BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-05
Company: Experian Information Solutions Inc.
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 have had multiple reports and disputes filed with EXPERIAN. EXPERIAN has indicated they comply with the Fair Credit Reporting Act. 

MY XXXXE identity Theft Protection XXXX  contractor provided a report from all three credit bureaus. on/or about Sunday XX/XX/XXXX. They had provided a report that was over a year old so I contacted them for additional ID theft services. They furnished a new credit report on XX/XX/XXXX. I have accessed that report and the information that EXPERIAN indicated had  been DELETED has NOT been deleted from the file. 

The report furnished by EXPERIAN to the CFPB went into significant detail concerning the complainant 's responsibility and what they do, but EXPERIAN filed false information with the CFPB indicating the Derogatory information reported in XX/XX/XXXX has been deleted. 

However, based on my review of the current credit report - that derogatory information is still showing on the report. IT was reported on/about XX/XX/XXXX as being removed/DELETED. 

Experian has indicated they have furnished the full report. Their electronic monitoring system and DISPUTE process continuous shows they complied with the 5- day report process upon completion of the of the investigation. This DISPUTE has not been resolved and the credit bureau has failed to comply with Federal statute in accordance with the information that has been reported to 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 2018-05-08
Company: STATE FARM BANK, FSB
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been dealing with this issue with XXXX  since XX/XX/2017. XXXX refuses to delete and remove these fraudulent accounts from my credit report. I have sent police reports and filed several disputes with XXXX. XXXX is breaking the law by not thoroughly investigating and deleting these fraudulent accounts. XXXX uses XXXX system to investigate these issues and they are not contacting these creditors. I did not open any of the following accounts below. Please delete and remove within four days : 1. XXXX  Account # : XXXX 2. STATE FARM BANK Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: GOLD KEY CREDIT, 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:
Gold key cred for {$260.00}. It was open on XXXX XXXX, 2016. Do n't know what that is. Have no recollection of what that could be. Would like to dispute it. It 's an collection inquiry on my credit on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: Experian Information Solutions Inc.
State: MS
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 applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions Inc.
State: MN
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 receiving letters and phone calls of harassment, profane and abusive language, death threats and threats of being sent to jail and prison from XXXX XXXX Representatives in regards to a debt for {$84.00} from XXXX. The debt and account is not my debt or account. The account and debt is due to identity theft. XXXX XXXX  is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ).

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 2020-10-12
Company: Sprechman & Associates, P.A.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I Had XXXX  XXXX in 2016 had no insurance. I live in XXXX. The XXXX bill alone was over XXXX XXXX dollars. There repayment plan was XXXX dollars a month which I don't have. 
I recently received letter from a bill collector representing as a lawyer Sprechman & XXXX PA. Stating I owed {$11000.00} plus interest {$1000.00} ( my Dr does not charge interest ) also my Drs have their own lawyers here in XXXX . This is a collection scam they have negative reviews on their website regarding fraudulent practices. My lawyer indicated to me to file a complaint with FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Hi, I have had a credit card with Citibank for 8 years. In XXXX, my card expired and I asked for a new one. The company refused on numerous occasions to issue me a new credit card, however, left my account open and it still shows as an open account on my credit report. I was told they refused to issue me a replacement card because of a debt that was owed from XXXX that was then added to my credit report in XXXX. I was contacted by a law firm representing a company that had purchased the debt from Citi bank and was told by Citibank that I was not allowed to have a new replacement card until I paid the debt. Upon speaking with the lawyer on the phone, he said that the debt was opened in XXXX, which was a XXXX, it was opened in XXXX when I was in college. I had not heard from Citi or anyone regarding this debt for years until XXXX and this situation came up. I negotiated a lower payment with the law firm and contacted Citibank for a replacement card since the debt had now been paid. They continued to refuse me a replacement card, hanging up on me on the phone as well. I to this day still have an open credit card account with Citibank that is XXXX years old, with no payments due, XXXX balance, and am still refused a replacement credit card, even with the previous debt that is XXXX years old now being rectified.

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 2018-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
There was some fraud made on XXXX XXXX  XXXX as someone tried to make accounts under my name. XXXX XXXX XXXX said they would tell transunion to remove the following the hard pulls as I did not authorize them. Transunion also said they would remove them. Both companies have nothing removed them and they are still on my file. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 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 explanation
Consumer complaint received 2021-07-15
Company: ADIR INTERNATIONAL LLC
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: 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 and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
There are several address on my credit report that I have never lived at. I don't think it really is hurting me but I would like for them to be removed. XXXX XXXX XXXX, OH XXXX,XXXX XXXX XXXX XXXX , XXXX  , TN XXXX,XXXX XXXX XXXX XXXX , XXXX, TN XXXX,XXXX XXXX XXXX XXXX , XXXX, TN XXXX. My current address has always been XXXX XXXX XXXX XXXX XXXX, TN 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 2021-07-15
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have submitted disputes letter requesting the company to validate and provide proof of documentation or any court judgements that binds me to the allege debt they are trying to say I owe or any original contracts baring my signature that I am in deed the consumer responsible this debt. However, I noticed that the company and the credit reporting agencies has illegally changed information and dates on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: PNC Bank N.A.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I have already submitted a claim regarding this matter. PNC provided false information in their response and I had no ability to upload documents to prove their information was false. I am submitting that proof with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: NY
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:
A two days ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up these accounts with someone that has a similar name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To EQUIFAX - This is my dispute for your company. 

RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of Dark Web identity theft. There have been accounts and services established using my personal Identification without my authorization. 
After careful review of my report, I have identified the information listed below, is the result of Dark Web theft on the affected accounts are listed below. 
I do not and have not obtained business or services under these accounts! 
You must remove it immediately without prejudice. 
XXXX XXXX XXXX ACCT : XXXX AMT : $ {$4900.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$2400.00} XXXX XXXX/XXXX ACCT : XXXX XXXX : {$4900.00} XXXX XXXX XXXX. ACCT : XXXX XXXX : {$100.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$5500.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$670.00} XXXX  XXXX XXXX ACCT : XXXX XXXX : {$1600.00} There are also the below listed inquiries on my report which have never been placed by me. These need to be removed immediately : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that I have never lived. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 

This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: OneMain Finance Corporation
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
To whom it may concern My name is XXXX XXXX, in XXXX I got a loan with one main financial for a use card XXXX XXXX XXXX, the loan initiate with a balance of {$8300.00}, when I got the loan the agent offered me to put a XXXX insurance during the term just in case something happen, but I was my first time to get loan, i dont know about the insurance and I accepted it, they charge me a interest 35.31 % for the loan, so the duration of the loan is for 60 months, I will have to pay {$17000.00} for a use Car. Last week I called the insurance company and canceled the insurance they give me a refund for {$950.00} and I asked them to applied this amount into the principal balance, and then I already paid {$390.00} to the principal that give me a total of {$1300.00} I paid to the principal balance I suppose to owe {$6900.00} base in my calculations it supposed to be less they put on my balance {$7000.00}, I called then to fixed the principal they dont wan na do that, In this difficult time I cant give them my money I work hard to pay my bills they suppose to make the adjustments on my balance. 

Please I need help to fixed that issue with one main.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I became ill at home on XX/XX/XXXX with XXXX XXXX XXXX, XXXX and XXXX. I went to the closest medical facility to my home which was XXXX XXXX XXXX XXXX, however, the clinic closed early due to the holidays. In my need to desperately be seen by a physician I went to the emergency room for treatment. In that moment I was triaged and put into a waiting room. 
After approximately XXXX hours of waiting and not being seen by a physician I checked with the clerical staff regarding how long it would be before I am seen by a physician. The clerical staff was astonished that I had not been seen they said that they had no idea I hadn't been seen. Later a female entered into the exam-room and never introduced herself to me. I asked who she was then she stated XXXX XXXX. She requested to see my inhaler I had in my hand and inquired, " who prescribed this inhaler for you? '' After that XXXX XXXX abruptly left the exam-room. XXXX XXXX returned shortly with her malicious diagnosis alleging, " your doctor did not prescribe this inhaler for you and I refuse to treat you. '' During her psychotic, racial rant and abuse of me I suffered a XXXX XXXX in the exam-room. I had to take my medication of XXXX XXXX immediately to endure the racial abuse from this gatekeeper 's vile systematic actions being taken against me. After filing a complaint with XXXX regarding the maltreatment that I received from the doctor at XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX left a line of destruction against me with XXXX XXXX XXXX. In their narrative that dated XX/XX/XXXXthey alleged " you were seen at XXXX XXXX XXXX XXXX 's after hours clinic on XX/XX/XXXX, '' is a fraudulent statement and misleading statement. I was not seen in the after hours clinic they were closed. Therefore, I had to go to the emergency room seeking treatment but was refused medical treatment in the " emergency room by their physician at XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX continue with their intent by making a representation which they knows to be false ... '' you left against medical advice at XXXX p.m.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was seen on XXXX, at XXXX XXXX XXXX XXXX emergency room. I provide proper billing information and XXXX XXXX was billed. It took a while as they thought I had other health care. I solved that but SEQUIUM ASSET SOLUTIONS , LLC, XXXX, GA, keeps calling me and saying I owe them {$700.00}. I contacted both the hospital billing ( XXXX ) and physician billing XXXX - XXXX ) several times. I spoke with both today ( XX/XX/2021 ) and they assure me I have no outstanding balance with them yet this agency keeps calling me. They called me just this morning ( XX/XX/2021 ) but I refuse to take any more of their calls. My credit report still shows a collection and has hurt me for 2 years. I need them to take me off credit reporting but they won't listen. All I ever get is an argument and high pressure to pay over the phone. I pay my bills but I don't owe this one. Thank you. XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have request for assistance with XXXX XXXX XXXXXXXX program. My application is completed. State has sent information to SLS on XX/XX/XXXX. On XX/XX/XXXX I was informed response was sent to XXXX XXXX XXXXXXXX program. On XX/XX/XXXX I called XXXX XXXX XXXXXXXX program they confirmed me once again information requesting was send on XX/XX/XXXX. 
I called and tried to spoke SLS they told me it will take end of XXXX to send response. XXXX XXXX XXXXXXXX program can complete my application without response form SLS. My request to speak to supervisor or agent from HAF department was denied because they dont speak to homeowner. Loan is ours and we can talk to them is problematic. 
Default notice was filed to sell the property on XX/XX/XXXX and we getting close to deadline. By the way I have left 2 messages on a single point of contact phone number no one has returned call. By end of XX/XX/XXXX, it will be close to one and half month and this will get close to deadline. By end of XX/XX/XXXX, it will be close to one and half month and this will get close to deadline.

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