The results were reported as unchanged. 
I tried writing directly to XXXX XXXX XXXX but they told me my account was closed and transferred to XXXX. How can XXXX XXXX XXXX  report negative when they have no right to this account since XX/XX/XXXX. Finally I spoke to another Experian dispute specialist and he called XXXX XXXX XXXX  while I was on the phone. He verified that I was correct but because this account was transferred, he could not correct my credit report. 
This has resulted in multiple negative reporting that is not accurate.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 non-monetary relief
Consumer complaint received 2023-03-10
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: Account status incorrect

Complaint:
The Federal Student Loan company sent a letter confirming that they would update my current status and I wanted to submit the new letter to 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 2018-08-12
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/XXXX I applied and was approved for a Conns credit account for which I purchased a Desktop XXXX computer. I returned the item the next day cause I was missing a part and I was dissatisfied with the unwelcome customer service treatment. I expressed that I did not care to purchase the computer, Conns stated to me that there would be a restocking fee of I believe anywhere from {$45.00} to {$75.00} dollars, I said fine, so therefore with the returned computer sitting on the conns counter and me sitting and waiting almost 2hours and being told that I would be help by a manager, I decided to leave .After a day or 2 I started receiving harassing phone calls and threats to damage my credit. I've never made a payment as stated on my credit report and I returned the merchandise. I never took ownership of said equipment and I promise there is absolutely no proof that I made an payment as is stated on my credit report. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: Mr. Cooper Group Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM. XXXX Wednesday, XX/XX/XXXX Via CFPB and certified mail to address below Narionstar, aka Mr.Cooper Debt collector Notice Of Error/Request For Information, Including notices of error, complaints, requests for information, or other qualified written requests Attn : Customer Relations XXXX XXXX XXXX XXXX, TX XXXX XXXX : Account number for debt XXXX Dear Mr Cooper and XXXX XXXX ( debt collector attorney ), My name is XXXX XXXX XXXX and I am responding to your contact about collecting a debt. You contacted me by email on and unidentified the debt as belonging to a third party and that is 100 payments ( 8 years ) behind as the date of dischargeor that there is a second loan dated XXXX. 
I do not have any responsibility for the debt youre trying to collect. I owned the property in XXXX and the current owner is XXXX XXXX, a XXXX XXXX. She did not authorize or sought a second mortgage or line of credit loan in XXXX from Mr Cooper on the property she owns since XXXX. Any loans should check title. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. 
Stop all intimidation efforts to obligate me on debts of a third party, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or sell it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Any attempts to collect from my social security funds, XXXX funds or real estate property on an uncollectible stale or wrongful debt would be against FDCPA. 
Stop all communication of your client and/or you with my employers, family members for collection of this debt. Any damages suffered to my job are a direct effect of your collection efforts against FDCPA. 
Thank you for your cooperation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: T.S. Holdings
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A company named I.Q. Data International , Inc. is telling me that there is interest being charged on my account. They have added nearly XXXX dollars to a debt of XXXX. 

On XX/XX/2021 at around XXXX XXXX  I asked I.Q. Data International , Inc. why I was being charged interest that I had not agreed to. They told me that the " state '' is mandating them to charge interest. I asked them what state was mandating them to charge me interest, they would not name an actual state. They would only say " the state in which the debt was accrued ''. I asked them which state the debt was accrued in, and they refuse to tell me what state. 

My concern is that I am being lied to about a state mandating interest be paid. 

I am also wishing to find out which state is mandating it so I can work with that state to learn more of their policies and options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: MI
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:
THE FOLLLOWING INQUIRIES WERE NOT AUTHORIZED AND ARE UNLAWFUL AND FRAUDULENTLY LISTED ON MY CREDIT REPORT. THE INQUIRIES ARE IN VIOLATION OF 15 U.S.C.1681 XXXX  XXXX XXXX ... XX/XX/XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX ... XX/XX/XXXX XXXX XXXX XXXX ... XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX ... XX/XX/XXXX XXXX ... XX/XX/XXXX XXXX XXXX XX/XX/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