BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-24
Company: E & C Finace Company Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My legal name is XXXX XXXX I currently reside at XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. I am demanding that the following account listed below be removed from my credit file as it is fraudulent & inaccurate. The credit reporting agency XXXX  faced a global security breach, resulting in millions of consumers personal information being exposed. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area, to file suit against your company for reporting this fraudulent account to my XXXX, XXXX, and XXXX  credit reports. If you do not immediately remove these inaccurate and incomplete accounts in 1 business day, I will move forward with filing suit against your company and all companies involved, as I have never done business with your organization and should not be responsible for any fraudulent accounts and information placed on my personal credit files as a result of identity theft. Over 60 days ago, I requested full debt validation from your company however I have yet to receive the legal information requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I don't normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. These account was removed from XXXX  and XXXX  but Transunion still haven't removed it. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted them regarding this and i was told to get an FTC 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 2021-06-22
Company: Navient Solutions, LLC.
State: MA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient is repeatedly calling my employer, past employers, extended family, friends, acquaintances, and friends of extended family revealing the status of my loan and my private information to numerous parties each day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Today, I was checking my credit report on XXXX XXXX and noticed that Equifax has lowered my credit score by 97 points, lowering my credit from good to fair. There was no reason given why my score was lowered and there was nothing new or added recently. Equifax has done this in the past as well and raised my score when are questioned. 

Equifax has 3 closed accounts on my credit report that are all over 10 years old including 2 XXXX XXXX credit cards and a XXXXXXXX XXXX credit card. Under the Fair Credit Reporting Act, these accounts should have been removed after 10 years. XXXX  has none of these accounts listed on my credit report and XXXX has 1 XXXXXXXX XXXX account listed. These accounts should not be listed on my Equifax credit report and is not only, negatively affecting my credit score, but is against the law as well. 

I have tried to dispute this information with Equifax, however it does not appear in their items to dispute. Again, that is also against the law. A consumer has the right to dispute items on their credit report. I also have a letter from XXXXXXXX XXXX, which states they have not been reporting this account to any credit reporting agencies, so who is reporting this informTion, because it is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
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:
I AM A VICTIM OF IDENTITY THEFT. MY INFO WAS USED TO FRAUDULENTLY OBTAIN GOODS IN MY NAME. PLEASE BLOCK ALL FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I HAVE CIRCLED ALL FRAUDULENT CHARGES ON MY CREDIT REPORT. MY INFO WAS ALSO LOST IN THE XXXX  BREACH. I AM AN ESSENTIAL WORKER AND MY LIFE HAS ALREADY BEEN DRAMATICALLY IMPACTED BY COVID-19. I WOULD GREATLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS ISSUE. 

XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXXXXXX 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 2018-10-10
Company: SRA Associates, Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I leased a new XXXX XXXX, and i purchased GAP Coverage through XXXX XXXX XXXX XXXX. In XX/XX/XXXX, the XXXX was totaled as a consequence of being struck by a truck on the XXXX XXXX. The truckers carrier, XXXX XXXX XXXX XXXX. XXXX, ( XXXX XXXX XXXX ), accepted full responsibility for the accident and negotiated  a settlement with XXXX XXXX XXXX - which XXXX accepted. I had nothing ot do with the negotiation. XXXX financial devised me that the settlement - $ XXXX didnt cover The amount due XXXX the lease and th at I still owed {$5200.00}. I submitted the claim to XXXX XXXX XXXX for GAP Coverage. IN XX/XX/XXXX, XXXX XXXX XXXX advised me that I had to submit a report justifying XXXX, s acceptance of {$30000.00} in settlement f the claim, This Request, though patently ridiculous, was nonetheless passed on to XXXX XXXX XXXX an d it then repeatedly sent to XXXX all the documents it had regarding the settlement. XXXX repeatedly said that. The reports were insufficient, but failed t address th e insufficiency, After a while, XXXX elected to stop trying t collect from its own subsidiary XXXX then reported that I was a delinquent debtor under the lease and that it had referred the matter ot collections. When I protested this, it then reported that it had charged off the debt and thereby damaged my credit. 
Its. Actions were vindictive, wrong and ignored my GAP Coverage fr XXXX  I had overpaid at the time I firs leased the vehicle. Thy have persisted in this stance sinceXXXX and ave refused t o properly secure payment from their own subsidiary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This letter is being sent in response to notices sent to me from these companies and more importantly, due to their erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please show proof of accounts and verification trail and notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: UT
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 XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX # 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 instruction

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 2020-08-24
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:
Transunion has a fraud alert on my credit report without my phone number. This is causing me harm in getting extended credit when an organization is using this private credit reporting company as a verification point of my credit background. 

Furthermore, I have sent notifications to remove this as it was not an alert that I asked for or wanted on my credit reporting monitoring that this private company participates in. 

Upon my last demand to remove this erroneous fraud alert and or rectify their error of not having my phone number attached to my report so as to ensure organizations wanting to verify my identity can do so - I was met with a letter from TransUnion demanding a " proof request to remove fraud alert '' They are asking me to send them personal information of my current address, social security number, and date of birth but have provided no way to do this that protects my identity and this information - they are requiring that this is sent via the mail where any of this information in tandem could cause a breach of my personal information. 

My doctor 's office has to hold standards for privacy why wouldn't a private company that is holding my hostage of their interpretation of my credit not also be held to standards to keep my personal information private and provide acceptable options to send this information ( via portal, online, application ) to ensure it is held securely. 

Lastly, they want a payment of {$9.00} to remove this fraud alert from my credit report that they placed incorrectly. I want this removed immediately PERIOD - if they want further verification and/or validation of my identity they need to provide me a secure link, portal or option that does NOT require me to send my address, social security, and date of birth via the mail system - that is NOT secure.

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 2018-10-10
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX mailed a letter stating I owe XXXX on a past due account from Barclay Bank of Delaware. Acct ending in XXXX. Date of last payment XXXX. Charge off XXXX. According to XXXX credit report, this account was opened on XXXX, legally paid in full for less than the full balance. Status was updated on XX/XX/XXXX with credit limit of XXXX. On XXXX report, it shows credit limit of XXXX, high balance of XXXX, and paid in settlement, account paid in full for less than full balance with XXXX written off. Date opened XX/XX/XXXX ; date of status XX/XX/XXXX. On XXXX report it shows high balance of XXXX with credit limit of XXXX. Shows as charged off. Last payment made was XXXX ; date updated XXXX. Account was sold to another lender. 

Now XXXX is asking for payment on this debt that was settled in full according to 2 credit bureaus. They have called my cell number 2 to 3 times daily with a disguised phone number to try and get funds out of me. 

I was willing to work out a settlement offer as trying to clean up the credit reports, however, this is inexcusable being this debt has already been paid and none of the numbers add up correctly for what they are claiming.

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 2020-09-05
Company: Experian Information Solutions Inc.
State: IL
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:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.

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 2018-08-02
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have reached out to the company on several occasions advising them I was a victim of a crime and provided the company with the Attorney General Office- Bureau of Victim COmpensation for ref : Bureau of Victim COmpensation XXXX , XXXX XXXX XXXXXXXX , FL XXXX Victim : XXXX XXXX XXXX ( self ) BVC Analyst : XXXX XXXX Claim number : XXXX XXXX Crime Date : XX/XX/XXXX this company has yet to remove this report from my credit file. my most recent attempt in XX/XX/XXXX for them to remove the inaccuracy has been ignored

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a student loan with Wells Fargo until they recently switched to XXXX XXXX. They inaccurately reported that I was past due over {$10000.00} resulting in my credit score dropping 50 points over night. They were sending past due notices to the incorrect address as well as had my name incorrect. I randomly picked up the phone XXXX day from a XXXX number and found out I was past due on my account even though I was in forbearance due to Covid-19. I immediately made a payment so they wouldnt send me to collections. I then made a second payment, bringing my last due amount to around {$300.00}. I called and asked if I could wait to make a payment since they no longer owned my loan. I didnt feel right paying them when I would be paying a new company 2 days later. That night, I received a notification that they said I was past due {$10000.00}. Its completely inaccurate and they refuse to change it, even though they dont even own my loan anymore. They tacked on several late fees all without my knowledge. They said they attempted to contact me but I received nothing. I asked for address and name updates, all of which they said they did and I still received nothing to indicate I was past due. It has ruined me financially and they refuse to work with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/19 a company did a hard inquiry on my credit that I did not know about. I called Synchrony Bank in late XXXX, or early XXXX, asking them to remove the unsolicited inquiry. They told me they're not part of Paypal 'yet ' so they claim they did not do the hard inquiry even though both of their names are on this inquiry. I can not get through to Paypal to see if they can remove the inquiry or to explain what it is. Some credit reports show Syncb/ppc & others show Paypal via Syncbpaypa. The address is XXXX. XXXX XXXX - XXXX, MD 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 2020-08-24
Company: ARS National Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received a threatening phone call from someone claiming they were a collection for a personal loan that I had with XXXX. They called me, and several relatives and threatened legal action and a call to my supervisor at work if I did not respond that day. I called them back at XXXX and asked the name of their company to which they claim to be National based out of XXXX Georgia, they would not give me an address. They forced me to make a payment that day and to enter into an agreement to pay them bi-weekly in the amount of {$480.00}, if I did not agree they would proceed with legal proceedings and I would be responsible for {$15000.00} instead of {$7300.00}. When I asked for a written validation notice stating they are the owners of the debt they told me to call back in a day as they are a proceedings office not a debt collector and they needed time to get me the letter. Then when I called back on XX/XX/XXXX they said that they can not give me anything in writing until I pay in full due to " specific performance law ''. When I asked for written proof or a statement I was asked " well why did you agree to it and it was your responsibility to pay ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Affirm Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Affirm Inc is the company I paid on a course to take the XXXX but decided to go a different direction. I was paying a head of schedule so I called the company and they said that it would be taken care of. I was supposed to get my money back that I paid in but that did not happen. To make things worse, they have tried to say I have not paid my debt and I am tired of dealing with them. If you look at my credit, you will find that I pay my bills. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Peer Advisors, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Estate of XXXX XXXX XXXX -- -We sent CeLink the attached package on XX/XX/20. They have now cancelled out the entire short sale file stating their value expired XX/XX/20. We sent the file to them AFTER the value expired yet they are refusing to order a new value unless we RESUBMIT AGAIN THE ENTIRE FILE? -- -- -- -- -- Do they not understand how this short sale process works? -- -- - It seems as though CeLink is up to their fraudulent ways again. When is this going to stop?? We have to file a CFPB Complaint ON EVERY FILE WE HAVE WITH CELINK DUE TO THEIR INCOMPETENCE AND FRAUD. 

-- -- -- -- I want the valuation ordered -- - AS PER USUAL IN A SHORT SALE -- -and for this purposeful DEFRAUDING AND INCOMPETENCE from CeLink to STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted all three credit reporting agencies about the accounts reporting in error on my report. I have spoken directly with the creditors as well and they will not fix these problems and it is very sad because I am unable to move on with my life. Please help me to remove these items! These accounts are mine and I have submitted an identity theft report as well. The accounts that are reporting that are not mine are, XXXX XXXX XXXX XXXX XXXX XXXX ( Reporting twice ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do n't even have a car!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX /Reporting 11 times! I paid for my education, never received any financial aid! XXXX XXXX A Public Record filed with a reference number XXXX I have spoken to all 3 Agencies, I 'm not being helped as I should be! I will not rest until these accounts are removed, this should be illegal!

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 2020-05-12
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:
XXXX XXXX XXXX XX/XX/XXXX ; Balance- {$5200.00} ( This was opened fraudulently while I was in college. It comes off in XX/XX/XXXX but Im asking for this fraud account to be deleted now. Ive been living with for almost 7 years. ) XXXX XXXX XXXX XXXX XX/XX/XXXX ; Balance- {$370.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX ; Balance- {$390.00} Fair Collections and Out XX/XX/XXXX ; Balance- {$3400.00} XXXX XXXX XXXX {$350.00}

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 2021-09-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation