BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-18
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:
These are not my accounts, nor did I authorize these companies to run my credit. Additionally, there are addresses and names that I don't recognize on my personal profile. Please remove them.

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 2023-06-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-05-18
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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXXACCOUNT NUMBERXXXXBALANCE -ACCOUNT OPENED XXXX AS COLLECTION UNPAID.XXXXACCOUNT NUMBERXXXX OPENED XXXX AS CHARGE OFF UNPAIDXXXX XXXXACCOUNT NUMBERXXXXBALANCE $ XXXXACCOUNT OPENED XXXXREPORTED AS COLLECTION UNPAIDXXXX XXXX XXXXACCOUNT NUMBER1XXXXBALANCE $ XXXXACCOUNT OPENED XXXXREPORTED AS CHARGE OFF UNPAID.XXXX XXXXACCOUNT NUMBERXXXXBALANCE $ XXXXACCOUNT OPENED XXXX AS CHARGE OFF UNPAID.XXXX XXXXXXXX XXXXXXXX XXXXACCOUNT XXXXBALANCE $ XXXXACCOUNT OPENED XXXXREPORTED AS REPOSSESSEDXXXX XXXXACCOUNT XXXX $ XXXXACCOUNT OPENED XXXXREPORTED AS CHARGE OFF. 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : 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. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-08
Company: Maximus Education, LLC dba Aidvantage
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Account showed up as disabled in XXXX. Attempted to call office and stayed on hold for 2 hour until offices closed for the day. Emailed requesting access and explaining I had an error 100 code notes on the disabled account. Replies to email were sent to account, which was disabled. Attempted to call again and no response. Called again and after waiting an hour and troubleshooting with representative she was unable to allow me access to the account. She deleted the account and asked I reregister. When reregistering did not work she said her supervisor said she was not supposed to have deleted the account and that I would have to call back. I asked for an extension for payment due date in the meantime while this was being held and they insisted I had to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}.

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 2019-07-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
In XX/XX/2019, I received an opened letter from XXXX XXXX XXXX due to it being misdelivered to another adress and immediately sent them ( XXXX XXXX XXXX ) a  debt validation letter. XXXX XXXX XXXX received my letter of debt validation as evidenced by attached Certified Mail Receipt. To date, I have not received validation of debt from XXXX XXXX XXXX via mail nor by phone and the negative entry remains on my credit files ( Experian, XXXX and XXXX ). Due to XXXX XXXX XXXX 's failure to validate debt and failure to respond in an appropriate amount of time, I am requesting immediate removal of their negative entry from my credit files immediately due to Fair Debt Collection Practices Act violations.

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 2020-07-18
Company: EQUIFAX, INC.
State: CA
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:
Equifax is inaccurately reporting a bankruptcy on my credit file. I have also been blocked from having online access making it difficult to view my credit report and submit disputes online. It has proven to be extremely difficult and troubling trying to call and speak with a live representative regarding this matter. At this point Equifax has failed to offer sufficient access to my credit file. 

After going back and forth in written correspondence a my only option, my last letter ( copy attached ) was mailed via certified mail on XX/XX/2020. I received an automated response that did not satisfy my written request. I have been denied sufficient access to my credit file and denied adequate documentation as requested per FCRA 611 ( a ) ( 7 ) to request a complete description on all methods used to investigate my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX Report Date : XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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 UNSUCCESSFUL IN GETTING PORTFOLIO RECOVERY ASSOCIATES, LLC WHOM I HAVE PAID MY ACCOUNT BALANCES AND HAVE PROOF OF THE PAYMENT ARRANGEMENTS WE MADE AND WERE PAID OUT DIRECTLY FROM MY ESCROW ACCOUNT TO SHOW PROOF THEY HAVE BEEN PAID IN FULL AND THEY CONTINUE TO FRAUDULENTLY DENY MY REQUEST TO UPDATE MY CREDIT REPORT TO SHOW MY ACCOUNTS HAVE BEEN PAID IN FULL. I HAVE TALKED TO THEM SEVERAL TIMES OVER THE PHONE AND THROUGH XXXX XXXX I HAVE BEEN FIGHTING WITH THIS FOR THE PAST 3 MONTHS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Clark County Collection Service
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This account is a loan from XXXX of XXXX. I guess I never made a payment, and then it went to collections with Clark County Collections in XX/XX/XXXX. I have disputed this multiple times with the credit agencies, but the information keeps coming back accurate. They claim the first date of delinquency is XX/XX/XXXX, but it is actually XXXX or XX/XX/XXXX. Making this debt too old to be on my credit report. I have the documentation they gave me, and they also spoke to me on a recorded line stating I never made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hello, Just received another phone call from Navient regarding my non-qualified private student loan. I was warned today that my loan will soon go into default if I do nothing and do not bring it current. Apparently, Navient has no intention of halting collection on my loan. I have attached a billing statement from XXXX that shows that the owner of the loan that Navient now services is XXXX XXXX XXXX XXXX. I have included another copy of my XXXX  XXXX discharge order as well. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: KEYCORP
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My Kansas State XXXX XXXX direct deposit payments ( XXXX ) to KeyBank NA has been hacked over the past two months. So far I have lost over {$1500.00}. I have notified the KeyBank, Kansas State, the FTC, credit reporting companies. KeyBank has reissued me three new debit cards to try to stop this, to no avail. Though I have not yet received my third debit card, I did notice, KeyBank has issued a credit for the most recent charges. Since I am a disabled person and was hospitalized and recovering while this was initially happening, I didnt notice at first, because I wasnt using the card. The bank is indicating that since I didnt report it right away, they arent responsible. 

The same day I reported my first hacking letter to KeyBank, I received a notice that I had been involved in a breach from XXXX and XXXX. 

Even though I have been reimbursed {$810.00}, there is no way to be sure it will be there long enough until I get my new debit card to cash it out before the hacker gets it. Please help me. 

XX/XX/19 {$400.00} XX/XX/19 {$250.00} XX/XX/19 {$210.00} XX/XX/19 {$500.00} ( reimbursed ) XX/XX/19 {$310.00} ( reimbursed )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-27
Company: Payward Ventures Inc. dba Kraken
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Reference : KRAKENs transfer to a FRAUD SCAM Brokers : XXXX I would like to bring your attention to a serious issue I have with KRAKENs wires that first took place on the XXXX of XX/XX/2019. I have been victimized by a multilayered scam operation orchestrated by XXXX the Company. The funds were transferred utilizing KRAKENs services in the total amount of XXXX GBP! I would also like to point out that on the XXXX of XXXX XXXX I filed a dispute with KRAKEN XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My wallet was stolen at a gas station in XXXXXXXX XXXX XXXX. I starting noticing fraudulent activity such as credit cards I did not apply for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
State: AR
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 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 explanation
Consumer complaint received 2020-12-09
Company: EQUIFAX, INC.
State: MN
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:
The following credit inquiries listed on my Equifax credit report are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX XXXX, XXXX, XX/XX/2020, XXXX XXXX XXXX, XX/XX/2020, and XXXX XXXX, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
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: Public record information inaccurate

Complaint:
THE DISCHARGED BANKRUPTCY ACCOUNT HAS NO AUTHORIZATION TO REPORT ON MY CREDIT. THIS ACCOUNT HAS BEEN DISCHARGED AND DISMISSED IN THE COURT OF LAW. I AM REQUESTING IMMEDIATE REMOVAL OF THIS ACCOUNT ON ALL THREE REPORTING BUREAUS.

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 2023-06-23
Company: EQUIFAX, INC.
State: NJ
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:
15 USC 6802 Pursuant to 15 USC 6803 At the time of establishing a consumer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations. 

Pursuant to 15 USC 6802 ( b ) ( 1 ) ( a ) such financial institution clearly and conspicuously discloses to the me. Your institution violated me by not giving me the right to opt out clearly and conspicuously. 

In addition, Pursuant to 15 USC 6802 ( b ) ( 1 ) ( b ) the customer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party, in which you violated this law as well because I was never disclosed this at all. 

I was to be given the opportunity and explanation of how I can exercise my right for nondisclosure. 

This account is not supposed to be reporting on my consumer report this is my demand to remove this account. 

Account XXXX Account XXXX : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-04
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Experian Information Solutions Inc.
State: FL
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:
I have contacted Experian about 9 Inquiries that I have NO knowledge of. They always come back with the same MUMBO JUMBO, " it's suppose to stay there for 2 years. No, not when I didn't apply for it. I did NOT apply for credit with these companies and I DID NOT give any company PERMISSION to run my credit. The inquiries need to be deleted 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 2023-09-05
Company: Bread Financial Holdings, Inc.
State: ID
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Comenity Bank has violated the Fair Debt Collections Practice Act by calling my cellular telephone number XXXX more than seven ( 7 ) times within a seven day period. 12 CFR 1006.14- Harassing, oppressive, or abusive conduct, paragraph 14 ( b ) ( 2 ) ( i ) states that a debt collector can not call : ( A ) More than seven times within seven consecutive days ; nor ( B ) Within a period of seven consecutive days after having had a telephone conversation with the person in connection with the collection of such debt. The date of the telephone conversation is the first day of the seven-consecutive-day period. 

Comentity Bank called my XXXX which XXXX XXXX XXXX provided caller ID name detail on the following occasions : Tuesday XX/XX/2023 at XXXX ; Monday XX/XX/2023 ( XXXX XXXX XXXX XXXX ) at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ; Tuesday XX/XX/2023 at XXXX, XXXX, XXXX, XXXX. Comenity Bank called from the following phone numbers which were identified by XXXX XXXX XXXX  Caller ID Name : XXXX, XXXX, XXXX. I have saved XXXX call logs and XXXX XXXX XXXX call records as evidence of the company 's abusive behavior. 

The frequency of the calls, four calls within one hour this morning, clearly demonstrate abusive behavior intended to harass and annoy me in clear violation of the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My family and my self have been going through a very rough Cpl of years for the last 2 years there have been a series of hardships that have occurred that set us behind on our mortgage payments XXXX Husband had had XXXX XXXX XXXX and then I was very sick struggling with serious and XXXX of the XXXX then again hospitalized my husband who had to get a XXXX then XXXX we lost our son and My mother all while in recovery from those surgeries while undergoing all kinds of medical treatment for my serious and XXXX of the XXXX we were being consumed by the debt of not only our medical situation mortgage funeral cost caretakers and all other responsibilities that we have and then XX/XX/XXXX wife went under operation for a XXXX transplant and is currently in XXXX trying to recover and meanwhile our home went into foreclosure and the lender wants and will only accept a reinstatement payment in the amount of {$370000.00} by XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: AES/PHEAA
State: NJ
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 received an email from XXXX XXXX on XX/XX/XXXX saying that " delinquency exists on the student loans you endorsed ''. 

I received the email the morning of XX/XX/XXXX and immediately called XXXX XXXX to inquire what this could be about, as all of my student loans are on autopay. XXXX XXXX services my two private student loans for American Education Services ( AES ) and XXXX. My loans under XXXX and AES are both on autopay each month for {$690.00} ( total ). 

I then called AES to see if they had any information on my " delinquency ''. Essentially, AES is billing my co-signer each month IN ADDITION TO THE PAYMENTS I 'M ALREADY PAYING, without my knowledge. When I called, I found out that my co-signer is paying my " outstanding balance '' of {$6.00} each month, which I should NOT have in the first place. 

Neither AES nor XXXX XXXX has their information straight and can not give me a clear answer. When I asked XXXX XXXX why they sent me a delinquency notice, they replied that they " do n't know ''.

Company response to consumer: Closed with explanation