BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I feel like XXXX XXXX XXXX at this point its been a back and forth battle with Experian. This account from XXXX bank doesnt belong to me, Experian is well aware that I was a victim of identity theft, they even provided me with a complimentary membership!!! Ive provided affidavit as well, so I was suprise when I receive an alert that this account was accurate. They made no attempt to reach out to this company. THERES NO NOTICE OF DISPUTE, I also saw that in there notes they discussed dates???? Whos reviewing the concerns of the consumers at Experian?! Please remove account

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 2023-10-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My wife is a shopaholic so I was trying to open a bank account with XXXX  XXXX XXXX or USAA so I can transfer the bill money there o keep it safe, but when I call they require a text notification and when I ask for an alternative since I am on XXXX and don't get cell service to come into a branch which i cant do either until I am home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: AR
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:
The accounts with XXXX that are parent plus loans were discharged in federal court in 2009. The company refuses to follow the order by a federal judge to stop collecting or reporting after 10 years. I am asking them to be charged with a crime.

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 2019-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 submitted numerous complaints about my accounts being inaccurate but they tell me they received accurate information that I'm responsible for these accounts but didn't furnish me with any documentation I'm responsible. I'm requesting all three bureaus show me proof of ownership to these accounts. Disputed these accounts last year of 2018. These accounts are, XXXX XXXX account # XXXX XXXX & XXXX # XXXX TransUnion XXXX XXXX account # XXXX XXXX & XXXX & TransUnion

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 2022-10-19
Company: MOHELA
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 am submitting this complaint because Dept of Education transferred my loan ( s ) to MOHELA and once this happened several inaccuracies were reported on my consumer report such as late payments and inaccurate amounts. 15 USC 1681 ( a ) -Congressional findings and statement of purpose states that the banking system is dependent upon fair and accurate credit reporting. I have tried to resolve this matter with the company and also the credit agencies but neither of these companies complied or investigated this matter. The CFPB released a report stating that Millions of student loan debt borrowers had their debt transferred resulting in errors for 'hundreds of thousands of accounts '. The CFPB stated that companies are engaging in potentially bad behavior regards to these types of transfers. I feel I was treated unfairly because my dispute was never handled and this is effecting my consumer report and has caused me to be denied credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Sequium Asset Solutions, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sequium asset solutions called multiple times from multiple lines to my cell number. They call repeatedly. They called 3x today that I answered. 2x I told them to stop calling, 1x specifically to not call that number and they still kept calling. I asked for mail only and have received nothing from them but a ridiculous amount of phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I've contacted Experian for a couple months or more regarding the accounts on my credit report. They're inaccurate. Nothing that I have knowledge of and obligation to. I havent received any information and the accounts are still re-reporting as negative.

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 2020-12-24
Company: Experian Information Solutions Inc.
State: IN
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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed 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 2023-10-12
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-04-27
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: Their investigation did not fix an error on your report

Complaint:
I contacted the credit bureau regarding accounts that are inaccurate and that Im not aware of and have no obligation to. Credit bureau is still reporting the account ( s ) and not sending requested information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16
Company: General Motors Financial Company, Inc.
State: DC
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 was furloughed due to the government shutdown and though I contacted all of my creditors to make payment arrangements I have continued to receive decreasing scores and inaccurate information from several creditors on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: CA
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:
Im sorry but you will NOT block my identity theft because youve determined its an error or misrepresentation of material fact? WHAT IN THE XXXX GIVES YOU THE RIGHT TO DETERMINE MATERIAL FACTS? YOURE NOT A JUDGE OR JURY!!! NOR DO YOU HAVE ANY RIGHT. The FTC states if you receive an FTC identity theft report which is filed with a law enforcement agency ( WHICH IS THE FTC ), then you are to comply with the law. Ill give you one last chance to process my request for my identity theft or I will be seeking a legal remedy in the courtroom where you WILL BE HELD LIABLE for damaging my name, credit & all my emotional issues Ive been dealing with due to this issue. Im sure MATERIAL FACT will definitely become VERY APPARENT & you will be paying me for your negligence. XXXX XXXX. Please remove this fraudulent account 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 2019-12-09
Company: EQUIFAX, INC.
State: NV
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 enrolled in school with the XXXX  XXXX XXXX online classes program in 2016. I was able to take a few classes for about half of a semester before I had to withdraw from the school. Due to a divorce and having to work two jobs to take care of my kids, I just didn't have the time. I did receive partial payments from the school totaling about XXXX dollars. After checking my XXXX and Equifax credit report I've noticed that the school has the account listed as a charged off account in the amount of {$7500.00} dollars. I would like to know how can this be, when I only received a partial payment. This is the only negative account listed on my credit reports which is severely impacting my credit score. 
I've disputed this account per certified mail with the both reporting agencies and received back responses stating account remains. I plan on purchasing a new home at the start of the new year and it would help out tremendously if this negative inaccurate account can be immediately removed off of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: NH
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 was at XXXX trying to apply for a credit card. As they submitted my information I was told I was denied and that it could be due to a low credit score. I wondered for days what could be the other reason for this. I knew I had outstanding credit, I got my credit pulled and found out the problem I am a witness of identity theft. Most of these open accounts that have been open for a while do not belong to me. Please remove these items from my account. Thank you. 

XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX   XXXX {$2100.00}

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 explanation
Consumer complaint received 2021-11-15
Company: Rickart Collection Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY, RICKART COLLECTIONS SYSTEMS, INC, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 ( 1 ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX . 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
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: Information belongs to someone else

Complaint:
I RECENTLY RECEIVED A LETTER ABOUT A XX/XX/XXXXXX/XX/XXXX DATA BREACH AND I WAS ADVISED TO CHECK MY CREDIT REPORT TO MAKE SURE I WAS NOT A VICTIM. I HAVE NO INTEREST IN CREDIT SO I NEVER REALLY CHECK MY CREDIT REPORT. I WAS AMAZED WITH THE DAMAGE THAT WAS DONE TO MY CREDIT. ALL THE ACCOUNTS AND INQUIRIES ON MY REPORT WERE NEVER AUTHORIZED BY ME NEITHER HAVE I EVER RECEIVED ANY TYPE OF SERVICE FROM ANY OF THESE COMPANIES. I AM A VICTIM OF IDENTITY THEFT AND I HAVE ALREADY REPORTED THIS CRIME TO MY LOCAL POLICE DEPARTMENT. THEY ARE CURRENTLY INVESTIGATING AND ADVISED ME ON THE STEPS TO DO NEXT. 

THE FRAUDULENT INFORMATION APPEARING IN MY CREDIT REPORT IS AS FOLLOWS : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX FRAUDULENT INQUIRIES : 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 2017-12-27
Company: Rosebud Economic Development Corporation
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I asked for relief after XXXX XXXX, and was told I could skip a payment with NO penalty. Now, I finished the priginal schedule ( my last payment was XXXX ). So all I should have left is the payment I was allowed to miss. But instead of the standard {$140.00} payment to pay off the loan, they are saying I owe over {$400.00} to pay the loan. 

I ahve no issue with payin the {$140.00} I was told I could pay at the end of the loan to satisfy the loan, But I 'm not paying {$260.00} extra in fees when I was expressly told I could miss that payment because of the hurricane.

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 2022-10-19
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX credit card Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Bank Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-12-09
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a home equity loan with Specialized Loan Servicing LLC of XXXX XXXX , Co, which I paid off XX/XX/2019, in XX/XX/2019 I applied and was approved by my current bank to refinance my home mortgage. The title company that was assigned by my bank to do the refinance attempted to locate the Satisfaction of Mortgage which should have been filed with my County Clerks office. The document was not filed at all and all attempts to get them to file the Satisfaction with the County have been unsuccessful. Specialized Loan Servicing just keeps sending me the wrong documents stating they have filed required paperwork. The only documents they have sent me are the following , County Recording page, pay off letter and notice of servicing transfer. How do I make them file the correct documents with the County?

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 2023-07-23
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief