BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-20
Company: Specialized Management Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I receive calls from numerous numbers daily. I tend to ignore because im either working or are aware of the calls. I have 3 accounts in collections with Specialized Management in XXXX Mississippi. All accounts are medical. XXXX XXXX XXXX XXXX. 
Original Creditor : XXXX XXXX XXXX- XX/XX/XXXX BAL {$850.00} Original Creditor : XXXX XXXX XXXX- XX/XX/XXXX BAL {$1100.00} Original Creditor : XXXX XXXX XXXX- XX/XX/XXXX BAL {$740.00} On XX/XX/XXXX i recieved a call from a company called XXXX XXXX XXXX also known as SMG which would be Specialized management group company. I recieved the call from a out of state number than my area code reflects. I was informed that the job i had applied for months ago on XXXX was now available. I was proceeded to be asked how long had i been at my job because punctuality is very important. Then i was proceeded to verify my current job and where i worked. Once given the information, i was given a number to call back and ext in case i had any questions. Once i took the number i was told that the interview would be held in XXXX MS . Although before that she needed my email and my address. Once i realized that this was far fetch because if i applied you have my address. I disconnected the call. Once disconnected i then XXXX the info given to me and found spoofing apps and no known locations. I declared that this was a creditor. I then called SMG to ask my options becasue this was getting out of hand i was given my options. I was told the minimum that i could pay was {$50.00}. I explained i could not do that and asked could i do 5 or 10 i was informed i could bering it in or mail it in. I received a call hours later from my dad congratulating me on a promotion i had received since my manager called to get his recommendation. There was no promotion the same person that called me then called to verify where i said i worked and to ask my dad to verify my address so they could send me information and not knowing he gave them the information. He proceeded to call the number back once the called dropped and there was no trace. This information was received illegitimately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: MOHELA
State: NY
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:
My loan payment plan was recently converted from REPAYE to SAVE, but the loan servicer ( MOHELA ) incorrectly calculated my payment. The resulting new payment is approximately {$1000.00} more a month than my prior payment and does not accurately reflect my AGI, family size, and my spouse 's loans in repayment. This is demonstrated by the attached results of the loan simulator. All guidance released by the federal government and available on studentaid.gov indicates that no one is required to recertify their income earlier than XXXX months after repayment pause ends, but MOHELA refuses to correct the payment amount unless I recertify now, XXXX months prior to the deadline. I contacted MOHELA on XX/XX/23 and XX/XX/23 and was XXXX  told they could not correct my payment amount without recertification, despite the payment amount being egregiously high due to their error. When I called to request a review and correction of the payment amount, they refused to provide any information regarding how the payment amount was calculated and refused to further escalate my case to a manager. They also have not provided a billing statement, XXXX  days prior to the payment due date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
- FAILURE TO PROVE OWNERSHIP - FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, & XX/XX/XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past few months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

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 2022-04-27
Company: EQUIFAX, INC.
State: NC
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:
The installment with XXXX XXXX  was to be paid off using their 90 Days same as cash option. They refused to accept the payoff. We went to court and the court made them accept the payoff and they agreed to update and correct credit report as positive and paid as agreed. Court was XX/XX/2018 and the 90 day same as cash option was {$900.00}. They agreed to accept the payoff and show a zero balance. 

XXXX XXXX  has yet to update my credit report and continues to report a charge off. I have made several attempts to dispute this, sending in the official court documents showing it was paid in full as agreed and it still reflects negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions 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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$53.00} XXXX )XXXX XXXX ( Date Opened : XXXX XXXX XXXX  Balance : {$4400.00} XXXX XXXX ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX ), XXXX XXXX ( Date Opened : XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX ), XXXX XXXX ( Date Opened :, Balance : {$550.00} XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4900.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 did not Authorize or benefit From the accounts shown on my credit report please delete and restore my credit to reflect XXXX XXXX XXXX thank you if not I would like to see all written agreements for each account and how the process was verified with each outlined account shown backed by law.

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 2023-06-08
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 
15 USC 1681 Section 602 I have the right to privacy.

15 USC 1681 604A Sec 2 : Also state a consumer reporting agency can not furnish an account without my written instructions. 
15 USC Cose 1681a : Rules of construction XXXX-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences the between the consumer and the person making the report. 
15 USC 1666B A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Already made an FTC Complaint ( XXXX ) against Wells Fargo bank for issuing me a Master Card that I did not ask for. Went into a branch and complained that I been issued a card in error/fraud. They told me that they will take care of it. I had put in a credit freeze with XXXX and XXXX. Weeks after Wells Fargo acknowledged that they had taken care of it and canceled my Master card, I receive a communication from Wells Fargo yesterday XXXX saying that they are trying to open another credit card in my name ( that I did not request ) - Application # is XXXX. In this letter Wells Fargo is asking me to 'unfreeze ' my Credit so they can complete processing my credit card application!!! 

Wells Fargo is the XXXX  of the earth. I will not touch them with a 10 foot pole. What do I need to do to make them go away for good?

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 2021-01-09
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Monday XX/XX/2021 I applied for and opened a checking account with Navy Federal Credit Union. I did so under the sponsorship of an existing Navy Federal member, my wife whom I live with. I understand that I meet all of the qualifications for membership. I was granted online access to my account and was able to make an initial deposit of {$100.00}. 

Later that night, upon attempting to access my account via the web I was greeted with a message indicating I was not allowed access and needed to call in. I called on the night of XX/XX/2021 and waited on hold for over 40 minutes before I got to a representative who informed me that she could not provide me any information regarding my account or the reason I am not allowed to access it, and that I must call back when their security department was open ( which were restrictive hours ). I was also told that this department has no direct line and that when I call back during thier open hours I would need to first wait on hold for a representative who could then enter me into the queue to wait for the security department - which the representative remarked was " a long queue ''. 

At no time was any communication sent to me via email or otherwise indicating that I would be restricted from accessing my accounts or needed to contact anyone. The only way I could obtain this information was by attempting to login, then calling and waiting on hold to be informed of the hoops I would need to jump through. 

At the point of my writing this it is XXXX and I have still received no communication from Navy Federal indicating that they have taken any action or that there is any problem with my account. When I call into their support line after I am off work, the representatives are rude, vaguely accuse me of fraud but refuse to provide any details. 

This has been a horrible customer experience and I have XXXX desire to do any banking with Navy Federal. I want my money promptly and I want them investigated for the practices that led to my unfortunate experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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 writing you with great concern. 

XXXX XXXX Account number : XXXX does not belong to me, and it has been proven. The account that made payments for the installment loan is not in my name however my social and personal info was used. 

A late payment was reported in XX/XX/23 and my credit file was alerted which is the reason i noticed this account. I filed a police report and ID theft report and the company : XXXX XXXX XXXX XXXX is not cooperating or willing to help in any way. If this is not taken care of and removed from my credit report I will be contacting a lawyer as this is affecting my score and preventing me from closing on a home. I have great credit and payment history and this is one of the only derogatory items simply because it was done fraudulently. The is not fair and against the law. CFPB please help. 

XXXX XXXX Account number : XXXX FTC Report Number : XXXX Police report number : 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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-06-08
Company: Experian Information Solutions Inc.
State: IL
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

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 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reported XXXX different credit card accounts to XXXX major credit reporting agencies as fraudulent accounts. The statement was made, because I was not the person who is responsible for applying for these accounts. 
I have never applied nor used these accounts for my self benefit. 
My simple request was to remove these false accounts ' information from my credit report and a police report and FTC identity theft report were submitted to all three credit bureaus. 
Even though I made an attempt to make the proper correction on my credit report, the credit reporting agencies are continuing to post these false accounts on my credit report. Also, the creditors who had issued fraudulent accounts on my name have not validated or verified the accounts to be mine. 
I believe that the credit reporting agencies and the creditors are in violation of FCRA and FDCPA for reporting false accounts on my credit report and attempting to collect the debt without proper validation and verification process.

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 2021-01-09
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My personal and financial information was stolen in a 2015 data breach with XX/XX/XXXXXX/XX/XXXX/XX/XX/XXXX XXXX I have none knowledge of the usage of the accounts. I never authorized or authorized anyone else to benefit for the accounts in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: TX
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 am writing to express my deep concern regarding the late open accounts appearing on my credit report. It has come to my attention that these inaccuracies are negatively affecting my credit score and financial standing. I am formally requesting that you investigate and correct these errors as soon as possible.

I have attached copies of relevant documents, such as payment receipts and statements, which confirm that I have made all payments on time for the accounts listed above. The discrepancies in my credit report have caused my credit score to decrease, and I have experienced difficulties in obtaining credit, loans, and other financial services as a result.

I kindly request that you initiate an investigation into these accounts and make the necessary corrections to accurately reflect my payment history. I expect that you will complete this process within the legally required timeframe and inform me of the resolution as soon as possible. 

In accordance with the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the steps taken during your investigation, as well as any changes made to my credit report. I am asking for your assistance to correct the following accounts in three Credit Bureaus : XXXXXXXX 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 2023-07-26
Company: Experian Information Solutions 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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-06-08
Company: Experian Information Solutions Inc.
State: TN
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. The List of accounts has violated my federally protected consumer rights to privacy and confidentially inder 15 USC1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to: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 state a consumer reporting agency can not furnish an account with 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 if information, other thatn records of convictions of crimes which antedates the report by more that seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a concusmer reporting agency if 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
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 and sent the paperwork I filed with the FTC to the credit reporting agencies and submitted disputes. The disputes were not filed correctly and the paperwork was not attached to the disputes. And I have not gotten copies of the verification process

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 2021-01-08
Company: ACIMA CREDIT, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Identify theft in XX/XX/XXXX didnt open this file notice on my credit report in XXXX of XXXX

Company response to consumer: Closed with explanation