BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-13
Company: Global Credit & Collection Corporation
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Daily phone calls/message about unknown collection. Garbled message, does not ans2er return calls. Very common robocall, even uses your name. Many have the same experience from XXXX. Aparantly originates from check cashing at casinos.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Conduent Incorporated
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX XXXX a representative, " XXXX XXXX XXXX '' at XXXX sold me " health Insurance '' on behalf of XXXX XXXX. Upon reviewing the policy I realised that XXXX " XXXX '' misrepresented the product that was sold to me, this was not health insurance but rather Supplemental Health insurance. I contacted the company on XX/XX/XXXX, I contacted both XXXX XXXX and XXXX XXXX and requested cancellation of the said product. The policy clearly stated that I had 30 days to cancel. I have several emails between XXXX XXXX and myself requesting this cancellation. 
On XX/XX/XXXX, I notified XXXX XXXX XXXX about this issue, and asked that my XXXX be cancelled and a new one issued to me because I did not trust this merchant. On XX/XX/XXXX a payment {$440.00} to XXXX XXXX was charged to my now cancelled card and then reversed on the same day. 
Although I did not provide XXXX XXXX or XXXX with my new card, a payment of {$440.00} was charged to my new card on XX/XX/XXXX. I did not authorise a payment on XX/XX/XXXX. 
I have disputed this with XXXX XXXX and received a letter stating that there was no error and will not be making an adjustment and I will need to speak to the merchant directly. The merchant claims they did not receive this money. 
I have attached my correspondences to all parties, XXXX, XXXX and XXXX. 

Thank you for your usual prompt attention and the great work you do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: EQUIFAX, INC.
State: TX
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 already reached out to Equifax and to XXXX XXXX and BANK XXXX XXXX and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Innovis
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, OH XXXX my SS is XXXX my DOB XXXX. I AM REQUESTING A BLOCK /FREEZE! I have had issues with unknown addresses and I have addresses on my credit the are not mine please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Experian Information Solutions Inc.
State: OH
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:
My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, OH XXXX my SS is XXXX my DOB XXXX. 
I have addresses on my credit the are not mine please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH 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 2019-08-01
Company: EQUIFAX, INC.
State: OH
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:
My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, OH XXXX my SS is XXXX my DOB XXXX. 
I have addresses on my credit the are not mine please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 items which are 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/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX DEPT OF EDXXXX XXXX Balance XXXX XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX US DEPARTMENTOF EDU Original creditor XXXX XXXX XXXX XXXX Balance XXXX XXXX US ; DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance XXXX XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX XXXX : XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance : XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance XXXX XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance : XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance : XXXX XXXX US DEPARTMENT OF EDU Original creditor XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim these items are 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 2017-07-11
Company: EQUIFAX, 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 have a lot of credit inquires that do not belong to me. I have spoken to the credit bureau and provided them with a police report and the inquiries have not been removed. The following companies and pulled my credit without my knowledge : XXXX 2017, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I would like these to be removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Usaa is holding my funds instead of crediting my account. A check from a 401k withdrawal was electronically deposited because USAA does not have regular branches in Arizona. The check was deposited on XX/XX/2020 and I called on XX/XX/2020 and asked why I didnt have my money. They said they were holding it for a week. What? This is crazy no bank holds a legitimate check issued by XXXX  floor a week. I feel Im being targeted by USAA. I should not be denied my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
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:
THE ACCOUNTS LISTED ARE FRAUDULENT AND DO NOT BELONG TO ME THESE ACCOUNTS WAS OPEN FRAUDULENTLY SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THEM I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2017-07-13
Company: Navient Solutions, LLC.
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The amount of the payment is so high, I ca n't even begin to try to repay, and when I have told navient this, they send me to forbearance and will not allow me to make payment that i could afford, and now my accrued interest is so high the only thing I can do now to get a payment I can maybe afford is to default and have it taken out of my pay check. I have been placed in forbearance since 2013 and now I have XXXX dollars accrued in interest, I want to pay, but they wo n't except what I can afford and just keep redirecting me. This has also put my credit report and score into a bad place so I can not even begin to get any help to try to reconfigure or consolidate my other loans so I could be able to pay a large payment on these. The interest on these loans is so far out there no one could begin to ever get caught up. Now I do n't know that I will ever be able to help my other son ever go to college. My son was not even able to finish getting his degree it became so expensive. I was suppose to start paying the XX/XX/XXXX like XXXX dollar payment and they changed it to XXXX prior to the first payment and now I am unable to pay them and is now in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Im submitting a complaint to inform you again I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} ; XXXX  XXXX XXXX Opened Balance XX/XX/XXXX {$4100.00} ; XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$390.00} ; XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$440.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3300.00} ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/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 2020-06-05
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax can give me no reason why they need to verify my identity before releasing an existing freeze on my credit bureau. Now I have to wait over a week to get critical access to my credit bureau causing my family significant financial hardship in the meantime.This is unacceptable to wait a week to get access to critical information to secure financing in a very trying time. They were not helpful at all to work through this situation. They should be banned from holding critical information as they have proven themselves undeserving of this important task.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: EQUIFAX, INC.
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:
Hard Credit inquiries I do not recognize on my account. Some accounts are repeating and can never dispute. Been 3 years since trying to figure it all out but no opportunity has arose. No proof of any debts been received. Credit has been dinged too many times unaurthorized and unlawfully

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: TRANSWORLD SYSTEMS INC
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:
Hard Credit inquiries I do not recognize on my account. Some accounts are repeating and can never dispute. Been 3 years since trying to figure it all out but no opportunity has arose. No proof of any debts been received. Credit has been dinged too many times unaurthorized and unlawfully

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX, XXXX XXXX, XXXX XXXX, XXXX I have provided Experian with several letters for a method of verification for a bankruptcy and accounts included to be verified. Ive mailed experian letters from the bankruptcy court and XXXX. 
I have provided physical proof in document forms.

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 2021-08-22
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: Public record information inaccurate

Complaint:
Attached is a copy United states Bankruptcy Court explaining they do not report to any of the credit bureaus. So how are you verifiying this information if the source is saying they don't report to any credit bureaus. You are reporting inaccurate information according to the Fair credit reporting act 15 usc 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

If any information is indeed inaccurate According to 15usc 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2019-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
on XX/XX/2018 Capital One denied myself, XXXX XXXX XXXX XXXX for a credit limit increase. Previously on XX/XX/2018, and XX/XX/2018, the credit limit was increased. My usage with the card is the same as previous months prior to the credit limit increase approvals in the past, Yet Capital One is stating otherwise. This is a clear violation of the ECOA. FDIC Compliance per fair lending practices section IV 1.1 states " A lender may not refuse to extend credit or use different standards in determining whether to extend credit. '' This is discriminatory and unethical according to fair lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 asked transunion and XXXX to be compliant with federal tax code, to which they havent with regards to my complaint.Under article 26 the United States Federal Tax Code states : Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compendation constitutes fraud in any of the 50 states. Under this premises legally these debts arent mine and need to be removed. 
When I refer to these debts. I'll attach the debts/creditors that charged off on their tax returns these debts, freeing me of any obligation to repay them under as above mentioned article 26 of United states federal tax code. I'm just asking for what is just and legal. These billion dollar corporations have recouped their losses and to pay them would be double dipping and collection agencies that buy these debts for pennies on the dollar are committing fraud for trying to collect. I'm asking you to force transunion and XXXX to follow the law and remove these attached debts from my credit report. XXXX followed the law now in asking trabsunion and XXXX do the same.

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 2019-10-25
Company: Rosebud Economic Development Corporation
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
InXX/XX/XXXX I received a loan from my quick wallet. They sent the payment through to my account, before the funds where available for pay back which caused me a nsf. I called them to see if they were willing to move the date out just one day so that this issue would not happen again. I was disappointed by the disrespect everyone was giving to this matter and they refused to refund me for the nsf fee and to move the payment to the next day. I than contacted the Alabama state banking department. Which they advised me that this company should have never given me a loan, they advised that they are not legally able to give loans in the state of Alabama and that they go after companies like this. We where not able to find an physical address on this company, I was advised because they typically break the rules and wont give out there address to be sued. I was contacted on today XX/XX/XXXXby a very rude gentleman by the name XXXX XXXX if that is his real name he advised that they were indeed not legal to do loans here but can do to travel laws. This indeed does not pertain to the state of Alabama, he also refused to provide a physical address. I advised him to never call my job again and he stated he will still call the number for ever. Then stated he was joking after I confronted what he said. This was pure harassment. I did not appreciate the harassment and the overly rudeness. He also kept threatening about it moving to the next stage could result in an illegal loan being on my credit.

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