BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-24
Company: CAINE & WEINER COMPANY, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company never sent me my right to dispute and never sent me a single written communication until after I filed a complaint against them. Even after they sent that letter supposedly verifing a debt that I do not believe I owe, still no right to dispute, and they committed libel against my person by putting a collection mark on my credit without even talking to me. The law states that they must send me written communication 5 days after initial communication, I guess they figure that they could try and get around the law by never trying to contact me. Now they claim they did try to send me a letter before the one I got, so I sent them a certified letter with return receipt telling them that unless they can provide me proof of this, they will remove their info from my credit report or I will take legal action. The usps confirms this letter reached them on XXXX XXXX XXXX   2017, it was signed for but since they refused to date the return receipt, I can only assume this was read on the same day. The 30 day mark has been reached and since they no longer have enough time to remove the info from my credit, either provide me proof that a letter was received by me or I turn everything over to my lawyer who will be in contact about your violation under the FDCPA. If this complaint is not responded to, I will let my lawyer know this also. I have exhausted every attempt to try and solve this issue in a fair manner and both XXXX and XXXX have refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I SENT XXXX LETTERS TO XXXX, EQUIFAX AND XXXX. THEY HAVE NOT RESPONED TO REMOVE ANY OF THE ADDRESSES. IT HAS BEEN OVER 60 DAYS AND I NEED THEM TO REMOVE THE INFORMATION ASAP INSTEAD OF SENDING ME A CREDIT REPORT OR I WILL GET MY LAWYER INVOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Naviet aka predatory leading got my account that was originally with XXXX. I tried countless times to lower my payment. XXXX XXXX XXXX XXXX is closed and no longer in existence. Navient took my 2015 tax return of {$3300.00}. My loan amount was {$5000.00} it went up to {$10000.00} dollars in less than 5 years. This company is praying on peoples wallets this can not be legal. I seriously need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: Conn's, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Back in I believe between XX/XX/XXXX or XX/XX/XXXX- XX/XX/XXXX I can not recall the actual date of the payoff but the payoff was made in two payments. When we called Conns and spoke with a Conns Team member she researched and found that the payments at one time where being applied to my husbands account. They told me and my husband that they were going to research and find the payments and get back to us and they never got back with us. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: EQUIFAX, 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:
I have no medical bills with this company. This clearly belongs to someone else. Both my birthday, and SSN have been erroneously reported via XXXX, Equifax and  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient Solutions , LLC . has contacted several of my family members about my student loan debt. They have contacted people that I do not speak with just because they have the same last name as me. I spoke with Navient and informed them that I lost my job and was denied unemployment and as a result would not be able to make my payments. As a result of this, I was asked if by one of their representatives if " a family member would lend me money to pay it? '' My family has nothing to do with my loans as they are not cosigners, and were not listed as references on my application. The Fair Debt Collection Practices Act states that " A debt collector is not allowed to contact a third-party more than once unless requested to do so by the third party ''. My family has received multiple calls from Navient and never requested to be called again. If this continues, I will tell them to pursue a claim against Navient for abuse or harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am continuously having an issue with Equifax putting a freeze on my credit report, which is interfering with the mortgage company from retrieving my credit report and score. I am in the process of buying a home and this is the only credit bureau that freezes my credit report and score. I have verified that the mortgage company is putting my information in correctly. I have also called equifax to verify and resolve the issue but equifax is not removing the credit freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a debt collection letter in the mail from XXXX XXXX stating that I owe a debt of {$280.00}. The original creditor is XXXX. The account number is : XXXX. This debt does not belong to me! I am not responsible for payment for this debt, as I am a victim of identity theft and never ordered anything from this creditor. I am disputing this alleged debt. Where I live, there are about 16 apartments that have the same apartment number on it like I do of XXXX XXXX XXXXXXXX.There are different building numbers with the same apartment numbers on it. Like I mentioned before, I an not responsible for payment of this debt. I did not order anything from XXXX or XXXX XXXX. I have attached my police report I have filed and my FTC report stating that I am a victim of identity theft. I would like for XXXX XXXX to cease and desist collection efforts because this debt is not mine!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Merchants Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I hired a law firm named XXXX XXXX XXXX to help me take care of it and unfortunately they did not do anything for me I spent a XXXX dollars a month for 5 months and nothing was resolved along with they do not have a signed physical copy of the agreement made by me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I opened a Toys R Us charge account XX/XX/XXXX and paid the account in full in XX/XX/XXXX. However, I was informed this account was delinquent so I began investigating it and found Synchrony Bank omitted several payments and continued to add bogus late fees and penalties without ever sending me any notices. You can readily see the credit limit was {$200.00} but the balance rapidly escalated to over {$400.00} which is impossible. 

Synchrony Bank has a widely known reputation of omitting payments and " fee stacking '' where they add late fees and penalties. 

This negative account has been falsely reported to credit reporting 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 2020-09-22
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Diversified Adjustment Services Inc. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Date : XX/XX/2020 Re : Social Security Number : To Whom It May Concern, This letter is regarding account XXXX, which you claim This is my account and its placed on collections. This is formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence and bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that you could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b )  Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Experian Information Solutions Inc.
State: TX
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:
My credit score on XX/XX/2021 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit reports to cause this action. 
I have asked the credit bureaus to restore my credit score back to XXXX. 
This is yet to be done.

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 2019-06-25
Company: TRANSUNION INTERMEDIATE 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:
In all the years that I've been doing business with companies, I never perceived of, nor am I interested on purchasing services from them, take this off XXXX - ( ORIG CREDITOR : 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 2019-01-25
Company: JPMORGAN CHASE & CO.
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:
I am a victim of identity theft. An identity thief used my personal information without my permission to open accounts and make purchases with Chase credit card. This debt is not mine. I did not authorized anyone use my personal identification information opening fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08
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 information incorrect

Complaint:
On or about mid XXXX I contacted XXXX who handles XXXX of my XXXX XXXX. 
I told them that I was being impacted by Covid 19 and asked if I could make a lesser payment than what was due. 
They said yes, and I paid {$100.00} on each card. 
When I called back in to do the same thing in XXXX, I was told that they had sent my file to collections, and then they reported me as 30 days late on both cards to the credit bureaus. 
The Supervisor I spoke to XXXX at XXXX said he could not help me as I was 30 days late, even though they had agreed to a partial payment. He said it was a technicality which I find astounding in the face of Covid and me voluntarily reaching out to them to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In XXXX of 2019 I contacted XXXX XXXX XXXX XXXX to resolve a long outstanding debt. They informed me that the statue of limitations had expired and that they would be doing a write off / charge off of this debt. During XXXX of 2019 there were some changes reflected on my credit bureau reports but there remained some inaccuracies. I disputed those with the bureaus as they were showing incorrectly. On XX/XX/2019 I received alerts from all three bureau 's as to changes to my reports. Upon investigation now ALL THREE bureaus are reflecting incorrect information. I called XXXX XXXX XXXX XXXX today and they state that the accounts are closed and with XXXX balance. ALL THREE of my reports show one account as still open and both accounts with outstanding balances. 

I am currently under contract to build a home. If this inaccurate reporting is not corrected I will have to pay higher interest rates and suffer financial damages from this inaccurate reporting. I have filed multiple disputes with all three bureaus over the previous months and yet this incorrect information has not been corrected.

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 2019-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
All 3 reporting agencies, plus XXXX, XXXX, and a number of others. I am XXXX and XXXX and have had criminal investigators from the US GOV helping me from 2 field offices and, the IRS, State and local law enforcement. In XX/XX/2013 my identity was stolen and my tax return was never delivered to me. They re-routed it to Texas and then north where it was cased. The CI 's worked on this for 4 years and finally had so many other cases they threw in the towel. Well, these crooks have destroyed my life. I have nothing left except earning my XXXX XXXX XXXX at XXXX. I cant get a car, house, credit card, not even a secured one. There are almost 700 inquiries on my reports and I dont recall instigating any of them. I have to live with my parents and have since this happened. They ruined my computer, tapped into my cell phone, stole my information off both of them so trying to go to XXXX  I am using my grandmas little bitty laptop and a pre-paid phone. My life was stolen from me and they are still doing it. I cant live like this anymore. Life has no meaning anymore and the credit burieas dont really care. Ive contacted them every year, put freezes on my accounts and they all 3 still let people  do inquiries on my reports. I want a clean slate. I am the victim and didnt ask for this.Thank You

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 2020-09-22
Company: Capital Accounts, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my medical bill and capital accounts lie to XXXX and theyre still keeping this account on my file, harming my credit. I want it removed I do not owe the money and it is a very old account and I paid the money!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian has old, outdated credit information about me. The other credit bureaus are up-to-date. Additionally, I have tried to look at the credit information with Experian so that I can specifically dispute items, but the online service doesn't let me create an account so that I can see the details and their phone is not manned by people. I have only heard, second-hand, the inaccuracies.

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 2019-10-11
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am writing to you regarding a disputed charge on the referenced account. I ordered a bedroom set from a merchant " XXXX XXXX '' on XXXX/XXXX/2019, and they charged my " Synchrony Home Credit Card ''. I was promised delivery for the Bedroom Set on XXXX XXXX, 2019. 

First and foremost, XXXX XXXX was not authorized to charge my account until the merchandise was confirmed in-stock and ready for shipping. 

On XX/XX/XXXX, I was I was informed that the set was delayed until XX/XX/XXXX, then subsequently was told that they were unable to deliver the set as it is no longer available. 

I told XXXX XXXX, to cancel this order, and issue a refund to my Synchrony Home Credit Account, which should not have been billed in the first place, as they sold me furniture that was not available. 

On XXXX XXXX, 2019 I went into the store and they told me that they processed a full refund to my Synchrony Home Credit Card Account. After multiple calls to the store and Synchrony Bank, XXXX XXXX was telling me that they submitted the refund and placed the blame on Synchrony Bank being slow to post refunds. Synchrony Bank advised me that there was no refund issued, not was any refund pending. 

As a result, I disputed this charge as the merchandise was never delivered as promised and no refund was ever issued. Further, XXXX XXXX was not authorized to charge my card, until the merchandise was shipped. 

Synchrony bank closed the dispute in the merchant 's favor stating that they issued me a refund on a different credit card which is untrue, and the merchant nor Synchrony Bank are able to provide any supporting documentation.

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 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Public records the court itself did not furnish any of this information to the credit bureaus. But what I do know is that the bureaus get public records information from companies ( a.k.a. XXXX XXXX ) like XXXX, or sometimes XXXX. These data miners are for-profit companies that are in the information-selling business. They regularly collect public records information into their database and then they sell it to the main 3 credit bureaus., because it is a violation of the Fair Credit Reporting Act to report false information .Date contact them XXXX XXXX, XX/XX/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