BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-20
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : Dept Of Ed/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX XXXXXXXX XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX  Date XXXX XX/XX/XXXX XXXX {$0.00}, and Dept Of Ed/XXXX  Date opened XX/XX/XXXX XXXX {$0.00}. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC1666b. See the documents attached. XXXX  XXXX XXXX Date opened XXXX, XXXX XXXX {$0.00}. Please correct these accounts 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 2023-05-24
Company: ERC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Beginning on XX/XX/2023 the calls began, now I get 2 a day for someone that isn't me, they don't care! I've tried removing my number spoke with 2 reps and informed them that they have the wrong number to no avail, it just doesn't stop

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: AZ
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:
credit bureau reject to investigate and remove hard inquiries, which was posted without my authorization.

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 2018-04-15
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I bought a car from XXXX  XXXX a XXXX XXXX XXXX Im being charged payoff {$15000.00} My payments are {$420.00} per month Principal XXXX month interest {$280.00} Im XXXX years old, XXXX   issues and I take XXXX XXXX I was scammed and I need help from this horrible loan. 
I have a XXXX grade education ... widowed.live on social security Can you help me or guide me to fairness..and honesty Is it still out there? XXXX XXXX The company is Santander U.SA Out of XXXX Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked XXXX, TransUnion, and XXXX to investigate the late pay and accounts that do not belong to me. According to them, they said the creditors verified the accounts and accuracy. I sent them all letters stating that the law gives me the option to request a Method of Verification and for it not to be e-Oscar or another electronic method. This will ensure the most accuracy for my credit profile. XXXX said they do not have to honor request and will not provide their method of verification. TransUnion and XXXX said they didn't know if they could do that. I feel they are not reporting accurate information about me. In addition, TransUnion and XXXX will not allow me to view my credit report online from their webpage or from annual report. com This is very concerning to me because it appears to me these credit reporting agencies are hiding and preventing me from seeing information about me, which is preventing me from getting these errors corrected and/or removed. They failed to honor my legal request. 

What is even more perplexing is they all shared with me the debtor does not have to provide evidence the debt belongs to me, they merely accept their verification. I personally wrote a debt collectors asking for evidence and I have not heard from them regarding my request, which makes me questions what and how are they verifying this debt if they will not communication with me about a debt they claim is mine. If the debtor is unable or unwilling to provide me evidence that proves the debt, what and how are they providing to the credit agencies?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: PENTAGON FEDERAL CREDIT UNION
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 was looking for auto loan refinance options and applied to some companies like XXXX XXXX XXXX XXXX, etc. These are companies that act as a link between consumer and Lender or Credit unions who offer loan amount. 

After few days of applying, I see there are hard inquiries on my Credit Report from these lenders on XXXX XX/XX/2023 : XXXX. ) Pentagon FCU XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX  These hard inquiries were done on my credit WITHOUT MY CONSENT. 

When I contacted one of them, they replied that I need to register a complaint with Federal Trade Commission website, ftc.gov. They will evaluate me after I do 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 explanation
Consumer complaint received 2021-06-23
Company: FIDELITY CAPITAL HOLDINGS, INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 I was referred to provider XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX for XXXX by XXXX XXXXXXXX XXXX XXXX through the law firm XXXX XXXX XXXX XXXX due to a third party liability, at fault, rear end collision. I was invoiced by XXXX  XXXX XX/XX/2020. I am a XXXX XXXX by profession and had left the XXXX XXXX area and had took a job in XXXX, XXXX. I received the XXXX  XXXX invoice there from my taxable home in XXXX On numerous occasions I had tried to contact the billing department and was unable to speak with anyone. I assumed that the pandemic had created this communication difficulty and the XXXX ( XXXX XXXX XXXX XXXX ) was willing to pay the invoice, all they needed was for the firm to submit the bill on a XXXX XXXX XXXX XXXX XXXX Due to the inability to reach XXXX XXXX billing department to discuss this arraignment, the billing department at XXXX XXXX, sent the invoice into collections to Fidelity Creditor Service XXXX XXXX XXXX XXXX, CA XXXX on XX/XX/2020. I tried to explain the situation to the collection agency and they did not seem interested in helping XXXX  XXXX to get paid. Now I am dealing with a negative collection mark on my credit report and am at my wits end. I've put the collections in dispute to XXXX XXXX, but am unable to get help from them. The bill is {$600.00} now plus {$50.00} for collections and rising.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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

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 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX, and transunion did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how XXXX violated my rights.

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 2022-01-14
Company: Navient Solutions, LLC.
State: AL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. It is sad that these companies can flat out violate the federal law like this. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I will be filing with the federal courts about the continuous back and forth with the credit reporting agencies and companies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify not one thing. It has been almost a full year of attempting to get them to correct my credit file. I am no longer waiting and will be taking this to the next level. The Navient account is not mine and needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: BARCLAYS BANK DELAWARE
State: CA
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:
A credit card was opened in my name without my consent. I never received a bill from this company and once I realized what happened I immediately closed it. I have reached out to the company for a letter to take the error off of my credit report and they refuse even though I told them it was fraud.

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 2023-05-24
Company: Conduent Incorporated
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I made a transfer of available funds from the card to my personal bank account and after 6 days my funds still hasn't showed up. There is no one to contact for this card no live rep as stated in their paperwork. There is only a automated system. I can't reach a live person to question what happened to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: EQUIFAX, 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX We started a short sale with ShellPoint on XX/XX/30. We have faxed them multiple items since then, including an offer, HUD, Authorization, Financial Statement,  etc and many other items needed for a short sale. We have contacted them multiple times for an update on the status of the short sale. Finally, today, we were given a generic list of items needed for a short sale. The rep didnt even bother to look at the file or check to see which documents they have received. XXXX**WHAT HAPPENED TO THE DOCUMENTS WE HAVE BEEN FAXING THEM FOR THE LAST MONTH??????????? I attached the package here since filing a CFPB Complaint seems to be the only way they will acknowledge the documents we have submitted. 

-- -- -- Considering it has taken weeks to get a response out of ShellPoint it is obvious they are purposely delaying this process, or they are just SO IMCOMPETENT THEY NEED TO BE SHUT DOWN. -- -- -- -- Originally they contacted someone that WAS NOT AUTHORIZED and spoke with them regarding moving forward on the short sale *****THIS IS HIGHLY ILLEGAL AND A VIOLATION OF THEIR CLIENTS PRIVACY AND THEIR SERVICING OBLIGATIONS. ****** This extreme incompetency with ShellPoint has been going on for years. We have to file a complaint on EVERY SINGLE SHORT SALE WE DO WITH SHELLPOINT USUALLY MULTIPLE TIMES!!!!!!!! 

When is this going to stop?? We are headed towards another downturn and ShellPoint is UNIQUELY UNQUALIFIED to survive in this coming downturn. Every phone call with them turns into a charade of inability to forward to the appropriate person, no one is able to answer our questions, there are no notes in the file and getting disconnected because they do not have the appropriate resources for their staff. It was clear from their first items we faxed to them that this was going to be a short sale yet NOTHING HAS BEEN DONE AND NO ONE WILL ANSWER ANY QUESTIONS ON THIS AND THIS HAS BEEN GOING ON FOR A MONTH!!!!!! This is UNACCEPTABLE AND NEEDS TO STOP IMMEDIATELY. 


I want the documents we have submitted to be reviewed, an accurate list of items needed for the short sale, and the short sale to be moved forward appropriately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My payment history with XXXX XXXX XXXX Acc # XXXX ( XXXX ), Acc # XXXX ( XXXX ), Acc # XXXX ( transunion ), shows as late payment for XX/XX/2023. This is incorrect. I called XXXX XXXX XXXX, and they informed me that they did not report a late payment nor was I ever charged a late payment fee. The credit agencies have not rectified this information and they have not provided me with the investigation results.

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 2020-10-21
Company: U.S. BANCORP
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hello XXXX has another bank they go through and the bank has been taking money for my account without my authorization

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 2020-10-21
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:
I disputed an inaccurate account on my credit report that was due to identity theft. XXXX   and XXXX  both removed the account but Experian did not. 

I submitted multiple disputes and included proof of deletion from the other two bureaus but still Experian did nothing. 

This issue is holding me back from purchasing a home, and I have submitted over 10 disputes and not nowhere.

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 2020-09-18
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
In XXXX, my husband and I took out loans for school in Pennsylvania. After many deferments and transfers from one service provider to another we ended up with PHEAA/AES as our service provider. Since then, we have filed bankruptcy two times and the student loans are still owed. However there are many problems with this. They show the  disbursement date is XXXX. That is a mistake. We relocated to Virginia in XXXX. The disbursement date wouldve been XXXX or XXXX. Since the government has placed into law that student loan payments and interest would be on hold until the end of XXXX, AES started sending letters that we were past due in XXXX. I dont understand how this is possible if this is a federal student loan. Now the government states we dont have to pay loans until XXXX XXXX AES is still attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: AmeriCollect
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have told this company to not contact me. I dispute the alleged debt they are attempting to collect. The debt is not mine. 

Pursuant to 18 US Code 8, I owe no debt. This company is violating my my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

Finally, as per 15 USC 1692c s 805, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, 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:
I HAVE CONTACTED YOUR COMPANY TO GET THIS RESOLVED AND RECEIVED NO SOLUTION. 

UNDER 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX, never gave any written consent to report anything on my consumer report. NO CONSENT IS IDENTITY THEFT. 

Concerning the following accounts below as a consumer, I'm demanding them to be DELETED from this account. 


XXXX  {$89.00} # XXXX XXXX XXXX XXXX {$710.00} # XXXX XXXX {$520.00} # XXXX XXXX XXXX XXXX {$1600.00} # XXXX XXXX XXXX XXXX {$700.00} # XXXX

Company response to consumer: Closed with explanation