BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-02
Company: Experian Information Solutions Inc.
State: MD
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 applied for financing via XXXX XXXX on XX/XX/18. I received an immediate denial letter stating my credit score was XXXX reported by Experian. I have an XXXX account which shows my Experian score being XXXX as of XX/XX/18. I've tried reaching out to Experian with no 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 explanation
Consumer complaint received 2017-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Darvin Furniture is attempting to collect a debt that is well beyond statue of limitation in Il. I do not believe I owe what they say I owe. Therefore, I dispute this debt. Therefore, should they decide to pursue this matter in court, I intend to inform the court that I dispute this debt and that the statute of limitations has expired. This letter is your formal notification that I consider this matter closed and demand that you, and everyone affiliated with your company, stop contacting me. In the future, you may contact me only to advise me that you are ceasing your debt collection or that you or the creditor are taking specific actions allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX  XXXX {$330.00}. The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations Equifax to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: Bread Financial Holdings, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened an Ann Taylor store credit card on XX/XX/XXXX. Account number XXXX card was closed on XX/XX/XXXX. I do n't recall closing this account. The total amount charged was {$390.00}. My online bill pay showed that I paid the following amount on the following dates : XX/XX/XXXX - {$50.00} XX/XX/XXXX- {$25.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX. {$100.00} ( see letter dated XX/XX/XXXX stating " BILLER REFUSED PAYMENT. '' Total amount paid {$400.00} ( see supporting online bill pay documents ) I received a phone call early XX/XX/XXXX from Commenity Bank saying that I owed more than {$400.00}. I disputed the charges and agreed with the representative that I would contact my bank and ask them to forward proof to them that I had paid the amount owed. I followed through as promised. I received a letter from XXXX stating that the dispute was closed as the did not receive the documentation requested. I continued receiving bills from XXXX XXXX stating that I owed more than {$600.00} each attempt to resolved the issue, I was told the payments was paid to the wrong account as I had another account with the number ending in XXXX. On XX/XX/XXXX I made a second request for my bank to do another research. I also conducted my own research on that same date and learned that two {$100.00} payments was returned for unknown reason.Commenity bank continue to claim that the reason for this because the payment was paid to my Ann Taylor account ending on XXXX. My only online bill pay clearly shows that the payment was PAID to the disputed account ending # XXXX. ( see accompanying documents. In my many conversation I made it clear that I 'm willing to pay the amounts returned. In my many attempts to resolve this issue, I even contacted an attorney. Two letters was sent on my behalf without a resolution to this situation. As of XX/XX/XXXX XXXX sent me a " last chance '' letter is claiming that I owe {$720.00}. It is simply not fair for me to pay all these late charges due to errors made by XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-23
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under CMRE. I requested a validation on XX/XX/2018 as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me.Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the that the creditor has authorization to legally access my medical records and to attempt to collect on this account as it should have been fully covered under medicaid and this account continues to negatively affect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: The CBE Group, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original debt is from the y ear  XX/XX/XXXX , yet my credit report states the debt is from  XX/XX/XXXX . This debt has been illegally re-aged. Additionally, it appears that there other inaccuracies on this debt as well. T he company is THE  CBE GROUP INC

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 2018-06-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reported to Experian multiple times that they have out dated accounts still being reported on my credit report. Each month Experian workers have deleted and updated information with out proper investigations according to FCRA USC 1681 ( i ) I reported XXXX # XXXX should have been removed because the account became delinquent in XX/XX/XXXX. This would put it beyond the 7 year allowance according to the FCRA. When I disputed this fact Experian then deleted the pay history. This is on the Report # XXXX dated XX/XX/XXXX. Experian deleted all of the dates I disputed. This is fraud. 

I then resent in the copy by Consumer Financial Protection Bureau and received another altered updated report and not a re-investigation according to my FCRA rights. Experian then added account balances to the account for years in which they have reported the account to be closed. They reported Account Balances and Actual Payments made through out XX/XX/XXXX,XX/XX/XXXX and XXXX. How can this be if this account was closed according to Payment History was XX/XX/XXXX.  This is fraud. 

I want this deleted off of my file. I want this re-investigated and delete this account immediately. I also want copies of all files pertaining to this file and whom you collected data from. 

Experian has not verified the Terms, Monthly Payment, Credit amount, they have erased everything that is suppose to be listed

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 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The Consumer Reporting Agency TransUnion is who I am accusing of fraud. TransUnion is in violation of 15 USC 1681b. ( 2 ) which states that I, XXXX XXXX, a federally protected consumer, did not give or have ever gave TransUnion written permission to furnish anything on my consumer report.

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 2018-02-23
Company: Texas Guaranteed
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Texas Guranteed failed on many times to call back or even said I would qualify for a Hardship program income pay back, but rather that send me the appropriate work each and every time I tried to do a payment or even provide my checking account they would say well your repayment was never set up, ive signed multiple contracts and when they receive they say not received, im a single  parent XXXX XXXX working about 70 hours a week and then they go out and do this to me, I work hard for my money this isn't fair. now im danger of loosing my home and continue loosing a lot of things because of their negligence and disorder within the company, they claim to want to help but they want to destroy you and make sure you stay down. This is highway robbery

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Pursuant to Complaint Nos. XXXX  and XXXX, the description of the relief granted was that the " interest capitalization on XX/XX/XXXX for Loan Sequences 4, 7, 8, and 12 will be reversed due to a processing error. '' In a later complaint, Complaint No. XXXX, my attempt to address the interest capitalization on Loan Sequences 1-3, 5, 6, and 9-11 failed, but the response explicitly acknowledged that it was " honoring the initial promise to reverse the interest capitalization effective XX/XX/2016 on loan sequences 4, 7, 8, and 12 ''. However, in looking at my account online, the interest capitalized on those four ( 4 ) loans has, in fact, NOT been reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: EQUIFAX, INC.
State: MN
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:
Hard inquiries by Equifax Mtg on XX/XX/2017 listed on my credit report and my wife 's credit report. We have no recollection of giving permission for these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It has been years ago that I informed you that 2 of the 3 addresses you have on my credit report are not mine, I have never owned, rented, leased or lived at XXXX XXXX XXXX. XXXX . XXXX, XXXX, Texas XXXX or XXXX XXXX XXXX . XXXX XXXX XXXX, XXXX, XXXX. 

Further, the information on the credit report shows me all but the last 4 digits of each credit card, and does not include the name or at least the initials on those credit cards. The last 4 digits would possibly be more help to me than any of the other numbers of each and at least the first and middle initials would definitely be of a big help, since you have addresses I have never lived at I have a suspicion some of these credit cards also belong to other people also. 

I also have no doubt that these errors would also appear on my wife ( XXXX XXXX XXXX ) report also, XXXX, as myself have resided here at XXXX XXXX XXXX, XXXX, Texas XXXX for the past 41 years and never resided anywhere else in that time frame. If you can correct my report can you also correct hers. I doubt this because if you can or will why didn't you do it years ago?

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 2018-10-23
Company: Financial Recovery Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I HAVE NO RECOLLECTION OF OWING THIS DEBT. I HAVE ASKED FOR PROVE OF THIS SUPPOSEDLY CALLED DEBT THAT I OWE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: Senex Services Corp.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 've contacted  Senex Services and asked them to validate this account by providing a contract between myself and Senex Services, and if they 're unable to provide a signed contract to immediately delete this account from all of my credit profiles. I never received a contract as requested. Instead of a signed contract I received a bill with my HIPPA information from Senex Services, I have never signed anything to release my medical information to the company so therefore they should NOT have any of my HIPPA information. I asked that this account be removed from all of my credit profiles because I 've never had an account nor have I sign any contracts with Senex Services. Senex Services bo ught this account from  XXXX   XXXX   XXXX   XXXX  ( a medical account ) which is located in  XXXX , Texas, and along with buying this account they also received all of my personal medical records which is a HIPPA Violation. I want them to immediately destroy all of my personal HIPPA information and to delete this debt that has not and can not be verified via a signed contract from all of my credit profiles in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 spoke with bank of america corporate office in regards to a debt that is appearing on my credit reports. After numerous phone calls it has been agreed that Bank of America would delete the information they were reporting to the 3 major credit reporting agency 's. I was told to re-dispute the account with the credit reporting agency 's again and they will respond to give verification to delete this account off my credit reports. I followed what they said and today I received notification from XXXX credit reporting that the information has been verified as belonging to me and updated. This account does not belong on my credit reports and is causing my credit score to decrease in a negative way. I am submitting this complaint about bank of america and XXXX. I last checked and XXXX had removed this account and deleted it off my credit report so they are responding to delete it however XXXX just keeps updating it and not deleting it off my report along with XXXX it is still reporting.

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 2020-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a capital one card, I have never paid my bill late and my credit score is very good, despite all of this CapitalOne recently lowered my credit limit for " not using my card enough '' I do use the card and pay the bill in full every month, when I tried to email them they do not have an email address for customer 's to contact them, I ended up calling and waiting 1 hour on hold for someone to assist, when I spoke to someone they told me my credit limit was lowered for lack of use, are they not making enough money on me because I pay my balance in full every month? This is disheartening on many levels and It seems like they shouldn't be allowed to get away with this as this has a negative impact on my credit score because I now have less credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
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: Information belongs to someone else

Complaint:
I have sent a letter in 4 months ago on XX/XX/2018 and I havent received any response through mail nor email. I take it that there isnt any original contract documents on me for the credit card account with XXXX XXXX with an outstanding amount of {$1800.00} and the inquiries listed on Equifax, XXXX, XXXX. I have never given anyone any consent to inquiry inquiries on my credit file and this seems to be fraudulent and erroneous. I have attached a letter that I would love for you to carefully read. This is my third attempt since last year and this year combined. I hope we come to a resolution and your company completes an internal investigation on the account and inquiries because this seems like its becoming a problem and no one in the department is dealing with this situation or taking this matter serious. I repeat, please dont send me any XXXX XXXX messages stating that the inquiries are factual records nor is the account because I dont have a clue of who they belong to and I have contacted the creditors and havent gotten a response back. Its been more than 30 days for this matter. If this matter isnt resolve by Friday Im seeking legal actions against Equifax, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have been trying to get an issue resolved with the bureaus in regards of some accounts that aren't mines, I have been a victim of identity fraud and there has been several situations of unauthorized accounts coming up, the bureaus tell me to send a ftc report to get them remove so they have proof I filed a report. I want these items permanently blocked and removed from my report, I took precautions and blocked my reports added security and fraud alerts for my protection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is a huge step in the right direction but there still exist major flaws in the proposed course of action. First, the final loan assumption was XXXXXX  2014 ; this is the date when I officially assumed legal responsibility of the loan. Second, the response does n't even address the false reporting of delinquencies. It appears to me that XXXX XXXX XXXX is just glossing over the matter of false reporting delinquencies. That is the main issue I have with my credit report now. As the financial records prove I was never delinquent on this account. The matter is n't even addressed in the response from XXXX XXXX XXXX  because they want to change the narrative. Third, how the loan is reported is n't in accordance with the contract I signed. The contract clearly states " the loan will be reported as Modified '' and not modified under a government program. If CFPB could please get an updated letter addressing the false reporting of delinquencies that would be great. As I 've shown through proof of payment and legal assumption of the loan, all delinquencies were discharged and not passed onto me upon assumption. This needs to be corrected ASAP. I 've provided all the necessary proof validating my position is correct. As I 've dealt with this company over the years I 've learned that they will pull out all the stops to XXXX you over. In my opinion, this is just another stall tactic in hopes that I 'll accept this but I 'm not. My good credit history is all I have and they 're not going to take that away from me. Please assist me in getting this corrected. If this dispute could be reopened I would greatly appreciate it. If XXXX XXXX XXXX refuses to correct the errors then I 'll have no choice but to seek legal recourse. As outlined in the assumption I 've attempted every option other than legal action. Please assist me in making one final  attempt to get this matter corrected and effectively resolved. Thanks for your assistance.

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