BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-21
Company: Kentucky Higher Education Assistance Authority
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My name is XXXX XXXX. This loan is in my name and my daughter XXXX. For starters this loan was to refinance a previous student student loan that was through XXXX XXXX, XXXX XXXX had while attending college. We started this new loan process in the fall of XXXX. On XX/XX/XXXX we were approved for XXXX. That check was mailed out to the previous lender on XX/XX/XXXX. This new lender was KHEAA/KHESLC. The loan agreement, percentage rate was fixed at 4.34 %. We were told that if we did auto transfer the rate would be 3.70 %. Recently I was going through paperwork that we receive from KHESLC and while carefully reading the fine print noticed the loan was now 5.03 %. I contacted KHEAA and spoke with a representative that helped us back in XXXX, XXXX XXXX, and ask him what had happened. He said he remembered me because there had been a mix up in the amount that we were to borrow and agreed with what I was saying about the loan agreement. He then said he would investigate this and get back to me. On Friday XX/XX/XXXX he contacted me and told me that, according to upper management, the interest percentage rate had changed to 5.30 % and that they sent us paperwork that confirmed that and that XXXX and I signed off on it .I was never made aware of any interest change. I have every piece of paperwork from them regarding this loan and told him I had no such paperwork. He said he would email me the material, which he did. After close review on my part these signatures, which are just initials, are not mine. XXXX 's signature does not even appear on this paperwork and although it does not say on this paperwork, signatures invalid, for some reason on my computer it is printed signatures invalid. I would have never agreed to 5.30 %. I expressed my frustration with XXXX and he understood where I was coming from but said there was nothing he could do. There is definitely something going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS 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 2022-12-17
Company: Experian Information Solutions Inc.
State: AR
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 you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX, # XXXX, and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off my Credit File : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX  XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-05-13
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was affected by a national disaster that resulted in me losing my apartment with XXXX XXXX. An XXXX came and cause damage. I had a deposit and insurance that was covered by XXXX XXXX 

I experience homelessness after this and was forced to relocate to another city. I've attempted to dispute and validate the debt, but I dont get a response. 

Per FCRA I have every right to this information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
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:
Hello and can you please review the information on my experian report. I never file Bankruptcy and you guys are poping up on my experian report. If I file bankruptcy why isn't the BK ON MY XXXX AND XXXX? TO WHOM MAY READ MY COMPLIANT PLEASE LOOK AT MY XXXX AND XXXX I HAVE NO BANKRUPTCY AT ALL CAN YOU PLEASE HELP 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 explanation
Consumer complaint received 2019-02-20
Company: Amsher Collection Services, Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've never had XXXX. I'm with same carrier for over 20 years. They have wrong person in collections. I open dispute in my credit file They're refusing to remove I will contact Attorney general next

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello. I am looking for a fair solution on this case. I am victim of violations to my rights as a consumer. American Express is committing multiple violations to the California Credit Reporting Act. 

I am writing to you today regarding the following account with : Account # XXXX, opened date XX/XX/2016, limit {$2000.00}, balance {$0.00}, status : closed. I tried to solve this issue with them, but no answer was received on my side. 

Some of the violations that Amex is committing are : - Unfair business practices - Negligence - Breach of contract - Reporting incomplete information I am demanding the item removed frmo my report. This is causing me a lot of troubles, XXXX XXXX, and with all this covid19 situation, is even worst. 

Please send the attached documentation to American Express. 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TODAYS DATE:XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX  XXXX XXXX ( I NEVER OPEN THIS ACCOUNT ) Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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 2020-08-28
Company: DISCOVER BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I lost my credit card and there was a purchase made that I did not authorize. the purchase was made on XX/XX/XXXX. 

Th purchase was made at a jewelry store in XXXX Massachusetts : XXXX XXXX XXXX XXXX XXXX at XXXX XXXX eastern time. 

The purchase was for a large amount of money and I received a credit monitoring notification a few hours later that my available credit had decreased by a larger amount of money. I called Discover to dispute the purchase and the first person went over all the details with me. The first representative I spoke to was very helpful, she was able to remove the charge and told me that I did not have to file a police report because of the distance from where I live to where the purchase was made. 

After a few months Discover reattached the charge to my account without explanation. I disputed it many times and the only response I get is that I am responsible for the charge and that the vendor had seen my ID and had sent Discover proof. 

I have requested the proof from Discover showing that my ID was used at the point of sale. I know that this is impossible because I have been in possession of my card the entire time. 

I have also submitted proof to discover showing my location around the time that the purchase was made and I also gave them a XXXX maps screenshot that shows the approximate time it would take for me to drive to that store from my house. 

I have disputed this many times and Discover still has not given me a valid reason as to why they believe that I am responsible for the charge. I have shown them irrefutably that it is impossible for me to have been at the store to provide my ID at the point of sale. Either the vendor is lying about having seen my ID or Discover simply does not care to protect me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/19, I logged onto my children 's place credit card issued by Comenity bank, to discover my credit limit had been decreased again. This is the 2nd time this has happened in less than 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Adelante, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is an error on the provider for not properly billing any insurance. I never signed any contract stating I am responsible for any debt and even informed everybody that I would not do any service that would involve an out of pocket expense

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX credit card is reflecting negatively under my credit files. this account and balance do not belong to me. I have sent in a police affidavit report and additional documentation and this should not be appearing on at of my credit files. XXXX XXXX XXXX was also sent this information and advised they would have it removed as well. I have requested the three main credit bureaus remove this account but they have not and have not complied with he allowable dispute period and or notified me of the results and it is over the allowable time frame. I have sent in numerosus disputes on this. this has not been handled

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a car in XX/XX/XXXX and made the 60 payments of {$500.00} so I paid over {$30000.00} for my car. My last payment was XX/XX/XXXX and they ( Capital One Auto Finance ) closed the online payment and said my auto loan was complete. Then they came after me for {$1100.00} and now {$1600.00}. I didn't know what they were referring to since I paid off my loan. Now they sent someone to reposes my car after I paid over $ XXXX. I called them to get them to stop and they refused. I wanted to know why I was being charge " fee 's '' and they said it was late charges. I told them I was not late that many times unless the fee 's were {$500.00} for being late. I tried to make payment arrangements I could afford and they refused to negotiate. I said they can't steal my car I paid for it. They said they have the title and could do what they want it is their car now. This is unethical and stealing they should not be able to get away with this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ars Account Resolution, Original Creditor XXXX  XXXX XXXX XXXX XXXX XXXX. 
reported as derogatory on XXXX  and transition, account # XXXX, with a wrongly reported balance of {$1200.00}. multiple disputes and attempts both to creditors and credit bureaus, all have failed to provide proof need it by law and still will not delete the wrong not proved derogatory 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 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent notification before that I am a victim of identity theft and this XXXX account which i did not authorize and is not mine is still reporting on 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 2021-02-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX  PA sold me a lemon car and never give me answer with the warranty the car month ago take it brokedown a piid with my pocket month later again coming with electrical problem and them i decided released the bank have the status how reposition but its wrong i calld significat time and never recived any answer

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 2018-02-12
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 disputed a collection on my Equifax credit report over 60 days ago, and for Equifax to provide a Reasonable Investigation and Account-Level Documentation for debt collector XXXX XXXX XXXX XXXX XXXX allege debt of {$300.00}. In addition to my dispute I requested Equifax to provide original purchase contract and verify the following on the original purchase contract : Name, Address, Phone Number, Date of Birth, and Signature. Equifax did not provide original purchase contract or Validation of Debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA that Im legally obligated to pay this allege debt. Equifax failed to uphold 15 U.S. Code 1681s-2 and fraudulently stated this debt meets FCRA requirements. Equifax willfully and knowingly executed non-compliance as per FDCPA 807. False or misleading representations 15 USC 1962e.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: FirstPoint Collection Resources
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have previously sent FirstPoint Collection Resources , Inc several requests to validate my alleged debt. Each time they have failed. 
I was contacted by XXXX XXXX and XXXX XXXX. They each have failed to Validate the alleged debt of {$780.00}. 
FirstPoint Collection Resources , Inc. are debt collectors and has failed to furnish a copy of the formal purchase agreement, and state how much was paid for the alleged debt. FirstPoint Collection Resources , Inc. did NOT Furnish the name, address, and telephone number of the authorized representative who was authorized to sell this alleged debt to their firm.

FirstPoint Collection Resources , Inc. does NOT own the account and therefore, we have no contract

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was affected from Covid 19 pandemic. My XXXX  was temporarily closed. I am facing on financial hardship and depending on unemployment benefit. I have asked the Wells Fargo Bank to defer my credit card payment to XX/XX/2021. I am waiting for California Relief Grant to take care of it but the Wells Fargo Bank management ignored my inquires many times. See attached file.

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