BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: MN
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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

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 2023-05-12
Company: EQUIFAX, INC.
State: GA
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 writing to dispute the presence of a charge off account, closed account, and late payment on my credit reports with XXXX and Equifax. The accounts in question are XXXX XXXXXXXX account number XXXX ( XXXX ), Capital XXXX account number XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX account number XXXX XXXX and account number XXXX. I believe that these accounts are inaccurately reported, with unfinished numbers, and are in violation of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681. 
I received my investigation back and you stated you completed a fair investigation, and these accounts are 100 % accurate. 
But can you please answer this one question. How did you investigate these accounts?

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you supposed investigative my consumer report Did you interview my neighbors? 
Did you interview my friends? 
How and Who did you talk to? 
One more thing, can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same information.

I am concerned that these inaccuracies are negatively impacting my good name, character, and ability to qualify for new credit. I have reason to believe that the furnish source of this information is unreliable and not following FCRA laws and 15 USC 1681.

Under the FCRA and 15 USC 1681, credit reporting agencies are required to investigate any dispute that a consumer submits regarding inaccurate or incomplete information in their credit report, and to correct or delete any inaccurate or unverifiable information within 30 days of receiving the dispute. 

Therefore, I am requesting that you investigate this matter thoroughly and delete the inaccurate and unverified information regarding these accounts from my credit reports as soon as possible. 

Thank you for your prompt attention to this matter. Please let me know if you require any additional information or documentation to facilitate the dispute resolution process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-11
Company: CONTRACT CALLERS 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:
In XXXX of 2018, I submitted a Fraud Packet to XXXX XXXX for ( 2 ) Fraudulent accounts that had been opened in my name, using my SSN # a year apart. I submitted a police report, tried reaching out to the Creditor ( Contract Callers ), who was very rude. I've also worked with XXXX XXXX XXXX who completed my fraud package for both fraudulent accounts. Two years later, there is STILL a mark on my credit report from this creditor saying : " Comment : Account previously in dispute - investigation complete, reported by data furnisher. Account paid in full for less than full balance '' This was NEVER my account and opened fraudulently using my SSN #. The historical data from the dispute on XXXX  shows that XXXX XXXX is the original creditor. Each time I submit a new dispute, I get the same answer. PLEASE help me get this account removed from all ( 3 ) credit reports! I have all documentation to support this ; including bank statements with my correct address at the time of the fraudulent account activity. Both times.

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 2023-03-23
Company: Affirm Holdings, Inc
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I went through Affirm online to get the down payment for a rental coming up in XX/XX/2023. This was a planned trip for my fathers XXXX birthday to California and visit my sister. 
Unfortunately my son had to get an unplanned medical procedure did around XX/XX/2023 therefore the trip had to get canceled. 
I reached out to the vendor XXXX XXXX where I initiated the rental from. XXXX rentals would not refund nor cancel the rental since I was not able to go. XXXX told me via email that they will give me a store credit for future rental.I told them that was not acceptable and I wanted the loan that was through Affirm canceled and this entire situation to get resolved, but XXXX kept telling me that they would not refund my money which is not right or fair since I couldnt go on the trip. I filed several complaints with Affirm with regards to their vendor XXXX XXXX, but Affirm only wanted their money due on the loan and kept calling me during the disputes every single day about a past due payment. I know that this has not been resolved and the vendor and Affirm should have worked this out by canceling the loan contract because I never did take the rental. I received a phone call from XXXX a weeks prior wanting to confirm my reservation. I told them I am not going and this shouldve been canceled by the vendor. However it has not been canceled nor any money returned back to Affirm, so they can close out the loan. XXXX XXXX is refusing to give me my money back and Affirm thinks I still owe them a loan which is not right. I have gone on for several months trying to get both Affirm And XXXX XXXX to see that I do not deserve to have my credit ruined or owe money on the loan. Per Affirm they will cancel the loan if XXXX XXXX would send them the cancellation but XXXX will not do it. I canceled the reservation over the phone with XXXX. I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Chase bank card was paid in full and closed in XX/XX/2023. I never charged anything with this card for a long time because they charged 30 % interest and A yearly fee. I shopped around and found XXXX at 0 % for 2 years and transferred the amount from Chase to XXXX. Chase is still trying to tell me I owe them money but I do not owe them anything. After 60 days, Chase sent me XXXX bill saying I owe them {$150.00} so I called them and told them I owe them nothing for their card was paid in full and closed. My account with Chase # XXXX. And their customer service is horrible with all XXXX  people that should learn XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Radius Global Solutions LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a XXXX internet account for my rental XXXX XXXX  property and closed the account during XXXX. After a few months, I received a credit alert from my credit monitoring company that a new account had been added by the collection company ( Radius Global solution LLC ) for the XXXX bill of {$130.00}. I did not receive any notification from XXXX or Radius Global directly to pay for this amount ; instead, I was shocked to see the collection amount in my credit report. I reached out to XXXX, asked them about this, and informed them that I did not receive any notification from the collection company regarding the pending payment. XXXX asked me to pay the amount, and they said they would remove it from the credit reporting. I paid the amount as well ; however, my credit report still shows the bill as collection, which is badly impacting my credit score. I reached out to both XXXX and Radius Global Solutions, and they acknowledged that the amount is paid ; however, they are not requesting the credit companies to remove the account from my credit report. Currently, my family is moving to XXXX XXXX ; we are buying a new home. Unfortunately, I am not approved for the mortgage loan due to the lower credit score caused by the collection. I have been penalized for no mistake from my end. 

As you can see from my credit report, I have never missed a single payment in my life so far, having an excellent track report and being a responsible US citizen. I need help here to support my family by buying a home. Thanks for considering my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2023-11-13
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-08-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been using Experian Credit monitoring service for over 4 years, paying a monthly fee of {$29.00}. According to the service, my scores are updated monthly by all XXXX bureaus. In addition I receive alerts and credit offers. 

Today, I sought assistance for a consolidation loan. The lender checked my XXXX report while I was on the line. The number he saw was XXXX points lower then what my Experian service reports my XXXX number to be. In fact, when I updated my scores on Experian today, my XXXX score went up!!! I then logged into XXXX directly and again found a XXXX point discrepancy ... ..on the same day!! 

How is this possible?? I am not in a good financial situation, yet, Experian would have me to believe that all is well!!! When I called Experian, they told me something about using different scales and scoring systems, but it still doesn't make any sense. 

If I'm paying them, I want to have accuracy ... .not a lie just so they can keep promoting more products. It's supposed to be helping me stay on track, not painting a false picture.

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 2022-01-15
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I hold XXXX private loans with Sallie Mae taken out during the XXXX timeframe for my attendance and then graduation from the University of XXXX XXXX At the time the University did not accept any other lenders and sent me and my mom into this direction. Post graduation I had a hard time finding employment to pay my monthly loan balance of >1k and Sallie Mae did not work with me to find a payment plan that suited my financial situation and recommended forbearing. My original loan request for all XXXX loans was {$76000.00} and has since doubled to {$150000.00}. I'm looking for insight to see if my loans are included in the recent settlement as I feel these are subprime loans with variable interest rates and Navient hasn't done anything to help. I've also requested several times to remove my cosigner and was told this couldn't be done. 

XXXX XXXX {$16000.00} XXXX XXXX {$18000.00} XXXX XXXX = {$20000.00} XXXX XXXX {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
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:
Notice for Proof of Claim Account : XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX  # XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX # XXXX. To Whom it may Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law.Where there is no fair valuable consideration given, the contract or agreement is void abinto. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart , 13 Id 646. Once the Creditorwrites off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

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 2023-11-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2022-05-20
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed without any reason a few weeks ago. 
Until now the bank has not been sent the check with my money on that account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Monday XX/XX/2020 and XX/XX/XXXX and XXXX I have sent letters to the 3 credit reporting agencys informing them that information is reporting incorrect. Each time I tell them that the information is reporting inaccurate, they turn around and state that they where able to verify the account belongs to me. Im not challenging wheather or not the account belongs to me, Im challenging the inaccurate information they are reportinng which is againts the Fair Credit Reporting Act. 

XXXX  XXXX XXXX has never been late XXXX XXXX contains several inaccuracies. 
XXXX  XXXX XXXX XXXX also contains several inaccuracies.

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 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THESE ACCOUNTS ARE STILL REPORTING INACCURATELY ON MY CONSUMER REPORT WHICH IS A FCRA VIOLATION. PLEASE CONDUCT PROPER INVESTIGATION AND REMOVE THESE INACCURATE ALLEGED ACCOUNTS IMMEDIATELY. THANK YOU I HAVE ALSO SENT IN PROOF TO SUPPORT MY CLAIM AND HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a victim of identity theft please remove this fraud inquiry from my credit report.

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 2022-01-22
Company: U.S. BANCORP
State: AL
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:
Hi I am coming to you to talk about an account listed under my name and social that I noticed is not mine. I have sent several letters to the company and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted via certified mail US BANK XXXX, XXXX, and XXXX XXXX different times. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company.

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