BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: Gatestone & Co. International Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Beginning XXXX of 2020, I was contacted by a debt collector about my XXXX bill. I signed up for a payment plan and have made monthly payments without interruption for 2 years. I have foybd out the company is not part of XXXX XXXX but a separate debt collector ( Gatestone ). They have so far collected ( {$4300.00} ) which is MORE than the amount I owed XXXX ( {$3700.00} ). I have been unable to reach anyone at XXXX despite phoning every hour for days on end and weeks on end. Additionally, they have in the past taken more than the agreed amount and many, many times days before the scheduled payment date. I see the on time payments have NEVER been reported and show negatively on my credit report. I would like my score to reflect the two years of on time payments. I also am afraid I am being defrauded by a company that pretends to be XXXX and then is not able to be contacted. At this point, I do not know what they are doing with my money.

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 2022-11-18
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:
On XX/XX/XXXX I submitted a complaint to the XXXX and it was a reference to inquiries that have been reported on my credit report in accurately as well as accounts that are negatively impacting my credit profile. There are over XXXX to XXXX inquiries that have been reported to my credit profile that needs to be removed. I have submitted multiple complaints to all credit bureaus, and the situation seems to not be resolved. This is unfairly affecting me and my financials credit score and needs to be resolved as soon as possible.

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 2018-10-09
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hi, I have worked in public service consistently since I graduated from graduate school in XX/XX/2006, either at a 501c3 organization or the federal government. This SHOULD qualify me for forgiveness, but alas I refinanced my student loan a number of years ago with XXXX who have since sold my loan and it is now housed with Navient. It was never explained to me that I'd be giving up my right to loan forgiveness, and now I'm out thousands upon thousands of dollars. I have called Navient and asked about potential forgiveness and was completely rebuffed. 

I know that there is a lawsuit happening against Navient right now, but is there anything else I can do? 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Troy Capital, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A lien has been placed on our home by Troy CapitalXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , NV XXXX, ( XXXX ) for someone else 's debt. The lien is for {$1100.00} in the name of XXXX. The loan was originally turned over to XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, PA XXXX ( XXXX ) The company admitted to me that the Social Security Numbers for the name do not match, yet they can not remove the lien. 
I am not responsible for this debt. Another person with the same name is. My bank is refusing to process a loan for me for this reason. Help!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from an attorney office, a debt collector, regarding an account closed 15 years ago, an auto lease that was returned when the lease was terminated. CASE NO FILE XXXX. XXXX XXXX XXXX XXXX XXXX as XXXX XXXX XXXX, XXXX Attorney XXXX XXXX XXXX XXXX. # XXXX XXXX Fl XXXX XXXX. 
A letter showing as a Subpoena Duces Tecum, I contacted this office to find out a little more about this own deb. The person I spoke with was vulgar and starting to treat never acknowledge that this was an attempt to collect a debt, and any information will be used again. Starting treating me that this was an old account for some services and because it is so old the original balance from {$300.00} is now over {$18000.00} and, they are going to do anything in their possible legal way to take things that I own treating to come to my house and take my stuff away. I explained that I currently own a car that now we are making payment on that car with Nissan Motor acceptance financial, and the account is in good status and is open. He started asking me for personal information about what I own in my name. When I refuse to provide that information, he treats me again by taking me to jail or court for a judgment. I told him I know the law and what he was saying was illegal. I requested no to be contacted since I'm no longer live at the address they sent this letter ; I also requested no to be contacted and advised that I will be filling this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Security Credit Services, LLC
State: MA
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 response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received an offer in the mail to settle my Capital One Account. I contacted the collection company and spoke with a Supervisor with the collection company and Capital One who advised that if I paid the account off the same day for the agreed upon amount that both the collection company and Capital One would totally remove the debt from my account as a good faith removal. I paid the agreed upon amount and received a receipt. However, Capital One has not held up their end of the bargain. It was not beneficial to pay the debt for the charge to remain on my credit as this is still destroying my credit. I reached out to Capital One and even sent a letter to them regarding this reporting still showing on my credit ; to date they have not been responsive. Any assistance you can provide to ensure Capital One is being held accountable for what they told me would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
3 years ago I suffered a theft of financial data by a XXXX employee, when I discovered this I ordered a free on credit, we had several fraudulent transactions as a result of this theft. The freeze tht I ordered was suposed to have been permanent. However on XXXX XXXX this year a purchase was made and finance was done through XXXX XXXX in XXXX GA I was never consulted about unlocking my freezer nor have I unlocked it for any purpose since freezing it. XXXX is unresponsive to hone calls, and now it has given my information to another set of criminals without my consent. 
I would like to have my information removed from their database, period as it is not safe. 
They have been irresponsible and reckless with my finacial information, and are freely giving credit in my name to whom ever requests it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: CAINE & WEINER COMPANY, INC.
State: AP
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hi, I started a company ( XXXX XXXX XXXX ) with the help of XXXX in late 2015. I quickly realized that the business was not sustainable due to high electric and water costs. Contacted XXXX to stop my service and mentioned I had dissolved my company because I couldnt afford to keep it running. I only had the business for one season and never sold an item. However I paid XXXX for two years of fee because I wasnt monitoring my credit card and was on a mobilization to XXXX. XXXX have repeated contact me to pay my renewal fee and I keep telling them that I dont have a business and isnt even in the states anymore. Ive PCSed to XXXX for over a year now and since they werent able to collect from me anymore, they have submitted my name to a collection agency ( Caine & Weiner ). 

Caine & Weiner XXXX XXXX XXXX. 
XXXX, TX XXXX Phone : ( XXXX ) XXXX Website : XXXX Email : XXXX Can you please help me? This is clearly fraudent actions. How can XXXX continue to try and charge me when I dont even have a business and have been out of the country for a while now. And how its so easy to submit anyones name to a collection agency?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below for my XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-21
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX  and XXXX was the only one / were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I was one of the millions of people whose identity may have been compromised by the Equifax breach. As a result, I was given free credit protection through XXXX XXXX, a division of Equifax. Today, I received a text from them asking me to contact them immediately regarding " activity needing my attention ''. They gave their web address and a phone number. I first went to the web and they are having problems with the site and appreciate my patience. I then called the phone number provided and got a busy signal on three attempts. When I finally got through, I was left on hold for 15 minutes and then disconnected. 

This " free '' service that Equifax provided is worth exactly what I paid for it ... ..nothing! They need to offer consumers whose data was compromised a credit monitoring service that works, like XXXX and pay for each consumer 's membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-19
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:
XX/XX/2022, I reached out to the courthouse and asking do the company report bankruptcies and if so to whom. The response that I got from multiple communications was that they don't report bankruptcies to anyone or any agencies. So if that is the case, how did the credit bureaus edify my bankruptcy as a XXXX XXXX  accurate? They never did a investigation as to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtain through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly form a creditor of the consumer or from the consumer. 

They also violated my rights numerous of times. The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

According to : 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, According to : 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 explanation
Consumer complaint received 2018-07-21
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I called XXXX XXXX To settle a charge off of XXXX XXXX ( Current servicer : resurgent capital services LP On XX/XX/XXXX I spoke with an agent requested a payoff settlement amount they approve me for two {$250.00} Took my money over the phone And said it was settled and that within 30 to 40 days I would see a difference on my credit report. 

( ( ( XXXX smart connect Acct Number # XXXX XXXX XXXX XXXX   {$850.00} They agreed to take a settlement amount of {$250.00} In cash Transaction XXXX Settled as agreed!!!! 
30-45 days updated on Credit report XXXX XX/XX/18 PAID Confirmation # XXXX PAID!!!! 
RCAP / RCS processed ) ) ) Then a letter dated XX/XX/XXXX was received at my house on XX/XX/XXXX REF : XXXX stating I still owe {$600.00} whereby The Agent LIED To deceive me!!!! Not OK

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Experian Information Solutions Inc.
State: MO
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:
Please remove the following accounts from my credit file, I do not owe this company nor have I have any contract with them. Please remove, XXXX {$940.00}

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 2018-07-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have an incorrect address on my credit report : XXXX XXXX XXXX, XXXX XXXX CA XXXX that is associated with a fraudulent account from XXXX XXXX XXXX ( on behalf of XXXX ) that also appears on my credit report with a balance overdue of {$310.00}. 

I have contact XXXX, alerted XXXX XXXX XXXX, and filed a dispute with XXXX. I also filed a complaint with the FTC, which I have attempted several times to upload to the XXXX website per their request, but it keeps crashing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-21
Company: Southwest Credit Systems, L.P.
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: Personal information incorrect

Complaint:
I have an incorrect address on my credit report : XXXX XXXX XXXX, XXXX XXXX CA XXXX that is associated with a fraudulent account from XXXX XXXX XXXX ( on behalf of XXXX ) that also appears on my credit report with a balance overdue of {$310.00}. 

I have contact XXXX, alerted XXXX XXXX XXXX, and filed a dispute with XXXX. I also filed a complaint with the FTC, which I have attempted several times to upload to the XXXX  website per their request, but it keeps crashing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
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: Personal information incorrect

Complaint:
I have an incorrect address on my credit report : XXXX XXXX XXXX, XXXX XXXX CA XXXX that is associated with a fraudulent account from XXXX XXXX XXXX ( on behalf of XXXX ) that also appears on my credit report with a balance overdue of {$310.00}. 

I have contact XXXX, alerted XXXX XXXX XXXX, and filed a dispute with Experian. I also filed a complaint with the FTC, which I have attempted several times to upload to the Experian website per their request, but it keeps crashing.

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 2023-04-02
Company: Eastern Account Systems of Connecticut, Inc.
State: IL
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 EASTERN ACCOUNT SYSTEM,, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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