BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-27
Company: Resurgent Capital Services L.P.
State: FL
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 writing to address the ongoing issue concerning inaccurate information within my credit file, specifically related to accounts associated with your company. This matter is of great concern to me, and despite my previous attempts to rectify it, the situation has not been resolved satisfactorily. I have sent a total of six previous letters to your company, all via certified mail. Please find the attached receipts for the certified mail with the following tracking numbers : XXXX, XXXX, and XXXX. These receipts confirm the delivery of my requests for the removal of inaccurate information from my credit file. I would like to draw your attention to 15 U.S. Code 1681c2, which states that it is a crime to threaten a lawsuit with no intention of pursuing it. Rest assured, my intention is sincere, and I am prepared to take legal action if necessary. Despite my previous efforts, your company has failed to conduct a proper investigation into the inaccuracies on my credit report, as required by the Fair Credit Reporting Act. My previous letters clearly outlined the reasons for my dispute, and these concerns are far from frivolous. This final request serves as a last opportunity for your company to rectify this matter. I expect a thorough investigation into the accounts in question, and I request that you provide me with documented proof of this investigation. Failure to comply will leave me with no choice but to file a civil suit in my county for damages. I take the accuracy of my credit report seriously, and the lack of professionalism and assistance from your company has been deeply disappointing. I am well aware of my rights under the Fair Credit Reporting Act, and I am prepared to pursue them to the fullest extent of the law. I anticipate your prompt response and the resolution of this matter. If I do not receive a satisfactory reply within 30 days, I will have no choice but to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Im a victim of identity theft I see several inquiries on my credit I didnt give permission to be ran, its holding me back now that Im trying get a home after being homeless due to my identity and credit issues holding me back from someone running my name on the ground Inquiries names : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX/caXX/XX/XXXX XXXX XXXX XXXX 2 times XXXX XXXX XXXX 2times XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 4times XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 3 times XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX They are showing up on my trans union XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: MOHELA
State: GA
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:
XX/XX/XXXX, To whom it Concerns, my account number is XXXX. I called Mohela on XX/XX/XXXX and spoke with a manager. She stated that I need to upload my Public Service Forgiveness Form showing my Employment Certification for them to continue to count my payment for forgiveness. I upload the form on XXXX XXXX showing that I have been with my current federal employer since XX/XX/XXXX. She stated that they would start counting my payments immediately after I upload my PSLF. She also stated that they would contact my previous servicer ( XXXX ) to see if I had additional payments that could be applied towards the 120-payment amount needed for loan forgiveness. I called today, XX/XX/XXXX, and spoke with XXXX, and she said that she did not know if the manager had contacted XXXX for additional payment information that was missing from Mohelas records. She transferred me to a manager. I was on hold for over an hour. A manager never picked up and the phone hung up. Each time that I call Mohela, I am left on hold for extended periods of time. Over 2 hours or more. My account shows that 7 Loans ( 2 Direct Consolidated Subsidized Loans totaling {>= $1,000,000} ) and 4 Direct Loans Unsubsidized totaling {$150000.00} ) have 115 Qualifying Eligible Payments and twenty-six that need Employment Certification. My account shows that I have 141 Eligible Payments. These loans should be forgiven immediately because I have previously submitted my Employment Certification to Mohela. Please see the attachments below. I am presently on hold right now to speak with a manager and have been on hold for over an hour. They allow 30 days to count the payments after the PSLF application has been submitted. As of today, they have not started counting my payments. The payment count process should be completed on XX/XX/XXXX. 

I am requesting my student loans mentioned above be forgiven under the PSLF immediately. If you have any questions, please don't hesitate to contact me at XXXX or XXXX, or XXXX. Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: U.S. BANCORP
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
Neither the website, nor verbal dialogue with a US Bank XXXX number representative, clearly stated that the CD would not " roll over '' within the same CD " category '' as originally purchased. The website, and published material, both leads one to believe that the matured CD would renew at the nearest rate of return that is then being offered at the length of time as the original purchased CD ; as stated on it's website : " If you choose to take no action during the XXXX grace period, your CD will auto-renew its current balance and term with an APY ( Annual Percentage Yield ) determined on the maturity date. '' Instead, US Bank deceptively rolls funds into it's lowest rate of return CD in an entirely different category as the one originally purchased, and whose category is buried in the website. I purchased a XXXX  month, XXXX  XXXX CD with a return rate of 4.5 % on XX/XX/XXXX. It matured XX/XX/XXXX, and our funds were then " rolled over '' into a XXXX  month CD, but at a rate of only 0.5 %, and in a CD that is not in the same category as the one we purchased. I called their XXXX number, XXXX XXXX, on XX/XX/XXXX, and spoke to a representative who took down my information and stated that a senior management person would open a complaint file and take further information from me. On XX/XX/XXXX, I called my branch representative, XXXX XXXX, at ( XXXX ) XXXX, and was told I needed to call the XXXX number as she could not assist in my complaint. I again called the XXXX number on XX/XX/XXXX, and repeated my request to file a complaint and launch and investigation. To date no one has gotten back to me.

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 2019-02-06
Company: Experian Information Solutions Inc.
State: SC
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 am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$1500.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my 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 2023-10-10
Company: Experian Information Solutions 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:
I have tried multiple times to dispute this one item with both the creditor and all 3 Credit agencies to have this account removed from my credit report due to several violations according to the consumer laws and my rights as a citizen and nothing has been resolved. This is against the consumer law and it's causing me severe grief and XXXX  as I'm unable to purchase a home for my family and giving me defamation. 

The Creditor ( XXXX XXXX  ) has also violated my consumer law by not giving me the option to opt out from having my information reported to a 3rd party which by " 3rd party '' includes all 3 credit agencies ( XXXX, Experian and XXXX ) and here is the law as it is written. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; XXXX XXXX XXXX - Account # 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 2021-01-10
Company: Harpeth Financial Services, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to XXXX XXXX XXXX about a debt they placed on my credit report XX/XX/XXXX. I had prior communication with this company before they placed this account on my credit report. As stated on the paperwork they obtained or bought this debt on XX/XX/XXXX. They failed to notify me of this debt or did not give me the time to request validation before they placed it on my consumer file. As soon as I gain Knowledge that this account had be placed on my account I contacted this company disputing the validity of this account. Between XX/XX/XXXX and XX/XX/XXXX I sent out a letter asking for them to supply information to validate the debt as I do not recall obtaining this debt. On XX/XX/XXXX well past 30 days ( only after I called ), I received what seems to be a " Plan Disclosure and Account Agreement ''. This document state that it was opened online and has a electronic signature supposedly signed by me. I do not recall opening this account and this electronic signature could have very well been signed by anyone. They information they have sent me does not solidify that this account belongs to me or was even opened by me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-11-04
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I recieved a credit alert for a XXXX account opening and new charge of XXXX to syncb score rewards. Also a inquiry for another card I did not try to open.

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 2023-01-23
Company: Experian Information Solutions Inc.
State: PA
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 disputed this account numerous time there is still no resolution

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 disputed this account numerous time there is still no resolution

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 2023-11-25
Company: Amsher Collection Services, Inc.
State: IN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I stopped paying my XXXX phone bill, due to non usage of the phone. I told XXXX that the phone had suffered damage and that I havent been able to use it correctly. This was back in XXXX of 2023. They wanted me to pay {$270.00} dollars, so I told them to cancel my monthly plan, that I wasnt staying with the company anymore. Well fast forward to today, they are still charging me. I have no desire to pay them, especially if I told them that after 6 years being with them, that I no longer wanted service provided by them anymore. That phone bill is too high, on top of that you are charging me for a service Im NOT using, for a broken phone. The the audacity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wallet was stolen and with that someone ordered a cell phone in my name. I never sign a contract with the company or with sunrise credit services.

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 2021-01-11
Company: EQUIFAX, INC.
State: TN
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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 filed a dispute with XXXX, XXXX, and XXXX  in regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Paycheck is being garnished for a credit card Under XXXX, XXXX XXXX XXXX that was discharged under XXXX XXXX in XX/XX/XXXX. XXXX XXXX online shows dates of payments of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Yet foster and garbus says acct was opened on XX/XX/XXXX, last payment on XX/XX/XXXX and opened on XX/XX/XXXX. 

Last statement from XXXX given to foster and garbus shows a Credit report shows a cancellation of debt amount added to last statement of XX/XX/XXXX.. Which was the bankruptcy discharged old account. 

Credit report shows i had a XXXX acct closed XX/XX/XXXX paid as agreed opened XX/XX/XXXX and another closed XX/XX/XXXX opened XX/XX/XXXX. They are bouncing my account all around to collect a debt that was discharged. 

I have emailed them proof and no response except my paycheck is now being garnished. 

My bankruptcy attorney is trying to help but I'm a single mother just fresh out of a XXXX XXXX marriage ( ended only 1 week ago ) a With XXXX kids. 

I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  Closed Accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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