BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$2900.00} XXXX XXXX {$320.00} XXXX XXXX   XXXX {$3900.00} XXXX XXXX XXXX {$6000.00} XXXX XXXX {$20000.00} XXXX XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$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 explanation
Consumer complaint received 2019-04-02
Company: EQUIFAX, INC.
State: MA
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:
On XX/XX/2017 a family member got my information and applied for {$20.00} a personal loans from XXXX XXXX XXXX. On XX/XX/2017 I discover the fraudulent account and contact XXXX with my concern with a police report as well, they refused to clean my name and prosecute the fraudulent. I am a XXXX  woman who always manages my debt online and never call any company and for the past 2 1/2 years I never make that money and put myself in anything I can not handle because I am not fluently in speaking for the deaf part but good at writing or reading. Soon I discovered what happens, contact XXXX XXXX XXXX for clarification the refuse to believe me even I sent the police report and the bad part they put the funds in a bank account I didnt have access before I even know. Like I said I suggest anyone never get anything from XXXX, stays away believe me stay away because the give the money away without contacting me first. I am dealing with XXXX because at that time working as a bus assistant making {$320.00} or XXXX with XXXX kids I will ever ever put myself in that situation. I didnt know what to do the keep sending paper in my address, mess up my credit.XXXX have to released the phone records make with the fraudulent to see if I am responsible and I am sure they will find the answer if the want to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Suttell, Hammer & White, P.S
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been paying from XX/XX/XXXXeach month towards the settlement amount. Today, I called them to verify how much balance is left towards the settlement amount. They said I broke the settlement by missing the payment inXX/XX/XXXX. I checked with my bank account and verified it was paid. Then I called them to inform this and this time they said it was XX/XX/XXXX payment I missed. Again, I checked with my bank and it was paid. Every month it was paid and never missed a payment. I have the proof from my bank it was cashed each month. They never sent me statements to reflect the balance. I need this to be resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
As of XX/XX/XXXX, I have been continuously trying to resolve my son 's identity and fraudulent account. I repeatedly tell them on the phone that my son is XXXX as of now and the account was opened when he was probably XXXX. He was born in XX/XX/XXXX, not XX/XX/XXXX like they have stated. The person who stole his identity is incarcerated for running a identity theft scamXXXX XXXX XXXX XXXX XXXX. the original creditor has summoned XXXX XXXX XXXX and they are unbearable, rude and will not stop calling, sending threatening letters to a minor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Conn's, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I bought 2 televisions and a sofa and loveseat from Conns almost 2 years ago, and financed through Conns credit. 
The couch, which supposedly has a 2 year warranty is coming apart from the inside ... literally breaking apart. 
I followed Conns instructions for getting the sofa repaired, including sending pictures, and was informed that I needed to send copies of the original purchase agreement to process. Unfortunately, I dont have the original agreement any more. 
I am withholding payments on my account until this is rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 Today, I decided to look at my updated credit report and noticed that they were 4 hard inquiries that I never authorized or have knowledge of. I ask that these inquiries be properly investigated and I also want to receive a copy of proof of how these inquiries were verified. I never gave these companies permission to view my credit report. I 'm also aware that according to my FCRA rights, inaccurate information is n't allowed to be on my credit report. I DEMAND that these inquiries are REMOVED immediately. The inquiries are : XXXX- XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX XXXX XXXX- XXXX/XXXX/XXXX XXXX XXXX- XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$2900.00} XXXX XXXX {$320.00} XXXX XXXX   XXXX {$3900.00} XXXX XXXX XXXX {$6000.00} XXXX XXXX {$20000.00} XXXX XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$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 explanation
Consumer complaint received 2017-12-03
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX XXXX, my wife and I discovered that our social security numbers were used to submit fraudulent income tax to the IRS. Subsequently, we were notified by the IRS that our social security numbers had been compromised. This ( tax fraud using our social security numbers ) continued for subsequent XXXX & XXXX tax years. 

Hence, we submitted all the required and necessary documents to the three credit bureaus ( ie. XXXX, XXXX, and Experian ) and requested for them to place a security freeze on our credit accounts in XXXX XXXX. XXXX and XXXX immediately complied, however, Experian did not. 

Subsequently, I resubmitted my request along with the necessary documentations two more times in XXXX and XXXX of XXXX. Unfortunately, each time Experian continued to deny my request even though it approved my wife 's security freeze request on the third attempt. Instead, they placed a 7-year fraud alert on my account. 

Experian claimed that they were unable to honor my request for security freeze because I " did not meet ( their ) criteria for a valid identity theft report ''. I am puzzled with their response when my social security number ( ie. tax id number ) was clearly compromised.

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 2022-08-08
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXXXXXX Date Filed : XX/XX/2019 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Have sent letters to the three credit bureaus regarding the reporting of a a chapter XXXX bankruptcy that they are reporting that they state has been verified by XXXX only XXXX is not reporting a chapter XXXX bankruptcy on their credit report. I've requested a letter from XXXX twice to show this and they have sent me my credit report which does not show a chapter XXXX, it only shows a chapter XXXX which is dismissed and has been removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Messerli & Kramer P.A.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back at around 2002 I noticed amount on my card that I didn't recognize, a coworker at the time ( XXXX XXXX ) referred me to a guy ( XXXX XXXX ) that was helping him with something similar. A few days later he show at my home claiming to be affiliated with the XXXX XXXXnd after gaining my trust he left my place with lots of personal information and multiple documents to supposedly help me out. Time went by and I started getting more and more letters of me owning stuff but I after m telling them it wasn't me some will stop. Others didn't but nobody ever took money from me till now. Now I being garnish by a firm Messerli/Kramer and I don't know what to do. 20 % every week for something I didn't do seems terrible. At this time I even canceled XXXX and not looking forward to XXXX. Not sure what to do now?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried numerous times to reach Experian by phone to resolve a credit freeze and fraud alert that is preventing me from starting my retirement benefits through Social Security Services. 

They do not provide the option to speak to someone like XXXX and XXXX do, they already resolved the issue for me on their systems. 

Experian wants me to send a form with copies of ids that would make me vulnerable if anyone got a hold of all that information connected to a form they want me to download from their website and mail in or fax in. I don't trust sending private information this is not safe.

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 2018-04-17
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This has been an ongoing issue with XXXX  XXXX XXXX. They keep sending this account to different collection agencies, XXXX XXXX, then, XXXX XXXX and now Rubin & Rothman, LLC.Sent letters in XXXX, XX/XX/XXXX, In XXXX sent letters in XXXX and XXXX to validate my dispute of the amount of {$19000.00}. Failed to provide me with a copy of any viable evidence bearing my signature. Requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Requested " validation '' that is competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports including XXXX, XXXX  and XXXX from your company or any company that you represent for a debt that I don't owe is a violation of the FCRA & FDCA therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. It is a violation for : Defamation, Negligent Enablement of Identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Furthermore, XXXX XXXX and XXXX XXXX were sent certified letters in XXXX and XX/XX/XXXX and did not respond in a timely manner to my initial letters which violated Federal law. In XXXX v. XXXX XXXX XXXX. No XXXX ( C.D. Cal XX/XX/XXXX ), they can be liable for willful non-compliance. By violating federal law, by not properly investigating with the required timeframe, and I have the evidence of such, via certified mail receipts, the item must now be removed.

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 2018-03-28
Company: ALLY FINANCIAL INC.
State: WI
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:
An account with XXXX was opened by a family member without my authorization. This family member had access to all of my financial and personal information. I worked closely with XXXX XXXX the CFPB, the FTC, the 3 main credit bureaus and XXXX XXXX XXXX ( the collection agency that bought the account ) FOR MANY MONTHS to resolve the account.

The creditor, the collection agency concluded the account was a result of identity theft and thus all collection activity stopped. After further review, the charges with ALLY Bank were a result of unauthorized payments made to the fraudulent account with XXXX. As evidence of my claims please review the attached documents.

As the CEO of an investment and acquisition conglomerate, I do not have the luxury of time for this matter to be corrected. The erroneous entry on my credit report is interfering with my ability to fulfill my role with my employer and thus threatening my job stability. A core function of my job is to secure financing for the corporation 's acquisitions. This often requires a personal guarantee. Recently, a denial of access to a necessary bank account has transpired due to this erroneous entry. I am currently losing bonuses due to my inability to gain access to the account with 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 monetary relief
Consumer complaint received 2020-08-28
Company: The CMI Group, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: JPMORGAN CHASE & CO.
State: TX
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 the consumer declare that in XXXX XXXX that I pulled my credit report from the three major credit reporting bureaus and noticed Chase and XXXX accounts and hard inquiries ( XXXX, XXXX XXXX, XXXX & XXXX XXXX XXXX ) I did not open or recognize and did not authorize and origination dates that are clearly erroneous. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services- or for any other purpose. Neither did I receive any money, goods, services, or other benefits. I have cooperated with law enforcement by providing all information I had regarding these fraudulent activities as my personal information was stolen. Someone has been using my personal information without my knowledge or permission since XXXX. I have filed a complaint with the Federal Trade Commission since Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights by sharing my information with businesses without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: Santander Consumer USA Holdings 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: Investigation took more than 30 days

Complaint:
Santander has been reporting this auto loan to my credit files since XX/XX/2013. It has now been 7 years and I gave the car back to them. But they still reported my account 30 days for the last 7 years. It is supposed to be deleted from my credit report. But they aren't deleting it. They will find some excuse for why its still being reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: TD BANK US HOLDING COMPANY
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:
XXXX 's client XXXX XXXX XXXX is an identity theft victim. His information was used without his consent to apply for several credit cards. While those applications were not successful the inquires from the applications were made into his credit reports. A formal dispute of those applications and inquiries were submitted however no confirmation of deletion of those inquiries has been received from one bank. TD Bank has failed to comply with FCRA law and has not replied to the victim with regard to removing the inquiry from the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is an item listed which is past the statute and unverifiable and needs to be removed off of my personal credit file. Please help as I tried to resolve the issue and no outcome Account listed is XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
Company: Nelnet, Inc.
State: MA
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 called Nelnet, to discuss my options related to Covid-19 deferrals. When I spoke to the representative, he told me that my loan was not held by the Federal Government so I did not qualify for the federal student loan deferral program. He then explained that Nelnet had a separate program for private borrowers. The program terms were the following : 1 ) three month pause in payments 2 ) no change in " borrower incentives '' on interest rates 3 ) interest would accrue at the same rate, including the borrower incentives, even though no payments were being made.

4 ) Payments resume XX/XX/XXXX at the same rate as before. 

I agreed to the deferment on the terms as I have outlined them above. 

Today, I received notice that my borrower incentives were removed from my account. When I called the lender to discuss this, I was told that I could either withdraw from the deferral program or pay the higher interest rate. I explained that the employee promised me several times that my interest rate and borrower incentives would not change, and that I would not have agreed to the program if the rates increased. Nelnet refused to change my interest rate or add my incentives back onto the account unless I agreed to exit the forbearance program. 

Given that we are in the midst of a global pandemic, my family has faced several additional costs. I have already allocated the money that was to be paid to Nelnet to other sources. All I am asking Nelnet to do is to stick to their original promise. To do otherwise is deceptive, dishonest, and should be illegal.

Company response to consumer: Closed with explanation