BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The aforementioned credit collection agency representing whomever XXXX, XXXX is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : Experian, XXXX  and XXXX. 
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file 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 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX  and XXXX and reporting inaccurate information. they are also displaying the wrong fees and interest. The account does not reflect payment and they are violations of fcra and FDCPA

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 2020-01-19
Company: DISCOVER BANK
State: DE
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 kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Identity theft.

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 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have tried to contact Transunion to regarding this issue : I would like to contest and challenge an item on my credit report. My bankruptcy entry through the credit bureaus has caused much damage to my credit and failed to cover items that were listed in it, including XXXX, XXXX  XXXX / XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX, as marks against my credit. 
I hired XXXX XXXX to have these items challenged on XX/XX/XXXX. I had to challenge XXXX XXXX twice and it has finally been removed using XXXX XXXX to dispute it. The bankruptcy was not and has not been reported correctly and there were flaws in the process of creating it to protect me from said creditors. Please remove the bankruptcy from my credit report as it has adversely affected my credit by not reporting items it should have contained. 
Please reference Part A. Secured Debts ( Section 3 - Debts ) for entries For XXXX XXXX XXXX XXXX, ( Part B. Credit Cards ) for XXXX XXXX XXXX, and XXXX XXXX. XXXX  XXXX reference # for the Bankruptcy is XXXX, Reported on XXXX, XXXX, XXXX. 
If you have any questions, please do not hesitate to contact me.

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 2020-05-06
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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : 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 2019-04-09
Company: AES/PHEAA
State: TX
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:
As of XX/XX/XXXX I have e-mailed my loan handler several times in reference to a discrepancy on my loan balance. I picked up on the discrepancy due to an update on my credit report which shows it as a credit limit increase. However, the balances were current and the result of previous disbursement as it was stated on my financial aid reward. To simplify things previously opened account with balances were further charged not to cover for my expenses such as tuition but for purposes unknown to me.In fact, the form XXXX shows the accurate amount of {$11000.00} paid on tuition for academic year XXXX. However, after having contacted the loan handler and the school financial aid department alike the amount paid for tuition was adjusted to compensate for such additional charges. In any case, I am being overcharged by several thousands of dollars and no one is acknowledging the nature and gravity of the problem. I want to point to the fact that such issue could be consider criminal in nature considering the fact that it involves cash and actions that could be interpreted as fraud and theft. By my calculation the extra charges at least the one I found total around {$7300.00}. However, I wonder if such practice is unique to this situation or if it has been done several times before. Logically, requiring a complete examination of my complete borrowing history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 been disputing with the Bureaus over the phone and in writing since XX/XX/2017 to remove inaccurate information from my credit file as it is hurting my credit and I am unable to secure a job in the XXXX XXXX due to the inaccurate information being reported. I keep getting the run around and no where with the bureaus. They keep updating information that is not mine or does not pertain to me even after I have sent them documentation showing who I am.

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 2022-08-11
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$16000.00}

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 2021-06-29
Company: PROVIDENT FINANCIAL SERVICES, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I became a victim of fraud when someone without my authorization took 9 trasactions of {$500.00} each via XXXX through my Provident Bank NJ Checking account on XX/XX/20 and on XX/XX/20. On XX/XX/20, I reported the the unauthorized transactions to Provident Bank and they immediately put a hold on my account. Since then I've been trying to get this resolved and money credited back to my account with Provident Bank 's fraud department but they keep stating that they are waiting for a response from XXXX and from their legal department. My business was with Provident Bank and not XXXX. I have rights and protection under the Electronic Funds Transfer Act yet Provident Bank NJ has not attempted to provide any type of resolution for my account being hacked via their XXXX service. 
It has been over 6 months and I am still out {$4500.00} dollars that I was saving for my maternity leave. I am now on my maternity leave with a newborn child and am finding it difficult to maintain my finances without any income and was counting on my savings to get me through. I have a copy of the fraudulent transactions as well as the Affidavit of Forgery/Unauthorized Transactions I filed/signed with the Provident Bank NJ directly. 
Provident Bank 's Fraud department # is XXXX and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-05
Company: DISCOVER BANK
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/21 I contacted Discover Home Loans for a payoff letter to find out that I was placed in something called forbearance. 

I never requested or even called them or logged in. I asked how this could happen and they could not answer my questions. 

They did not process my XXXX payment so I gave them a payment over the phone and they took that and said they would apply my XXXX payment to my XXXX payment. Today on XX/XX/21 discover sent me another email saying in the forbearance program I have called and have records of the calls Please expedient this request to help me and investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I co-signed on my husband 's student loan with XXXX, when he graduated the loan was transferred to Firstmark Services. Since Firstmark Services has received our loan, we have had nothing but trouble. They tried to make us make a payment prior to the end of the 6 month grace period, they provided incorrect information to both me and my husband on separate calls. Furthermore, after my husband made a payment by phone in the amount required by the caller, I received collection calls stating that we still had a past due balance. After multiple requests for a break down of the payments, I still have not received such information. Now again, after making a payment, we logged into our account saying we have a past due balance. 

We enrolled in interest only payments in XXXX, but have consistently received statements requiring principal and interest payments. Based on our XXXX statement, interest only payments should be around {$170.00} ( give or take a dollar or so ), but the current amount due shows {$280.00}.

Loan 1 Principal Balance {$15000.00} Interest Rate 11.49 % Daily Interest {$4.00} XXXX Daily Interest * 30 Days in the billing cycle = {$140.00} Loan 2 Principal Balance {$2900.00} Interest Rate 9.44 % Daily Interest {$0.00} XXXX daily interest * 30 Days in the billing cycle = XXXX  Total Interest Only Payment for Loans 1 & 2 = {$170.00} This company violates the UDAAP by not producing the documentation to support the payments they are requiring and demanding more than what should be due. Looking at the XXXX reviews, I can see this is common practice with this company. I feel as though they are taking advantage of their customers. If we weren't so thorough with our bills, their deceptive acts would have caused us to over pay twice since XXXX. My husband and I just had a baby and are not made out of money, their abusive acts could have caused substantial injury in our lives. Please feel free to contact myself or my husband if you require further details regarding my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
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:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$12000.00} on XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased a vehicle and along with this purchase there was also a factory warranty. Shortly after it was purchased the vehicle started to break down. I took the vehicle into the dealership to be serviced. The dealership would not honor the warranty. I was reluctant to continue to make payments on a vehicle that was not running. I tried numerous times to work with the dealership to fix the vehicle and honor the warranty however, they refused. The dealership took the vehicle back. There is no outstanding balance due and owing and this account. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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