BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-31
Company: First Federal Credit Control, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a complaint on XX/XX/2023 with First Federal Credit control in regards to XXXX separate collections they have been reporting on my credit report. They stated they would send me the requested documentation of my debts for {$560.00} and remove the collection for {$300.00} as they couldn't provide documentation I requested. However, i have not seen the one for {$300.00} be removed and the documentation that was sent to me for the debt of {$560.00} was not complete. The breakdown that was sent does not show any proof as to what was paid and what was not. What portion of payments went to what and what is still outstanding. I would like this in detail as well so I'm able to verify what is outstanding and what's been paid for already. 

I requested proof of my authorization given to you by the original debtor and was NOT provided this. I am aware that the XXXX does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request was twofold -- validation of debt and XXXX authorization. I asked for you to Provide a copy of my signature with the provider of service to release my medical information to you and you did not provide this. 

If you are unable to provide all requested documentation then you are not following proper the FDCPA. 

So again, I request documentation of my original signed authorization from the provider of the service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it XXXX be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent, XXXX. I will await your reply with the above requested proof. Upon receiving it, I will respond by certified mail. 

If you are unable to provide what I'm requesting in full I will expect to have the debts REMOVED from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was trying to figure out how these address on my credit that are not mine. 
I live at XXXX XXXX XXXX, XXXX, OH XXXX this is my only address. please delete all others. my employer is XXXX XXXX. Please remove any other employers. 
my DOB is XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH 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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 o 4 a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2023-04-10
Company: EQUIFAX, INC.
State: WA
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: GOLDMAN SACHS BANK USA
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: Was not notified of investigation status or results

Complaint:
I am writing to file a complaint against Goldman Sachs for its lack of response to my dispute regarding errors on my Apple credit card account. On XX/XX/, I sent a letter to Goldman Sachs disputing errors on my credit report, including discrepancies and incorrect information on my account. My letter also requested a correction to my XXXX and XXXX consumer report. 

As the furnisher of the information, Goldman Sachs is responsible for providing accurate information about my account to the credit reporting agencies. However, despite my attempt to bring the inaccuracies to their attention, Goldman Sachs failed to respond to my dispute letter within the 30-day time frame required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Assured Financial LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice of a debt that was supposedly from XXXX from Assured Financial out of XXXX XXXX. 
I called to talk with someone, XXXX, answered the call and became abusive and enraged as it tried to explain to her. 
After calling me names she hung up. 
I tried 3 more times to explain to her, but she hung up each time. 
This was supposed for a knee brace. I have XXXX and two co insurances that paid with notice that nothing else is owing. 
I deeply resent the implication that I am senile and stupid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-10
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-10-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern : I have not only included the letter from XXXX but I am now going to include their faulty system in which XXXX claims they sent on time and in addition sent their billing to me at all. I never received the billing for certain months. 

To add to that as stated I have and will never be able to get in touch with anyone at this institution. They refuse to pick up the phone. I just emailed the CEO and still no answers. 

I don't know how to get protected but I can't continue paying to a company in which they are not willing to fix anything and continue to not tell the truth about a computer system that doesn't work. 

They have not done their full due diligence and it does require a lot of effort and time. They should have the resources.

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 2022-10-31
Company: KEYCORP
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On or around XXXX XX/XX/XXXX Key Bank instructed XXXX to place my student loan accounts into a CO status after Key failed to timely process a forbearance and notify its servicer and midstream collections agent. As a result, Key 's negligence caused disparate streams of information to be sent to both the borrower and co-borrower regarding the status of the loan accounts. These issues were brought to Key 's attention on or around XXXX XXXX XXXX  in CFPB complaint XXXX. I suggsted as resolution, " Rehabilitate the loans and send them back to XXXX for servicing with same interest rate ( s ) and under the terms of the original loan agreement with an N-month forbearance that brings the loan ( s ) current backdated to the time of first deliquency. Release my co-borrower after six ( 6 ) months of on-time payments. '' Key responded to XXXX writing in part " Please be advised that KeyBank complies with the provisions of the Fair Credit Reporting Act ( FCRA ), which prohibits furnishing any information related to a consumer that KeyBank knows or has reasonable cause to believe is inaccurate to a consumer reporting agency. Any negative reporting of the Accounts during the payment extension has already been corrected. Our review identified no errors occurred after the payment extension ended and the Accounts charged off. Thus, for that timeframe we are unable to update or remove the reporting on your consumer reports. '' The applicable portion of law that Key is referring to in their response is 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ). However, what they did not mention was the provisions outlined in 15 U.S. Code 1681s2 ( a ) ( 1 ) ( E ) which outlines rehabilitation of private student loans. Key did not address the issue of loan rehabilitation in their response to XXXX and instead claimed for the requested period they were " unable '' to change any negative annotations in my credit file. The excerpts from the Federal Code are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: ENOVA INTERNATIONAL, 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 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  Date Opened : XX/XX/XXXX Balance : {$8600.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX High Credit : {$180.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX Balance {$13000.00} ; XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; EXPERIAN BUSINESS CRED Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : 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 2023-03-21
Company: LEXISNEXIS
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights .

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: MI
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:
This is XXXX XXXX and this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

FIRST XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance

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 2020-07-31
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : 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 2023-04-10
Company: EQUIFAX, INC.
State: WA
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:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had a vehicle that was financed by Wells Fargo. My vehicle was repoed by Wells Fargo without proper notification and extra fees were added to the bill. I read a notice about the lawsuit against Wells Fargo for this practice. I bought the vehicle, XXXX XXXX XXXX, in XXXX at a dealership in XXXX, Ohio.

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
To Whom It May Concern : I have not only included the letter from XXXX but I am now going to include their faulty system in which XXXX claims they sent on time and in addition sent their billing to me at all. I never received the billing for certain months. 

To add to that as stated I have and will never be able to get in touch with anyone at this institution. They refuse to pick up the phone. I just emailed the CEO and still no answers. 

I don't know how to get protected but I can't continue paying to a company in which they are not willing to fix anything and continue to not tell the truth about a computer system that doesn't work. 

They have not done their full due diligence and it does require a lot of effort and time. They should have the resources.

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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
As a federally protected consumer, Transunion was informed about this fraudulent inquiry in XXXX and I filed a dispute here in XXXX. After being informed by the XXXX, XXXX XXXX that the inquiry was not confirmed to have been made by me, Transunion is still refusing to remove this inaccurate and unauthorized credit inquiry. This is causing harm to my score to continue to report this fraudulent inquiry and is a violation of the fair and accurate credit reporting act. I am attaching the letter from XXXX XXXX confirming.

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 2018-08-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 I submitted to Equifax credit reporting agency an Affidavit of identity theft, a police report and a summary of events detailing how for the past 5 years I have been a victim of identity theft. 

I requested that Equifax investigate fraudulent loans, and bank accounts on my report and demanded that I receive proof/documentation that I personally opened they accounts and loans within 30 day of the letter. I have also requested for the creditors to investigate a provide results back to me and Equifax As of today XX/XX/18 I have not received any documentation from Equifax or the creditor to prove that I am responsible for the accounts, nor has Equifax stop reporting these accounts. 

The reporting of this fraudulent information has been a negative impact on my life and has hindered my ability to obtain credit, get insurance and open a bank account and I have been suffering a hardship ever since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
Company: N.A.R., Inc.
State: NY
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:
There is a debt collection agency entitled NAR Inc appearing on my credit report that is significantly hurting my credit score. This charge showed up as a result of identity theft which has been verified by both the credit agency and NAR. NAR has indicated that I do not owe them any money but have not removed the account from my credit file which is impacting me significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: Capital Management Services, LP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i received a extortion attempt from a company, CAPITAL MANAGEMENT SERVICES LLP, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX, demanding funds from me. This demand alleges they have been ENGAGED, ( whatever that means ) by XXXX XXXXXXXX XXXX to extort funds from me in the amount of {$4900.00}. I am acutely aware that if any alleged original lender, thus sold this debt to a debt collector, they also wrote off this debt on their TAX FILINGS, which relinquishes any and all obligations, i might have had to pay. This now becomes a criminal, extortion attempt for funds, im not obligated to pay, by this illegal enterprise, who surprisingly, no one signed this extortion attempt, taking any liablity, from this criminal enterprise. He who makes the claim, accepts the liability.

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