BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023 I received a phone call and subsequent voice message from Credit Control Corporation in an attempt to collect a debt. Given that they are a local company that I have had issues with in the past ( see complaint ID XXXX ), I know from my personal knowledge and experience that this company specializes in collecting medical debt. At the present time, the only balance that may be owed to a healthcare organization is for a bill in the amount of {$4800.00} that may be owed to XXXX XXXX XXXX ( XXXX ). This debt is only supposed because it is presently being reviewed for financial assistance by XXXX. Attached is the current communication from XXXX regarding this matter and it clearly shows that the application is in " Pending '' status and that the last correspondence was on XX/XX/2023 ( See Attachment # XXXX ). That correspondence ( See Attachment # 2 ) is requesting bank statements from the past three months, which is only necessary because the system owned by XXXX does not allow such a sizeable upload, but I did upload the first several pages that showed balances, and from that they were able to verify the information ( See Attachment # 3 and # 4 ) yet will not allow my application to move forward. It does not make logical sense that XXXX would sell a debt to Credit Control Corporation that is still in a pending state, and whose final amount due has not been decided as of this date. Furthermore, no communication was given to me by XXXX that it would be sent to a debt collector ( See Attachments # 5 and # 6 ) and no outreach was done by XXXX to establish a payment plan. Therefore I must conclude that XXXX sold an invalid debt to Credit Control Corporation possibly to avoid their fiduciary responsibilities as a non-profit organization with a revenue of {$50.00} XXXX. Credit Control Corporation assisted XXXX in their effort by attempting to collect a debt that was invalid, was not settled with regard to final amount due, and that was not owned by Credit Control Corporation at the time the aforementioned phone call was made.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: EQUIFAX, INC.
State: KS
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:
Re : XXXX XXXX Account ending in XXXX This credit card had a credit protection service on it, in the event of job loss. When I called in to report my job loss, the creditor said they no longer honor that program. Subsequently, this is a violation of basic contracts law as there was no meeting of the minds at inception, violation of the UCC section 2-201, as I had made regular payments and had a reasonable expectation of the minimum payments to be made during the time of my job loss. Additionally, I find a violation of section 1-304 of the UCC as the creditor had no good faith, and entered the contract with unclean hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian XXXX XXXX XXXX XXXX, TX XXXX Dear sir, At first, I would like to request the removal my name permanently from the preapprove credit offer mailing lists that your company provides to businesses. These are necessary information for this : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Next, I want to dispute and complain some content on my credit reports. Due to the multiple times of email notices of your companies, previously, I requested to remove the part of statement in it, which state I am on duty of military. Since I am a XXXX nationality and was born in XXXX I dispute this content should be a mistake or written in fraud by your company upon some impersonated third person. Even though I submitted the necessary documents to remove it, since these emails have stated same thing, I would submit the document which tells my name and address along with the copy of social security. Therefore, I request to remove the written content of military duty and give the explanation of this addition to my credit report. 

Thirdly, one of email addresses of your company, XXXX, continuously sent me the credit report every day, and they state that one of my XXXX XXXX XXXXXXXX does not have any transactions, since there has been {$0.00} balance and {$0.00} scheduled payment ; even though I continuously use and pay every month. Also, they say this card was closed in this XXXX, even though I still use. Would you explain this discrepancy with reality? Even though the report asks to contact with XXXX XXXX XXXX, XXXX XXXX, TX XXXX, I request you to clarify the matter within your company as your company responsibility. 

Sincerely,

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 2023-12-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-12
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have tried emailing through the portal and calling the company about the status of my SAVE plan and application. I haven't received a response through email and I wasn't able to get ahold of anyone through my phone call. I requested information related to my loans being placed in " XXXX XXXX XXXX '' and my payments continuing to be delayed after applying for the SAVE plan. I have not been able to get in contact with anyone and my payment date continues to be delayed with no actual communication. My application was completed on XX/XX/23. 

My interest continues to accrue daily and I would like my payments on the SAVE plan to start, so that I can benefit from the plan. I never requested a forbearance to be placed on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: MI
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I requested a copy of the original signature from the application be sent to my home address. I am requesting proof that XXXX XXXX allowed to practice debt collections in the State of Florida. This account has been be reported negatively for over seven years. I request on several occasions the reporting history from the opening of this account be sent since 2016. If XXXXXXXX XXXX had the complete file it would show the original Date of the application., Reassignment to collections does not restart the seven year window. Please send a complete file that shows each purchase each month to compute the amount claimed owed.

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXXXXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-20
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX Account # XXXX has violated my rights FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting Act 602, it states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian is a consumer reporting agency and I am the consumer. 15 USC 1681b ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Experian, the consumer reporting agency, does not have my written consent to furnish my information in regards to the collections account with account number XXXX as well as the inquiries on my consumer report listed as XXXX XXXX Na dated XX/XX/2023, XXXX XXXX XXXX  dated XX/XX/2023, and XXXX XXXX XXXX dated XX/XX/2023. Any and all consent to Experian, whether it be verbal, non-verbal, implied, written, or by any other means is now revoked. In addition, 15 USC 1681 ( c ) ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This collection account along with the inquiries on my account are adverse items that are reporting without my permission which is against the law. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: NV
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:
XX/XX/2022 I obtainted a XXXX XXXX Loan with XXXX credit which made a legal inquiry on my report, somehow, all these other inquiries were made which i did not apporve of, I have tried disputing these through the credit bureaus but not getting anywhere. 

- XXXX XXXX  - XX/XX/XXXX and XX/XX/XXXX, XXXX unsure why this is showing twice - XXXX XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Company : Experian ( https : //usa.experian.com/ ) Experian has for the past several years denied me access to manage my credit report on their website and have not successfully delivered a copy of my credit report to me despite making such a request. Every time XXXX contact customer service, their systems are having errors or they aren't able to pull up my information. 

XX/XX/XXXX : I attempted to create a basic account to access my credit report. Encountered a vague " Oops, we're sorry! '' error page with spinning gears that told me to call support. I call support, and they tell me I have several inactive accounts ( due to my attempts last year to freeze my credit ), and that I do not have credit history and I should get a credit history if I want to create an account. On a subsequent attempt to call support I am redirected to several support people, XXXX of whom starts an escalation with their " top-tier '' department, to investigate why I can't make an account and access my credit report. 

XX/XX/XXXX : Attempt to buy healthcare using XXXX XXXX XXXX XXXX XXXX Illinois. I get redirected to an experian identity check page. I receive the vague error page with the spinning gears that tells me to call support. I call support during business hours and after XXXX mins on the line, the line goes silent and there is no response. I have to hang up due to an appointment. 

Some time in XXXX : I attempt to put a credit freeze on my account and go through the process of creating an account on experian and experience the " Oops, we're sorry! '' error page with the spinning gears. I call customer support and they walk me through creating another account, but they claim their system is having technical difficulties and the " identity verification questions are not loading. '' Therefore we are not able to continue. They ask me to call back again later. I call back again later, and the same thing happens.

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 2023-08-12
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:
On XXXX XXXX XXXX I mailed to Experian certified letters disputing information that I found to be inaccurate on my credit report. Experian sent me a couple of different emails on XX/XX/ informing me that my disputes had been open and the investigation was processing. Then on XXXX XXXX XXXX Experian sent a couple more emails informing me that those same disputes, long with the investigations had been completed. 

Experian stated that the account listed XXXX XXXX XXXX XXXX XXXX  had been verified as accurate as well as account listed XXXX XXXX XXXX XXXX had been verified as accurate as well. How can this be possible when the last date reported is inaccurate and the current payment status and also the open date is inaccurate. This is grounds for removal, and they also violate my rights under 15 USC 1681 Section 604A Section 2. 

That law states that the consumer reporting agency can not furnish a report without my written consent, and I have not given written consent to furnish these accounts on my credit.

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 2023-08-16
Company: EQUIFAX, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX & XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$460.00} XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-02
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by Cooling and Winter Law firm about a debt they claim I owed. The debt was XX/XX/XXXX in XXXX County court. I responded to the letter asking for verification because I had never heard of this law firm. I asked that they provide me with all original signed documents since they were a third party who I had never done any business with. They sent me screenshot of a judgment with no signature from the judge. They sent me two letters in the same envelope and they had different balances. These letters were dated XX/XX/XXXX with a balance of {$2700.00} and XX/XX/XXXX with a balance of {$1500.00} for the same debt. The statute of limitations had expired on this debt but was renewed by this money hungry Law Firm that I 've never had any dealing with. They have continued to write me letters and attempt to claim this debt without validating the debt. It 's unlawful to continue attempts to collect a debt without proving I owe the debt. I have also asked that they cease communication with me about this debt. I will attach the documents for you to review. Thanks

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