BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-14
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:
Please accept this message because it is very important for me. I hope we find mutual understanding and you will remove and recheck wrong items in my credit report. I would like officially to complain about that fake account and inquires in my credit report. I am victim of identity theft an recently my information was stolen a=so please remove these fake inquires and account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
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:
This letter is in response to your CFPB response with closed complaints requiring authorization ; it is not clear that I have attached my state ID and utility bill to certify that it is in fact me submitting the disputes, and you guys closing it without proceeding with your investigation as per my request to reinvestigate. I wrote to inform you that my credit report contains erroneous and inaccurate accounts that are negatively impacting my credit score.

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 2018-10-02
Company: Account Control Technology, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  XXXX of XXXX, CA collected - through garnishment- an old student loan account for XXXX . 

1 ) This corporation allegedly sent a " release of garnishment '' for the collections to stop, but my company never received it from them, however, did receive one from XXXX once I contacted XXXX   about the matter. 
XXXX  XXXX claimed to have sent it out on XX/XX/XXXX and my company/employer NEVER received this alleged copy of THEIR release of garnishment. Furthermore, they refused to provide me with a copy of the alleged release that they sent. My company/employer only received it because I followed up with XXXX. 


2 ) XXXX XXXX over collected on this debt, because the release of garnishment was never sent/received by my employer as they stated they did. For a month I have been in communication with XXXX and they stated that there was not an overpayment showing and that I should follow up with my employer. My employer - payroll department, representative XXXX XXXX confirmed that XXXX XXXX cashed the check that was sent to them, the check was cashed on XX/XX/XXXX. XXXX XXXX confirmed to the payroll representative that they received funds in the same check sent to them for funds for other employees of my company, but deny having record of getting the portion that represented my overpayment. THESE FUNDS WERE SENT to XXXX  XXXX   ON THE SAME CHECK, not separate checks. ( Amount of my overpayment is {$380.00} ) 3 ) XXXX XXXX  has never tried to help me resolve this overpayment or getting a copy of the alleged release of garnishment - that was never received FROM THEM by my employer. I have only gotten false information and the run around. 

I would like my funds back IMMEDIATELY, because it has been proven that they have them. I am not interested in more excuses and false information. They try to defer to XXXX, but the monies were sent to them directly and they have never recorded it so that XXXX can see this additional overpayment. At this point it is a violation of FDCPA ( Fair Debt Collection Practices Act ). My employer has confirmed that they DO have the funds. Period. It needs to be returned.

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 2020-09-20
Company: Experian Information Solutions 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:
XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking  fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX  ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL 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 2023-03-28
Company: Experian Information Solutions Inc.
State: NV
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 want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; 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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the third attempt to resolve this issue with credit bureau ( provided proof of delivery of request. ) The inquiries listed below were never authorized by me and are reporting as a credit error. I have no resolution with the 3 credit reporting agencies and I am requesting assistance to please remove all credit error inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2019-08-16
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Comenity Bank 12 month promotional (XXXX  XXXX)Invalid interest and fee charges: $XXXX total Last statement: Due Date payment XX/XX/2019 Owed $XXXXPayment of $XXXX went through on XX/XX/2019 Hello, I have been a XXXX XXXX customer for years now. 12 months ago we bought a set of wedding rings on a 12 month promotional plan, interest free. I have been paying my monthly payment on time every XXXX of the month to Comenity Bank (XXXX  XXXX Credit card Bank) since I am a good customer. When we bought the rings they explained to us that we would have no interest if paid in full by the last statement due date which was XX/XX/19. My payment on the last statement went thru on XX/XX/19 which is perfect according to the due date listed in the statement under "Payment Information." (Payment due date) I paid all my 12 statements on the XXXX of every month required by the due date.I spoke to their customer service department and they had said that the Real Due Date was in a small box in the middle of the statement page, and that box was not even on every statement only the last couple, which is a very deceptive way to have the customers not notice it. Every customer knows that the due date is under their payment information and that due date listed XX/XX/19. I believe this is very deceptive way for the XXXX XXXX customers putting two different due dates in the same statements.Comenity Bank which is the bank that gives out the loans to XXXX   XXXX, sent me a letter saying that the charges are valid and that they will not remove those charges. I claim that the "fees charged" and "Interest charge" be removed from my account.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
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:
My name is XXXX XXXX, and I am writing in regards to having these items mentioned on the list immediately. I am a victim of identity theft and I did not make charges mentioned with the list.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
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: Information belongs to someone else

Complaint:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
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: Information belongs to someone else

Complaint:
Re : Method of Verification Request To Whom It May Concern : I was NEVER LATE ON THESE ACCOUNTS XXXX  XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the  accuracy and completeness of the information shall be provide to the customer by the agency, including the business name and telephone number of the furnisher. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy of the completeness of the information. 

Name, address, and telephone numbers of each person contacted regarding this alleged account was late. 

Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represent a very serious reporting error. I expect a to receive RESPONSE IN 15 DAYS of receipt of this letter in compliance with the FCRA. If not, I expect these late payments to be corrected in my credit files. 

Please make sure to provide Method of Verification and process used with documentation.

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 2020-09-20
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have checked the closest options but I will tell you my real issue. I applied for the Federal Public Service forgiveness plan. I am a XXXX in a XXXX XXXX XXXX and have fulfilled the requirements to receive this forgiveness towards my student loans. I believe that I am eligible to have {$17000.00} deducted from my student loans. I am an XXXX as a XXXX XXXX XXXX. 

I was denied because of past outstanding payments to my student loans. I will say that I have worked very hard as a XXXX  and was put into an unfortunate situation where payment of my loans was difficult. I have utilized forbearance and deferral to get past this issue. I have since paid off my student loans that I incurred when I initially attended school beginning in the early XXXX XXXX. The student loan debt that I now have was incurred as I obtained new licensure as a XXXX XXXX and then as an XXXX XXXX. 

I have been unable to completely pay off this debt and part of the reason I did incur this debt is because my husband lost his job in XXXX due to the economic upheaval that was happening at the time. He had a very good job that paid a very good wage. The company he worked for closed its doors. I would have never obtained student loans if my husband had not lost his job. I would have had the financial means with which to pay for my continuing education. 

I think that this system should be reevaluated and that each person 's situations should be accounted for. I have fulfilled the obligation of XXXX  in a XXXX XXXX XXXX, that is where all my XXXX  has occurred, and I am a highly qualified XXXX of XXXX. I would love for my entire student loan debt to be forgiven but will be more than happy to accept the minimal forgiveness of {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: TRANSWORLD SYSTEMS INC
State: AZ
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:
In XX/XX/2020 I spoke to a representative with Transworld Systems Inc. ( TSI ) which stated there was an attempt to collect a debt in the amount of {$2900.00} from XXXX XXXX. He offered a settlement and stated it would not be reported to the credit bureaus if fulfilled within that time frame. The Representative came up with a payment plan of a {$250.00} down payment followed by 10 payments every week of {$180.00} that would cover the debt which I agreed to. An email was sent to me confirming what we had spoke about. After paying my last payment ( XX/XX/2020 ) I called TSI to confirm that there were no outstanding balances. The representative I spoke with on this day told me I was good to go. Within the next couple days after checking the XXXX XXXX app on my phone, I got a notification that I had my first derogatory mark on my credit report which dropped my credit 23 points. This derogatory mark stated that I still have a remaining balance of {$830.00}. I called TSI immediately inquiring on why this is. They said that I still owe {$100.00}. I feel this is fraudulent considering we agreed upon an amount and payment plan, I fulfilled the agreement and now they are saying I owe more money. These conversations were all on recorded lines and should be reviewed for accuracy. After multiple phone calls they are refusing to work with me and verify the actual agreement. This is very upsetting because Ive been trying to repair my credit and take care of my obligations only to be slapped in the face with this. It would be greatly appreciated if you could investigate this matter so I can have this removed from my report as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020 I received a letter from Commonwealth Financial Systems , Inc., XXXX XXXX XXXX, XXXX XXXX, PA XXXX listing 13 "  account numbers '' and dollar amounts of alleged debt from XXXX XXXX XXXX. They had already taken action to ruin my credit by filing numerous derogatory comments at the credit bureaus on XX/XX/2020. They didn't just THREATEN to ruin my credit ... they took action to ruin my credit before they ever notified me of anything or provided me a chance to dispute this. I called on XX/XX/2020 and sent a letter advising them that I have valid, current health care insurance ; that I disputed the debt since they didn't bother to list dates of service, name of patient, or description of services. I also advised that they had made NO NOTIFICATION to me prior to making derogatory remarks at the credit bureaus. I asked what steps they had taken to validate the debt before making the derogatory remarks. The woman said they simply " assume '' the debt is valid. I requested validation and advised that I dispute the debt. I was told validation would be sent. However, a few days later, they made additional derogatory remarks at the credit bureaus, even after I advised them it was in dispute. I filed a complaint with the XXXX explaining that I have no idea what this is about, and that the collection agency did not validate the debt. They LIED in their response to the XXXX  claiming they sent validation on XX/XX/2020. Their letter to me wasn't dated until XX/XX/2020 advising they had these accounts and offering a 25 % discount on the debt. In addition, their employee verbally admitted they did not validate anything since they " assume '' records from a health care facility are valid on their face. I disputed the debt with the credit bureaus in XXXX and it was removed. After being notified by the XXXX of my complaint to which they filed the false statement about sending validation on XX/XX/2020 that I mentioned above ... they also told the XXXX they were requesting additional information. Why would they need additional information if they had already validated and sent me validation on XX/XX/2020 ... .they didn't do any of that. NOTHING has been provided since their original letter dated XX/XX/2020. To make matters worse, in XXXX they filed all new additional derogatory comments. I have no way to determine whether this debt is valid, whether it is old, and/or who even received XXXX XXXX. I have a family plan. I have seen many complaints about this company on the internet regarding the fact that they try to collect debt that is not valid, and engage in the same type of unethical conduct with the credit reporting agencies. It is my belief they continue filing these bogus derogatory remarks to harass and try to intimidate me into paying bills that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The following inquiries i didn't authorize & is REPORTING INACCURATELY : XXXX reporting the following : - XXXX XXXX XXXX XXXXDATE : XX/XX/XXXX -XXXXXXXX XXXX XXXX DATE : XX/XX/XXXX -XXXXXXXX XXXX DATE XXXX XX/XX/XXXX -XXXX XXXX XXXX - DATE : XX/XX/XXXX Transunion reporting the following : XXXXXXXX XXXX XXXX : DATE : 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 2020-09-27
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
THE CARD WAS CLOSED IN XXXX WITH BALANCE CREDIT IN FULL AND THE CARD IS STILL CHARGING FEES IN XXXX. THERE WAS A DISPUTE WITH THE MERCHANT THAT WAS CREDIT IN FULL IN XXXX. THIS CARD SHOULD NOT STILL BE CHARGING FEES. THE CARD WAS CLOSED IN XXXX. THIS IS RUINING MY CREDIT AND IS NOT FAIR PRACTICE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief