BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Collection Services is harassing me about an alleged debt that I do not owe. Please be advised that Credit Collection Services has VIOLATED the FDCPA by contacting me WITHOUT my consent. Credit Collection Services must cease-and-desist ALL attempts to collect an alleged debt including communication, direct and indirect. DO NOT CONTACT ME AGAIN unless it is to furnish the forward flow agreement signed and notarized. If not, it constitutes harassment. This communication has been documented and any future attempts will result in seeking damages. See attachment example of harassment and abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Bread Financial Holdings, 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: Information belongs to someone else

Complaint:
On XX/XX/2021 I submitted a dispute in regards to Fraudulent items that have appeared on my XXXX  and XXXX  credit report. XXXX  and XXXX  has been aware of me being a victim of identity theft since XXXX of the same year as I submitted my True Identity Credentials and my Law Enforcement validation of my claim. After doing all of this in respect to the reporting agency 's protocol and the requirements of FCRA 605b. The following are accounts and inquiries in complaint : XXXX XXXX XXXX  XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: OR
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:
ACCT NAME - XXXX ( XXXX BRIDAL ) ACCT NUMBER - XXXX ( AS SHOWN ON EXPERIAN ) XXXX has violated my rights. 

Opened account XX/XX/2019 XXXX XXXX {$1200.00} Acct. Charged Off {$1500.00} Filed a Dispute with Experian regarding the negative/chargeoff reported. XXXX did nothing, and all the info stayed the same. 

15 U.S.C 1681 Section 602 A states I have the right for privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 items of information, other then records of convictions of crimes which antedates the report by more then 7 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 if the person knows or has reasonable cause to believe that the information is inaccurate. 

** XXXX XXXX was were I selected a wedding dress for the upcoming wedding. The dress was ordered. No alterations were needed or done on the dress. The wedding was cancelled. The dress was NEVER picked up. Any accessories purchased earlier were returned/not used. The dress was never even looked at, much less taken. It hadn't been altered either. XXXX XXXX was still trying to charge me for the dress I had selected, but had never picked up. No matter who was talked to, they would not alter what was shown on my credit report. They wrote off my account that was never used, so should have had nothing due on it. The account was never used since then again. My credit has been bad due to this incorrectly reported information.

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 2022-09-16
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/XXXX, I called my loan servicer Edfinancial Services, to request a refund of specific loan payments made during the payment pause/COVID forbearance period since XX/XX/XXXX. I paid my graduate school loans in full earlier this year before Biden announced the Loan Forgiveness Plan, which I would be eligible for up to {$20000.00} in debt relief based on receiving a Pell Grant for college and my income is below the threshold. I requested the refund of specific payments so that {$20000.00} of debt could be reinstated to my Edfinancial account and then I can apply for Forgiveness in early XXXX. 

During my call on XX/XX/XXXX, I was told by the representative that my account balance will be updated to reflect the total of the specific loan payments ( {$20000.00} ) in a few business days and the refund to my account will take up to 150 business days. As of XX/XX/XXXX, my account balance has not been updated like I was told. 

On XX/XX/XXXX, I called my loan service Edfinancial Services again to get more information about updating my account balance to {$20000.00} and to check on my refund status. I was then told conflicting information by a second representative that the refund has to be processed first before the account balance is updated. They could not give me any accurate information on the timeline of when the refund would be processed. 

The first representative from XX/XX/XXXX confirmed that my account balance would update to {$20000.00} in a few business days, which is what I will need to be reflected to be eligible to apply for forgiveness. Again, my current account balance is not updated like I was told. 

All in all, Edfinancial has been sharing conflicting information. They are also not helpful with sharing an accurate timeline of how the process works. All I am requesting is that my account balance on Edfinancial reflects {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX : {$8000.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX  Balance : {$920.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX  Balance : {$3000.00} XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: OH
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 opened my credit report and seen some inaccuracies on my credit file

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 2023-09-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I hope this message finds you well. I am writing to file a formal complaint regarding harassment, discrimination, unauthorized entry, and unfair debt collection practices related to my previous rental at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 

I rented the apartment from XXXX XXXX XXXX XXXX XXXX XXXX  and always paid my bills on time. However, during my stay, I experienced severe harassment and discrimination from the management of the apartment complex. They consistently made me feel unsafe in my own home including me being XXXX and even entered my apartment without my permission or presence, violating my privacy rights. 

Feeling unjustly treated and with the guidance of legal advice, Both parties involved, myself and the XXXX XXXX XXXX, agreed to cut ties amicably, acknowledging that the unsafe environment and harassment had become unbearable. It is important to note that despite no longer residing in the apartment, I continued to fulfill my financial obligations by paying the rent. 

However, recently, I received communications from XXXX XXXX XXXX XXXX, claiming that I owe them {$1400.00}. This debt has been incorrectly reported on my credit report, damaging my creditworthiness. It is crucial that their collection activities are halted immediately, and the negative information associated with this debt is removed from my credit records. I moved had a professional come clean the property as I traveled for work often so it was not dirty at all I kindly request your assistance in thoroughly investigating this matter and taking appropriate action against both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The unfair treatment, privacy violations, and inappropriate debt collection practices I have encountered are not only distressing, but they also violate numerous laws and regulations designed to protect consumers like myself. 

I trust that the Consumer Financial Protection Bureau will take my complaint seriously and act promptly to rectify this situation. I hope for a fair resolution and that appropriate measures are taken to safeguard future tenants from similar experiences.

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 2020-10-04
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I made a payment of {$9600.00} to pay off the full balance of my Citi credit card. I have plenty of money in my Bank Account to cover this. I found out today, XX/XX/XXXX, that Citi has my payment on hold, meaning I can not use my credit card. As this is my only credit card, I am currently unable to make any non-cash purchases. 

I was never notified of the hold at all. In fact, I have a confirmation email from XX/XX/XXXX saying the payment went through and I have a confirmation number. 

Citi is saying that the payment is on hold until XX/XX/XXXX. As I have now used up my credit limit because my payment never went through, I can not use my card. As this is my only card, I can not make any non-cash purchases.

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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
There are shady credit card company by the name of XXXX n my credit report that shouldn't be there there are addresses that I have never resided there but there on my report. There are a list of double inquires from the same company and also there are a long list of old inquiries that do not belong there. They have been added due a breach class action in which I was a part of. This has caused me miss several business deals and loan approvals.

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 2022-08-08
Company: Experian Information Solutions Inc.
State: MO
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:
Experian is reporting fraudulent inquiries to my credit report and not removing them. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Is and fraudulent inquiry XXXX  XXXX XXXX XXXX XX/XX/2021 is and Fraudulent inquiry XXXX XXXX  XX/XX/2021 is a Fraudulent inquiry

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 2023-10-05
Company: EQUIFAX, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: DCI Credit Services, Inc.
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had pain for years and they kept having me do different testing and said it wasn't XXXX XXXX. One Dr I had to go out of town for instantly found them, I had XXXX and they're gone. 
Also my husband left and isn't with me anymore, I need details of which bills are mine or his. 
He's supposed to according to court orders pay his kid 's bills

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
I sent a dispute letter for an account on my credit dated for XXXX, reporting inaccurate information and not following the guidelines this account is showing a past due balance on a collection account it my understanding that anything being reported has to be correct you can not owe on a collection account no one has responded to my request about this matter i would like this account removed 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 2022-10-05
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:
Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2300.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX  XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2020-06-03
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is in regards to the CARES act, student loan deferrment, and how my student loan provider affected my credit score while I was in the process of buying a car. I bought a new car XX/XX/XXXX. I had started looking a week before. I recieved a sub prime rate due to my score dropping 30 points because my student loan provider great lakes made inaccurate comments on my credit report. I have proof that shows the decease in my score as a result of my student loan provider. My credit score was dropped by great lakes XX/XX/XXXX, my credit was run XX/XX/XXXX and the car was purchased XX/XX/XXXX with the orginal score that was pulled XX/XX/XXXX. I also have proof of this from the dealership I purchased the car from to show the score used for my financing. On XX/XX/XXXX I see my credit score go back up to where it was before great lakes reported my loans as deferred. I have tried to contact great lakes and they tell me I should contact the credit bureau agencies as they have fixed the issue. I offered to show them proof of my claims and that was dismissed. I'm already poor and now I'm paying thousands in extra interest because my student loan provider had bad reporting on my credit report for a week. They've admitted they had inaccurate reporting but they will not admit that I was directly affected, please I hope you can help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 noticed some fraudulent inquiries on my credit report that I did not authorize. Please 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 non-monetary relief
Consumer complaint received 2022-09-16
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent in a complaint yesterday to XXXX XXXX XXXX to 1- Cease & Desist communication through ANY medium which any medium is including my consumer report. The company replied but did not rectify the specified remedy that I am asking for. I want XXXX XXXX XXXX to remove this alleged debt from off of my consumer report and compensate me for ruining my reputation which is a direct violation of 15 USC 1692d ( 1 ) and they are civilly held liable to do so. I have asked in a precise manner failure to do so will result in me proceeding with legal matters and compensatory damages this is my second attempt to rectify this situation. The more time I have to spend on this the more hurt it is causing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, 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:
It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. These are the items that need attention : XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XX/XX/2023, XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : {$11000.00}, XXXX XXXX XXXX  ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$220.00}, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/2023, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation