BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: CA
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:
Upon checking my credit report there had been an initiation of a credit card account that I did not process, recognize, or Authorize. 

XXXX XXXX  XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Consumer Adjustment Company Incorporated
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, I contacted Caci - consumer adjustment in reference to a medical collection. First, I was informed that I would have to pay a convince fee of {$39.00}. I then asked if there was a place that I could pay online to avoid the fee. The answer was no. After I paid the fee plus debt, my account was charged instantly. I was told that I would be receiving an email with my receipt 7 business days after the payment was made. I called back after those 7 business days, and I was told that I did not receive my receipt because my email address on file was incorrect. Then, I was told that I would have to wait another 7 business days. After those 7 days I called back because I still did not receive my emailed receipt. I was then told that they would be mailing it. I still have not received my receipt via email nor mail. The collection is currently still showing on my credit report. Lastly, another agency call me in reference to this same debt, and I told them I have paid it. They instructed me to send the proof, but other than the funds being deducted from my account I do not have any proof. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am demanding immediately deletion of this inaccurate account, reporting to my credit profile pursuant to section 15 US C of my fair credit reporting act I have not obtained or gained any goods or services from this fraudulent account I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 called TransUnion for assistance with unauthorized inquires on my credit report. I spoke with a representative who was assisting me with deleting these inquires and the phone was disconnected. I then called back and spoke to another report who told me the inquires could not be deleted. I explained to the representative that I was previously being assisted with deletions before the phone hung up. I asked to speak to a supervisor who told me she would not assist me with taking care of the negative inquires reporting to my credit report. 

Inquires XXXX XX/XX/20, XX/XX/20 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 explanation
Consumer complaint received 2019-10-15
Company: Century Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Century Financial Services is owned by XXXX XXXX XXXX XXXX. 
They billed me twice for the same bill and were paid twice for the same bill. 
They cashed a check on XX/XX/19 {$100.00} and an additional one on XX/XX/19 {$100.00}. Received a notice in the mail telling me I was sent to collections ( Century Financial Services ) for a past due balance of {$100.00} but they actually owe me {$100.00}!!!! 
Century Financial insists I owe {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law.These accounts must be investigated and updated 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. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXXXXXX 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 2021-09-13
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:
For years. I have been asking for the permissible permission used to access my credit report in XX/XX/2017 by Experian for XXXX XXXX XXXX XXXX / XXXX  XXXX. I have yet to receive.

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 2023-03-04
Company: Continental Finance Company, LLC
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I paid off my credit card in XXXX and even LITERALLY chopped their card in half and at my expense sent it back to XXXX in Delaware. The rate 33 % and they just charged me {$100.00} for new years- my resolution is/was to close so i scrimped and saved and paid IT OFF. Then last night i get an email stating my card was used. 
I called FOUR TIMES and the third and final call on XXXX i was put on hold for over ten minutes. They maybe realized that i have no card so saying i used it is an impossibility. I called and did my due diligence yet they continue this chirade. 
i spoke with XXXX XXXX XXXX XXXX and a supervisor i did not write the name down however i have taken a screen shot of all my lost time over THEIR NEGLIGENCE!

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: OPORTUN FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company is reporting past due payment and amount is higher than amount owe. and also reporting incorrect if account is a charge off why are they still reporting past due payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: ONEMAIN FINANCE CORPORATION
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
One Main Financial XXXX, TN Personal loan This company was emailed and called about loan being late less than thirty days. 
One main employees have called over 5 times a day from various numbers and various locations. 
The employees degrade and talk disrespectful. One Main refused to be kind once I refused a deferment, versus a late fee.

One Main has started to call our employment on an account less than thirty days late and after we contacted One Main several times to STOP CALLING.

One Main employees are harrasing this loan because they want their numbers to be down, treating people horrific, even lying about credit reporting. 
One Main XXXX, TN is violating Federal harrasment laws.

Calling repeatedly and calling employer after cease was emailed to Supervisor of One Main several different dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Broward Adjustment Services
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Social Security : XXXX Email : XXXX Reasons : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX  Account Number : XXXX Date Filed : XX/XX/XXXX Type of Account : AUTO LOAN Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Reason : THIS IS INACCURATE Account Name : XXXX, XXXX Account Number : XXXX DATE : XX/XX/XXXX Type of Account : AUTO LOAN Address : XXXX XXXX XXXX, NH XXXX XXXX Reason : THIS IS INACCURATE Date Filed : XX/XX/XXXX Account name : BROWARDADJUS Account number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, fl XXXX phone : XXXX Reason : THIS IS INACCURATE Account Name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, ia XXXX phone : XXXX Reason : THIS IS INACCURATE INQUIRY NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX  DATE : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
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:
I reviewed my Consumer Reports and noticed that I had late payments on the accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$360.00} XXXX XXXX Balance Owed : {$350000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX, and XXXX XXXX  XXXX have 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 an 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 non-monetary relief
Consumer complaint received 2021-11-16
Company: Granite Edvance Corporation
State: CA
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:
On XX/XX/XXXX, I made a {$10000.00} payment to Granite State Management, my student loan servicer. The next day, my loan servicer changed to XXXX. The {$10000.00} payment was pending and I called Granite State to confirm that it could take 2 weeks for the balance to update. Now, 2 weeks later, I have access to my XXXX account but the {$10000.00} has never appeared. It is missing from my bank account. It is no longer on my GSMR payments history. My money has seemingly disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

CHRYSLER CAPITAL is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Ive tried to have any fraud alerts including extended fraud alerts removed from my credit reports but all three CRAs havent removed anything. I also asked that the Personal Statement be deleted as well because I never asked that any personal statements be listed on my reports. Ive received confirmations that things are removed but when I try to verify a fraud alert was removed it had been turned into and extended alert. Ill include confirmation images below. Ive contacted all over the phone as well as electronically.

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 2020-01-24
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am currently enrolled at XXXX University in a XXXX  program. I have been continuously enrolled as a full or part-time student since XXXX. I do not anticipate graduation until XXXX. 

Navient is currently servicing 2 different loans. When I started at XXXX, they received the clearinghouse  information and placed my loans on in-school deferment. 

My status has not changed since XXXX. 

Inexplicably, Navient has removed my in-school deferment and XXXX status and is actively attempting to collect the debt and induce a default. They are ignoring my written communications and ignoring the XXXX University clearinghouse  data, which I verified with the registrar as reflecting my status as fully-enrolled in this semester and every semester with no breaks since XXXX. 

Navient needs to comply with Federal law, acknowledge the clearinghouse  information, and return my status to in-school deferment. 

Otherwise, we're considering Navient 's actions as a willful breach of the terms and conditions of the loan and a violation of Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04
Company: WESTERN UNION COMPANY, THE
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX. Someone from XXXX hacked into my western union account and sent from my bank XXXX. By the time I got email about it person picked up money. Then I get a receipt sent to me from someone who used western union to send me XXXX back from XXXX, unfortunately western union has no record with that tracking number. I immediately after each incident called western union and or my bank. 
Western union response was to send them documentation of both transactions to start investigating. 
Unfortunately because stolen money was picked up I could n't cancel transaction for refund and other transaction nothing but apology. 
My bank on first fraudulent transaction could n't stop payment because used my card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 to any 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 non-monetary relief
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My car was broken into and my wallet got stolen with all my personal information. I contacted the credit agencies to inform them of incorrect and fraudulent information i noticed on my consumer report but they are still reporting these fraudulent accounts and addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I checked my Experian report, it shows that I made late payment to XXXX XXXX XXXX Visa credit card back in XX/XX/2019. I called XXXX XXXX XXXX XXXX visa card to inquire about it many times. They told me that is incorrect. There is no late payment and my account is up to date, credit card is still open and in good standing. I filed a dispute against that information with Experian, but they didn't remove the late payment information from their database. As a result, other credit bureaus such as XXXX  and XXXX   picked up this from Experian and are reporting this incorrect or false information. I have never been late in payments

with any creditor and this incorrect late payment information is hurting my credit report, my score and everything. I can't get employment, rent apartment or apply for loan due to the this one negative item on my credit report

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: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} 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 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 to any consumer reporting agency of 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 2022-10-20
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX {$0.00} 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 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 to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation