BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: IN
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: IN
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 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 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
The following companies XXXX XXXX XXXX, XXXX/XXXX   were not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports

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 2022-07-05
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXX n cant provide to my XXXX XX/XX/XXXXdaughter PLEASE HELP ME PLEASE imXX/XX/XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: Experian Information Solutions Inc.
State: NC
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 had submitted a letter 4 months ago and again in the past month. Which has been ignored twice by Experian. Twice. There are 4 errors in my credit profile Experian is reporting incorrectly. Experian has refused to properly investigate and, provide proof of these said debts, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX and XXXX XXXX Experian have not provided any information to me about any of these 4 incorrectly reported and unverified accounts. And according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts I have submitted to them twice. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts listed in my letter. They have refused to comply. Attached will be a copy of my original letter I wrote. The copy is before I signed and sealed the letter in the envelope in front of a impartial witness who is a Notary Republic in XXXX County in the state of North Carolina. The signed and notarized copy with a copy of my drivers license, Social Security card and all updated address were sealed and mailed certified and confirmation it was recieved by Experian. This company needs to be held accountable for the negligence of there employees and company practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following companies XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX were not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Received a loan from Amplify Funding on XX/XX/XXXX for {$850.00}. In early XXXX I suffered some financial problems and emailed them about stopping my ACH authorization and modifying my loan. At this point I had paid them back the {$850.00} I borrowed plus an extra {$610.00} in interest. They claim to be a tribal lender although they keep filing under other names. They are not licensed in the state of Florida where I live and received this loan. They are trying to receive another {$1700.00} with an interest of 465 % which is a criminal violation of FL usury laws. They sent me to a collection agency called XXXX XXXX and they called me at my workplace. I explained to XXXX that I will not be paying anymore money to Amplify due to my state laws and that I have already paid them more than is required in my state. Most places will only pay them back the principal that was given but they are already made double their money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Account Control Technology, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX I received an alert from my credit report that Account XXXX XXXX has " Parked '' a debt on my credit. No letter was mailed to me, no call made. Debt parking is illegal. XXXX XXXX was provided a identity theft affidavit along with a police report In XX/XX/2020. The debt was removed back in XXXX of 2020. Now, Account XXXX XXXX will not honor the identity theft documents. I am hoping that you all will fine the collection company for debt parking this debt in my name, as well as fine them for not honoring my dispute that was sent via certified mail to the address of 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 explanation
Consumer complaint received 2021-06-09
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I originally made a modification in XXXX of XXXX to reduce the interest. Interest was reduced to 65 %. Then in XXXX of XXXX I called to settle because the loan is never ending and financially killing me. I paid {$3000.00} to settle and was told the remaining balance which in XX/XX/XXXX was around {$6500.00}. The remaining balance around {$3500.00} was supposed to be 0 % interest to pay off. I have statements showing 0 % and now I'm showing 66 % and a balance of {$4700.00}. They said there was an error in transfer of paperwork that they should of been charging 66 %. This was not what was agreed. I have not missed the payments. I try to pay the debt off but it is never ending. I told them I have a statement showing the 0 % and they tell me that they do not offer 0 %, but the statement clearly shows 0 %. I have attached a picture of the 0 % interest that I told them it was at and now at 66 %. They don't listen to anything I say. I've been trying for 3 days now to settle this. I would of never sent them the {$3000.00} upfront, that I struggled to get because at the time work was slow because of COVID. But I needed to do something to get out of the interest. That is why I settled the loan for 0 %. Other wise why would I go from a modification of the interest at 65 % to a 66 % interest rate? I wouldn't. Please help as I can't do this anymore with the interest and I don't want to file BK on this. So with the {$3000.00} lump sum paid and if I pay there current pay off amount of {$4700.00} that puts me well over the {$6200.00} loan that was initially what they gave me. Not including all the years of payments I had already paid at $ 400+ a month before XX/XX/XXXX. It is a killer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: NJ
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : Balance : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have student loans through Navient, I believe they are federal student loans although I am not positive. It is proving impossible to get any information from the company. When I first started working after college in XXXX / XXXX I reached out to Navient to discuss payment options. They put me in an income repayment plan that was described to me as having a low monthly payment made up of both principal and interest. At the end of each year I notice that my balance has not been reduced. Looking a the monthly payments they are almost exclusivity made up of interest payments, taking nothing off of the principal balance. Whenever I reach out to Navient for information on the plan or to discus the other payment options available to me I get bounced around from person to person. No one can provide me with a clear answer and no one can explain the principal to interest ratio of my payments. They are misleading and unhelpful, you can not even find an account statement online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
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: Personal information incorrect

Complaint:
Please know the information on my credit report is not correct. I've listed information and unauthorized inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.

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 2023-11-16
Company: WELLS FARGO & COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX I was approached by XXXX teenagers while on my walk from work and they asked me if I would donate to their youth basketball team. I said Im sorry I do not have any cash on me. They said if you have XXXX or cash app we can accept that as well. I said okay and pulled up my Wells Fargo app which is connected to XXXX. I pulled up the screen where it says to put who you want to send the money to. They said let me see your phone and we will put in our schools information. I handed them the phone and the XXXX teen was talking to me about his college plans. They handed me the phone to send an amount and all of a sudden I get an email confirmation from Wells Fargo saying I authorized a money transfer using XXXX to someone named XXXX XXXX who Im assuming is the teen who sent the money. I looked up and they were gone. I called Wells Fargo immediately and they filed a claim. XXXX weeks later Wells Fargo said there was nothing they can do.

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 2022-10-20
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit score went down XXXX points within 30 days in XX/XX/2023  due to XXXX reporting that I missed a payment which negatively affected my credit score significantly. This was not true. My original first payment date for XXXX student loan repayment was XX/XX/2023. However at the beginning of XX/XX/2023 I applied for a Extended Standard Repayment plan and XXXX was taking time to process the change of plans and notified me that my NEW first payment date for repayment will be XX/XX/2023 

That is when I was notified on XX/XX/2023 that my credit score dropped XXXX points due to the " missed payment '' on my student loans with XXXX. XXXX INCORRECTLY reported this to the credit bureau and I would like for this to be amended and my score to be fixed.

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 2023-11-16
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
It has been 2 months since I have made a complaint with the cfpb regarding lvnv funding communicating with me and attempting to collect on alleged debts for the following two accounts ; XXXX and XXXX. In that complaint I had stated that they have been violating the Fair Debt Collection Practices Act ( FDCPA ) to which they have completely denied all allegations. Afterwards they stated that they would honor my request to cease all communications. Since then, they have still continued to communicate with me which is a clear violation of the FDCPA and I have proof. Now I am demanding compensation. The FDCPA defines communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium of which they have decided to continue to communicate with me which is a clear violation of 15 U.S. Code 1692c. This company does NOT care about obeying federal laws and I am asking the consumer financial protection bureau ( cfpb ) to enforce federal laws onto this company. Otherwise I will proceed with litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Orion Portfolio Services, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I keep receiving emails from someone named XXXX XXXX, XXXX XXXX and XXXX XXXX. They send email saying that they are with Orion Portfolio Services , LLC and that I have a XXXX account with them. They are also asking me to pay a past due amount which is untrue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Between students loans and other on my credit report it is almost {$6500.00}

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