BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-21
Company: Experian Information Solutions Inc.
State: CA
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:
After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$380.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.

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 2018-02-28
Company: Navient Solutions, LLC.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan. The Alaska Commission on Postsecondary Education sent me a letter verifying the debt had been paid. The Education Loan I am referring to is in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XX/XX/XXXX maybe early XX/XX/XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, PA XXXX Disputed Sums, Navient XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX. XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission.

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 2020-05-19
Company: Credit Control, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've been harassed from XXXX XXXX XXXX with the same debt before that I don't owe, ever in my life have had business with XXXX XXXX XXXX, XXXX. Now I got another letter from Credit Control , LLC dba Credit Control & Solutions, LLC for the same debt {$570.00}, which is on someone else with the same name but different address. I requested to XXXX XXXX investigate the social security number that person used to get that credit card at the time, and if that information matches with my number then I am a victim of identity theft. Because I can guarantee you that I don't owe that money. 
You can see the documents attached the address does not match with mine, i never have lived in that address.

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 2022-04-07
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:
somebody stole my identity while I was sick, And is ruining my credit by making outrageous purchases. I have no knowledge of what and who this could be.

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 2023-01-01
Company: EQUIFAX, INC.
State: CA
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  US DEPARTMENT OF EDU XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have a credit freeze with all three bureaus due to being affected by the XXXX debacle.  I have been trying to login to the Experian but I am unable to do so.  XXXX and XXXX were easy to deal with.  I tried to reset my password, but it sent the reset to a completely different email address - one that I have never used.  I repeatedly tried to contact Experian, but they obviously are actively preventing individuals from speaking to a live human being.   Every number I try sends me to the same place - nowhere.  I am in the process of trying to buy a house and I don't want anyone damaging my credit score or affecting my credit.  I need someone to help me get the password reset email corrected 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 2017-08-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have called and been hung up on after being tossed around to different departments for an hour. I have sent two registered mails and emailed the company. Registered Mails : 1. to XXXX XXXX XXXX XXXX OH XXXX FIFTH THIRD BANK USPS Tracking Number : XXXX with Signature Confirmation 2. to local branch. Fifth Third Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Sent via XXXX tracking number : XXXX Both letters instruct to close the account. I do not want to go the branch. I opened the account over the phone and not in person and expect the same to close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
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: Account status incorrect

Complaint:
XX/XX/XXXX I was diagnosed with XXXX  for the XXXX time, I contacted the company the moment i recovered. Submitted payment of XX/XX/XXXX but posted on XX/XX/XXXX due to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX fraudly charged my checking account without approval. I do not have any relationship with Barclays. The money was transferred without my approval and authorization. The fraudly charges range from XX/XX/XXXX to XX/XX/XXXX with a total amount of {$30000.00}. 

I called several times to claim this issue. The operator and supervisor could not solve the problem. The supervisor decided to hang up the phone directly.

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 2022-12-29
Company: Westcreek Financial
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX lease reported XX/XX/2022 of which I have no knowledge ... ..personal information has been compromised in the past,,, recurrent/ongoing ID theft previously reported to FTC & XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: POPULAR BANK
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
My account was close by error and a Satisfaction of Mortgage done - I did not ask to close the account and is not reinstated causing a financial hardship

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 2020-02-24
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this trade mark being reported to all major credit reporting agencies. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: Thaxton Investment Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I had a change in income coming into the house and have been struggling just to pay rent and utilities so fell behind on some things and this one particular loan company had told a reference that if I did not contact them today that they would send a warrant for my arrest which is embarrassing and illegal and they should not be discussing my financial problems with someone else or threatening to have someone arrested due to non payment

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Experian Information Solutions 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:
I recently got my credit pulled because I am trying to buy a house however, I was told that there were a total of five accounts in negative standing appearing on my credit and due to these accounts I would not qualify for the home loan. The accounts are from XXXX  XXXX XXXX XXXX XXXX. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I have no idea who is responsible for these accounts but I have already filed a police report. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I contribute to any payments made towards any of these accounts. I do not have any type of contract or agreement with these companies and I have never given them permission to run or access my credit file/personal 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 2018-02-28
Company: Freedom Mortgage Company
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: Account information incorrect

Complaint:
In XX/XX/XXXX I obtained a mortgage from XXXX XXXX. I wanted to make extra payments so XXXX referred me to XXXX so that an additional payment to the principle would be made each year. XXXX notified XXXX anytime there was a change in the amount ( e.g., the escrow went up or down ) so XXXX could adjust the amount automatically deducted from my account. In XXXX my mortgage was sold to Freedom Mortgage ( XXXX XXXX XXXX, XXXX, TX XXXX ). The escrow was adjusted in XX/XX/XXXX ( the mortgage went from {$1800.00} to {$1900.00} ) ;  XXXX was not notified so they deducted the usual amount which was sent timely to Freedom. However, Freedom did not apply those monies to my mortgage. I was contacted and immediately paid the additional monies as well as additional charges. Freedom filed a negative credit report against me ( and I have always had an excellent credit report ) saying I owed them {$1900.00}, when in reality it was just {$17.00}. I filed a dispute claim with them and with XXXX, but Freedom has refused to remove the negative credit report and XXXX has not changed my report. Freedom Mortgage 's negative credit report is fraudulent since there was only {$17.00} owed not {$1900.00}. I would like this negative credit report to be removed from 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 2019-02-21
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
AMERICAN EXPRESS CALLS MY HOME EVERYDAY AND NIGHT AND WEEKENDS DAILY ABOUT MY DAUGHTER DEBT THAT WAS IS IN BANKRUPTCY SINCE SHE FILED XX/XX/XXXX THEY GOT ORDER FROM HER LAWYER AND JUDGE NOT TO CONTACT US BY PHONE OR CALLS WHICH THEY DONT CARE THEY CALL MY HUSBAND CELL MY CELL MY HOME AND ETC AS I SAID IM SENIOR XXXX MY HUBBY XXXX AND WE DIDNOT MAKE THOSE CHARGES MY DAUGHTER DID WHICH SHE TOLD HER LAWYER THIS WE ARE LISTED AS CO DEBTORS BECAUSE WE HAVE HAD AMERICAN EPRESS PLATINUM CARD SINCEXX/XX/XXXX SHE HAD EVERYDAY CARD WHICH WAS IN HER NAME AND SS CLEARLER SHE MADE CHARGES AND PAID UNTIL SHE WAS UNABLE DUE BANKRUPTCY AMERICANEXPRESS IS GETTING OUT PAYMENT ON TIME EVERY MONTH AND MORE THAN WHAT IS DUE HOWEVER THEY ARE PITTING ME AGAINST MY HUSBAND BY TELLING HIM THEY WILL HAVE ME ARRESTED FOR ADDING MY DAUGHTER WHICH THEY HAD NO PROBLEM ALLOWING HER TO CHARGE AND MAKE PAYMENTS UNTIL THEY GOT HER COURT ORDER AND THE CALLS ARE NONE STOP DAILY SINCE XX/XX/XXXX I HAVE XXXX BAL ON MY ACCOUNT AND MY HUSBAND OWES BUT MAKES LARGE PAYMENTS SUCH AS XXXX FOR A XXXX PAYMENT BUT THEY STILL HARREST ME ON A DAILY BASICS MY DAUGHTER ACCOUNT IS UNDER HER NAME XXXX XXXX THEY CLEARLY SEE HER SS NAME AND CHARGES NOT BY ME OR MY HUSBAND HOWEVER THEY ARE TRYING TO SAY ITS MY HUSBAND RESPONSIBILITY I HAVE TO TAKE MORE MEDS THAN IM ON DEALING WITH ALL THIS CLEARLY THEY GOT HER BILL WRITTEN OFF AND NOW WANTS MY HUSBAND TO PAY NO WAY WE PAY OUR BILL FOR SURE BUT AS FAR AS MY DAUGHTERS NO SHE IS AN ADULT OF XXXX AND SHE TOOK CARE OF HER BILL BEST WAY SHE COULD PLEASE CAN YOU ALL HELP US GET THIS RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
On XX/XX/XXXX Santander Consumer USA settled a multi-state law suit in regards to lending practices for car loans provided to consumers between the years of XXXX to XXXX. This settlement affected XXXX states including Georgia. Part of that agreement provided relief for consumer who received loans during that period and Santander Consumer USA and its associated companies Chrysler Capital and XXXX XXXX agreed to the following conditions : Santander will pay {$65.00} XXXX to the XXXX participating states for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX, Santander is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} XXXX in loan forgiveness, and Santander will also pay up to {$2.00} XXXX for the settlement administrator who will administer restitution claims, and pay an additional {$5.00} XXXX to the states. The settlement also includes significant consumer relief by way of loan forgiveness. In all, Santander has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by Santander, and additional deficiency waivers of loans that Santander no longer owns but is required to attempt to buy back. My home state of Georgia is apart of this settlement and I was notified about the settlement by the Attorney General of my state. I was informed to contact Santander Consumer USA. in regards to the settlement. After contact Santander, XXXX XXXX, and Chrysler Capital they informed me to that they were not aware of a settlement and if I had a problem it needs to be disputed through the credit bureaus. I filed a dispute with all three bureaus and instead of investigation the issues Santander and its other companies added additional negative remarks to my accounts which impacted my credit scores which was opposite of what the law suit stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Navient Solutions, LLC.
State: AK
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Disputed Sums, Navient XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX    XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission.

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: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did notapply for these accounts. please see attached ftc report

Company response to consumer: Closed with explanation