BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: Experian Information Solutions 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 been trying to get these fraudulent accounts removed for a while. Ever since i have learned how important credit is and I've been trying to build my credit. Please get these account removed they are negatively affecting me and its not my fault. I have gotten a police report, disputed these and nothing changes. It shouldn't be this hard to remove items that I didn't open please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
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:
XX/XX/2021 : exercised right to rescind the contract due to XXXX XXXXS fraud. as evidenced on the XXXXecords, i.e. credit reports, fraudulently -- no lawful nor legal consent was given -- created and stored by the accomplices and accessories XXXX XXXX aided and abetted, in disregard to the laws, XXXX XXXXS has criminally and publicly committed fraud, defamation of character and libel crimes while, again, aiding and abetting, which is another crime, third parties, i.e. XXXX, EQUIFAX, and XXXX, all of which are accomplices and accessories -- by way of negligence or not -- to assist in carrying out the unlawful and illegal offenses, crimes and violations against XXXX XXXX and causing severe personal injury and damages to XXXX XXXX and authorized representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: V and H Portfolio
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: EQUIFAX, 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:
On XX/XX/19 XXXX credit Report, XXXX XXXX   XXXX  ( XXXX ) status states DELETED from your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2022 Best Buy Credit Card blocked my account due to suspicious activity. I called them to clarify, and get verified but they wouldn't do anything to help me, aside than just saying we'll call you back to verify the account which they never call back. I would really appreciate your assistance in trying to get this resolved and my card unblocked. I have called them multiple times to get this resolved and they unblock my card for a few days and re-block them, and they say someone will call me to verify my account but they never ever call. I would like your assistance in helping me resolve this issue, and to find out what's going on with this credit card company that they keep playing games with me, and honestly is getting to be extremely frustrating. I understand they need to verify accounts if they have suspicious activity, but they don't even try to verify the account like other well managed credit card companies that they will ask you very personal questions to verify the account, and even have you take a picture with your valid id, maybe they should learn how to operate and treat customers like people.

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 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
TransUnion has committed multiple FCRA and FDCPA violations by reporting multiple alleged, invalidated debts in their system for my consumer report dated as of XX/XX/XXXX. I have sent documentation showing proof of these inaccurate accounts that they have listed along with proof of TransUnions violations multiple times via regular mail and via electronically. TransUnion has responded by blatantly lying when they responded via a notice to me via mail stating that they could not locate my consumer file in their database. 

This is not true as I have spoken to them via phone on multiple dates including XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and on both calls, a TransUnion representative was able to locate my consumer file in their database. TransUnion also lied in their response to both of my previous CFPB complaints when they stated that their were filing disputes regarding the documentation that I submitted to them. They have completely ignored my requests to remove all of these inaccurate accounts and are ignoring my CFPB complaints for resolution as well. 

TransUnion was already in violation specifically of 15 USC 1681, 15 USC 1692, and 15 USC 6802. But now they are also in direct violation of 15 USC 6821 as they know that they are intentionally disclosing false, fictitious, and fraudulent information in their database with respect to them continuing to report the following accounts : XXXX XXXX XXXX XXXX Derogatory / Collection / Charge-off XXXX XXXX XXXX Derogatory / Collection / Charge-off XXXX XXXXier - Derogatory XXXX XXXX Derogatory / Collection /Charge-off Chapter XXXX & XXXX Bankruptcy Public Records

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 2022-02-05
Company: AES/PHEAA
State: GA
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:
In XXXX, I returned to school to get a XXXX XXXX and my undergraduate loans were placed in in-school deferment. I was employed by the federal government and pursuing Public Service Loan Forgiveness. I remained on the in-school deferment until I completed my program in XX/XX/XXXX. 

The new waiver does not give credit for in-school deferments towards the XXXX payments requirements. I feel like we should be given the option to take those student loans out of deferment and make back-payments ( for the same amount we paid back then ) to count towards the XXXX payments for PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: Experian Information Solutions 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:
Well I got one account on Experian from XXXX XXXX XXXX for XXXX dollar that account is no mine also I got another account on XXXX for XXXX that account is no mine I try to contact the credit agency for months and they still claim that information is mine I nedd that remove from my credit file ASAP

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 2023-08-14
Company: Experian Information Solutions 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:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 40 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-02-22
Company: EQUIFAX, INC.
State: OH
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a car care credit card through Synchrony credit. I have spent the better part of the last year fixing my credit up to XXXX, so I really expected it to be accepted. 

However, I was completely shocked to see that I was declined. When I read the fine print a little further, it showed that my score was XXXX. My score hasn't been XXXX for years! And I pay good money to monitor my credit. 

After double-checking, they are, in fact, accessing a completely incorrect credit score. This is a problem because I would never have performed a hard pull unless I thought for sure I'd get approved. As previously stated, I'm rebuilding my credit and wouldn't want to lose even just a couple of points. 

I tried calling and got nothing but scratchy, pre-recorded prompts which ended because I wasn't approved and don't have an account number. There was an option to write them. But, realistically, is that really going to help me? There should be a way to get answers from a real person for something like this. 

I'm actually glad this happened because I would never trust this company to accurately report my payments if they can't even obtain an accurate report in the first place, but something needs to be done. 

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 2022-02-22
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
Equifax closed dispute XXXX with the following statement : Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. Unfortunately, we are unable to proceed with an investigation of the concerns raised in your complaint because we need additional information. Please provide us with the following information : Specific item name, account numbers and nature of dispute. Please provide the requested information to Equifax Office of Consumer & Agency Assistance, XXXX XXXX XXXX XXXX, GA XXXX. If you have any questions or require additional information, you may contact by calling a Customer Service Representative at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I came into a financial hardship when I was hospitalized from an automobile accident and IRS issues which caused me to be out of work and late on my auto loan with Capital One Finance for several of months in 2017 for the amount of {$380.00}. Im now current on my auto loan and written a goodwill letter to have the late payments removed because Im now financially stable and able to keep my account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I found my students loans were put into deferment when I did not intend this. I called XXXX to discuss and ensure I was able to protect my PSLF status as due to the deferment, my autopay on XX/XX/26 did not get take from my account. I was told on XXXX that the only way to remove deferment was a formal letter uploaded and it would take XXXX business days to process. I inquired about my PSLF status and payment for XXXX and was told to hold while she spoke with a supervisor. When she returned she stated that once out of deferment, I could make a payment that would count toward XXXX. I asked if she would note that specifically in my account and she agreed. I uploaded my letter. I called back XXXX to inquire about the status of my loans still being in deferment. I was told that it takes XXXX days to process and that they recommend I make a payment based on my IDR today to count toward XXXX. I informed this agent that I had received conflicting information. She stated " it's up to you I'm just providing my recommendation ''. I made a payment. I think did more reading on Student Aid.gov noting that even making a payment while in deferment, it would not count toward PSLF. I called back and this agent said it takes XXXX business days to process deferment. She stated that I would not get credit for an XXXX payment for PSLF unless made within XXXX  days of XX/XX/26 which was the due date of the XXXX payment if I had not been in deferment. She also said that payments during deferment do not count. I explained this was conflicting and she asked me I I spoke to newer agents, I explained the agents did not disclose their levels of training. I asked if my deferment is not processed by XXXX  days after XX/XX/26, would an XXXX payment count. She said no. I asked if she could review what the other agents had said as all information was conflicting and she said there were many pages of information and it did not say what I explained. I asked if I should cancel the payment I just made and she said " it's up to you, depend which agent you want to believe ''. I then asked to speak to a supervisor and have been on hold for XXXX hours. 

I think it is wrong for a student loan servicer to have agents given XXXX different answers about this situation and not provide me with anything in writing regarding our conversations for me to have future protection by following their advice. I asked if I could have copies of the notes from the calls and was told I would need a court order. I am simply trying to make my payments and qualify for PSLF and am receiving conflicting information from Mohela itself. I still am not clear what is best to do next.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
IC System Inc XXXX has two collections reporting on my credit, each is for the identical amount of {$180.00}, reference number XXXX, they said they received this information from XXXX XXXX XXXX XXXX XXXX in realation to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date of service they report are XX/XX/2017 and XX/XX/2017, I have contacted both providers and confirmed that I don't owe them any money, IC systmem told me to contact XXXX XXXX which I did with a conference call joined by IC systmem, they said I have to provide proof these are paid and I don't have proof because the bills were paid as I received them, I asked them to call the providers to confirm that I don't owe them money and they insist I have to provide proof which again I dont have other than the fact that I don't owe these providers any money. This is causing my credit score to suffer and I'm trying to purchase a home, seems unfair that they say I have to pay this if I can't provide proof yet they will not contact the providers to confirm I don't owe money

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 2019-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi I have hard inquires on my report I did not recognize First is from XXXX XXXX Ohio made XX/XX/XXXX. I didnt make this inquire Ive research the company and did not use there service. 

The next is : XXXX XXXX XXXX XXXX Delaware XXXX from XX/XX/XXXX The next is from XXXX/ XXXX XXXX XXXX Florida 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