BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: GA
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 reviewed my Consumer Reports and noticed that I had ONE late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX Secured credit card with account # XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 
Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
Company-CapitalOne falsely reporting that I owe {$300.00} from XX/XX/2017. 
They have ruined my credit and score since then and I would like for CFPB to do a thorough investigation to make sure they are under investigation for sending false information. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Kohn Law Firm S.C.
State: WI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Kohn Law Firm SC Attorneys at Law is not giving all the information I need for a Case between XXXX XXXX XXXX XXXX XXXX XXXX vs. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the law firm client. I'm XXXXXXXX XXXX XXXXXXXX 's mother, XXXX XXXX. I understand they had court in XXXX for her. She was paying the loan and stopped in XXXX of XXXX. They are trying to garnish my check without giving me any proper information about the borrower and loan. I want to see the original papers so I can know more about the loan. XXXX, phone number, XXXX, ext. XXXX is the rep. I've been in contact with and I can't explain anything to him. He is so rude. I believe if you are going to garnish someone's paycheck they should know more a bout the company, which is not a regular loan creditor. They are a trust place and more like a depositor. I told them I'm really not able to pay my daughter 's loan. I am the cosigner. My daughter has two jobs and is working on her XXXX XXXX degree. She just received XXXX and should have payed her dept I'm not sure if this place is legitimate or not that's why I didn't provide them with any of my financial papers. 

Case # XXXX File # XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have been call by XXXX XXXX XXXX on several occasions before XXXX PT. The latest being today XX/XX/2018 at XXXX. No matter how many times I tell them to stop calling me at that hour, every few.months they do it. 

XXXX XXXX  is located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-18
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian 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 Postal Inspection Service 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 2020-10-18
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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL SECURITY PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  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 Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
XXXX paid out a {$500.00} transfer that my bank returned ( and charged me return fees on ) without my knowledge, consent, or any indication in their terms of service that they would be doing any such things. I paid the recipient cash since after and thought the matter done, but XXXX  just took a {$310.00} payment 2 years later, claiming that I owe them {$500.00}.

I never applied for credit, was informed of a balance, or consented to it. Furthermore, prior to receiving the payment, I checked my account and it showed a {$0.00} balance, not $ -XXXX  and my account was not frozen or labeled as having any problems with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: EQUIFAX, 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 disputed this collection XXXX XXXX for months.XXXX  and XXXX   have reversed them but TransUnion is refusing too. 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.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2017-12-20
Company: Kashia Services
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Was approved for a loan on XX/XX/XXXX-2017 for XXXX. I have made 6 payments of XXXX which they are automatically taking from my checking account. I called the Pa dept of banking and securities because I asked inbox loan for a payoff amount and its over XXXX. Ive already paid back the principal of the loan and over Pennsylvanias max interest rate of 6 %. The dept of banking and securities suggested I contact your dept and file a complaint. My loan # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: CORELOGIC INC
State: GA
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:
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.

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 2023-02-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently gained a copy of my credit report and noticed inaccurate and unfair INQUIRIES that are hurting my general reputation as a consumer. I demand these bureaus to delete said inquiries, and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these inquiries without written signature. attached are the fraudulent inquiries made by the following companies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom it my concern, i'm writing in regards to an account being reported on my credit report, the account being reported is missing numbers, so i can't identify the account. I wrote XXXX XXXX and Equifax XX/XX/18 requested the contract with my signature and any other proof that binds me to this item and even so, that it's in their right to collect on this item being reported and their response was that they verified that the item belongs to me, i've yet to receive the contract with my signature as proof, i also ask that this item be removed or deleted if a contract can not be provided. The account in question is reported as # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Notice to agent is notice to principal notice to principle is notice to agent This is to inform the CFPB of some violation that the department of aid advantage has not addressed since the following Dispute with the CFPB in XXXX and XXXX the followings are the account disputed with the CFPB. I would like the CFPB to conduct Consumer redress for those accounts with aid advantage for the following reason for the past eight years I have been carrying this account with the Department of Education. today XX/XX/XXXX between XXXX XXXX  and XXXX XXXX  I have spoken to XXXX XXXX XXXX to get the answers that she promised to give me during our last conversation in XXXX I have mentioned to XXXX XXXX XXXX if she was aware of the public debt of XXXX she totally ignore and never got back to me so today XX/XX/XXXX I got a hold of XXXX XXXX XXXX and ask XXXX XXXX XXXX that why is my account showing negative payments my understandings are the followings 15 USC 1666 ( B ) Timing of payments this information was address was XXXX XXXX today XX/XX/XXXX also I have mentioned to XXXX XXXX that since I have been carrying this account for the past eight years and she has not provided the consumer the contract and the truth in lending act documentation that was required when I dispute it the account with the CFPB she sent me a promissory note without the contract and the truth in lending disclosure documentation, I also have mentioned to XXXX XXXX XXXX that since this account has been transferred from several department I am going to address this information with the department of education and whatever answered I get, I will address this with the CFPB and address it with 18 U.S. Code 1341 fraud and swindler since this account was created I want the Department of Education the department of XXXX XXXX, XXXX, XXXX, XXXX an aid advantage to provide the consumer the damages they have caused since XXXX by sharing my information without no knowledge to the consumer. This information is also addressed in the past with XXXX, XXXX, and XXXX. Please, I am asking the CFPB to enforce that information before my information gets transferred once again. Also, I would like to address the CFPB with the respect that the agency deserves that I am fully aware of what's going on with XXXX XXXX XXXX all caps name. I am an American citizen state national. XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The following are the accounts that I have disputed with the CFPB. Also, those accounts with AID advantage and all the companies I have mentioned above Are paid as agreed, the following are the accounts I have a dressed and dispute it with the CFPB. 
CFPB XXXX CFPB XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: ORG GC GP Buyer, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am lodging a formal complaint against gc services lp. this company has reported derogatory information on my 3 credit reports in the amount of {$420.00} for a XXXX debt i never owned. I have never had an account with XXXX ever in my life. on XX/XX/2018. I sent a request for validation because I was not familiar with this debt on my credit reports. I have also disputed this account with the 3 credit reporting agencies. I have never received anything in the mail from gc services lp validating this debt, but this debt collector continues to report negative information on my credit reports. I am in the process of buying my first home and this account is holding me back. I know its against the law to continue reporting information on a consumer credit report without validating debt to consumer. I will be filing XXXX XXXX XXXX, and attorney general complaints if this account isn't deleted from my credit reports immediately. Ive worked so hard to finally buy my family a houe of our own and this debt collection company has stopped this from happening. I appreciate your time and your help. thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: JPMORGAN CHASE & CO.
State: NE
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:
My name is on these loans only because I was a co sign. They were not my loans. 
I never made the payments-not one. I want them removed from my credit report, because My credit score is falsely is reported. They say it is correctly reported but it is incorrect. They say my dispute is not specific-What does that mean? 
I want them removed. 
Chase Auto Finance XXXX # XXXX XXXX XXXX TXXXXX-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: EQUIFAX, 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:
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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was taken in an ambulance to the hospital on XX/XX/XXXX. I got a bill from the Ambulance Company, XXXX XXXX XXXX. I paid the debt off which was around {$800.00}. Then about a year later in XXXX I was sent numerous letters saying I did not pay. I went to my bank, which at the time of the event and paying off of the debt was XXXXXXXX XXXX. I was able to get a print out proof from the bank stating that I paid the debt. It was submitted and the debt was removed. Now, it is XXXX and I have since moved from the XXXX, XXXX area to XXXX XXXX. I changed banks to XXXX XXXX. Commonwealth Financial Systems has since contacted me saying I have unpaid debt for {$1100.00}. They sent me a letter at the beginning of XXXX and I contacted them to try and tell them I paid off the debt but they would not accept my reasoning. So I reported them to XXXX as fraud and XXXX removed them from my credit score. Now, on XX/XX/XXXX I have gotten another letter from Commonwealth Financial Systems saying I have unpaid debt for {$110000.00} which is fraud. Since I reported them once to XXXX, the incident is flagged for a year on my credit report and I can not report them again. The current creditor is XXXX XXXX XXXX. XXXX XXXX is listed as the collection representative. I am going to try and contact XXXXXXXX XXXX to get a copy of my financial records that says I paid the debt off in XXXX. Please help me from getting contacted again by debt collectors for debt I have already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Several disputes were made to Experian in relation to an account that had to be removed since XX/XX/2020. Experian is reporting negative information that does not correspond to me. The original account belongs to XXXX XXXX  and it was settled.

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