BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX : All reported charge offs To whom it may concern I am responding to your contact bureau about all accounts regarding charge offs in my name. Since XXXX XXXX, XXXX after my mother 's death on XX/XX/XXXX. I have a solid reason to contact and firmly request removal of all charge offs and collections. Since XXXX my parents accounts have been through identity theft and estate fraud. I have found that I too have had identity fraud attempts or uninformed activity. For me, it started XX/XX/XXXXand continued to the present XXXX security breach. I have disputed credit cards and banks but have not had any resolution. In XX/XX/XXXX, I found that my credit went from a XXXX to a XXXX. I have had seen that my previous addresses show me living in a different city in California which prohibits me from benefits, awards and employment. I have requested removal from all three agencies, XXXX, XXXX and Experian. This is an industry failure at the expense of individuals. 

Inform all agencies to stop all communication with me and with this address, and record that I dispute of having any obligation for this debt. Stop any collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Sincerely, 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 2023-01-02
Company: EQUIFAX, INC.
State: VA
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 sent a letter months ago to remove personal information that does not belong to me and I do not want them reporting on my credit report. According to the Fair Credit reporting act 15 USC 1681, I have the right to privacy. Also according to 15 USC 6802 no financial institution isn't suppose to share information to third party people. These are clear violations of my my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7400.00}, {$13000.00}, {$0.00}, {$8600.00}, {$1000.00}, {$2700.00}, {$4000.00}, {$4800.00}, {$1100.00}, {$6300.00}, {$1800.00}, {$450.00}, {$6300.00}, {$5900.00}, {$310.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

2. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX/XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$2700.00} -This is not my account. 

7. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

XXXX. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- AUTO ACCOUNT 10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 


-- COLLECTION ACCOUNTS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

15. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$310.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020 XXXX and TransUnion said they verified to bankruptcy when i contact the local court who house the bankruptcy said they do not releases information to the 3rd parties like credit reporting agencies and i have frozen my 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 2020-09-09
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Lending Club Corp
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX has previously been informed that my company does not allow personal calls during work hours, XXXX XXXX continues to call my place of employment. This last time the agent hung up without identifying the company she was calling from. The agent then claimed that the work phone number was the only contact information she had for me, which is false. This harassment at my place of employment needs to stop. This call was received at approximately XXXX pm central time on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Experian Information Solutions Inc.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAVE A FRAUD INQUIRY PLACE ON MY CREDIT REPORT TODAY XX/XX/2018 IT WAS FOR XXXX XXXX XXXX AND THEY REFUSED TO HELP ME AND TOLD ME TO CONTACT XXXX XXXX XXXX  AND THEY WOULNDT ASSIST ME AND THE EXPERIAN REP WAS RUDE TO ME AND KEPT PUTTING ME ON HOLD FOR 30 MINS AND HUNG UP THE PHONE ON ME I HAVE NO TRUST WITH EXPERIAN

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 2021-05-04
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I FILED A METHOD OF VERIFICATION WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION ON HOW THEY VERIFIED THE INFORMATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 129 DAYS SINCE I FILED A DISPUTE. I FILLED A XXXX DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Ability Recovery Services, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018 ( XXXX  ) XX/XX/2018 ( XXXX ) and XX/XX/2018 ( XXXX ) I sent an electronic disputes for Ability Recovery Services stating that I owe them {$1000.00}. I received my credit reports back from all three credit bureaus stating it is " verified ''. I have sent two letters to Ability Recovery Services asking them to validate the debt that they are claiming on my credit report. I haven't received any written correspondence from them since I sent my letter ( s ) to them. The first letter was sent on XX/XX/2018 and the next one was sent on XX/XX/2018. No letters were sent to my home stating the debt is even mine.

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 2019-02-28
Company: EQUIFAX, INC.
State: AL
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:
Equifax has a mixed report for my name. It includes credit accounts for myself AND my father. I called today and they would not fix over the phone. 

I am applying for a mortgage and cant get approved until this is fixed. There is no issues with the other major credit reports - only Equifax has a mixed report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Selene Finance LP
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I owe {$97000.00} on my Mortgage which was held by XXXX XXXX   XXXX XXXX  which was send to XXXX XXXX XXXX. And now is held by Selene Finance in XXXX, Texas. I requested a loss mitigation packet through Selene Finance which has fallen on death ears. I sent my XX/XX/2018 payment to XXXX XXXX XXXX under a loss mitigation agreement which passed along to Selene Finance which were return to me around XX/XX/2018. I wishing to maintain this property and am trying to pay my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: Santander Consumer USA Holdings Inc.
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My husband and I have a car loan through Santander Consumer USA. The original amout they financed for was XXXX. We were informed today that the principle of our amout has n't even been paid down by XXXX since XX/XX/XXXX when we took the loan. I called them today, XX/XX/XXXX and they told me basically that the only way to get any of our payments of XXXX. XXXX a month is to pay more than our monthly payment. So basically we were told that none of our payment is actually going to the principle but we could pay more every month in order for anythint but intrest to be paid. Our note is for 48 months but at what they are doing it is going to take us around 12 years and XXXX to pay off our XXXX vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On about Monday XX/XX/XXXX, I received a credit card statement from XXXX - XXXX XXXX XXXX XXXXXXXX. The balance to be paid was listed as {$4900.00}. I thought that to be too high of a figure. 

On XX/XX/XXXX, I called XXXX to question the total and requested Staements from XX/XX/XXXX thru XX/XX/XXXX. During the phone call I stated that I would pay down that statement total of {$4900.00} to {$0.00} within 24 hours. I would review the past 3 months of charges once I received the requested months of account activity and contact XXXX  if I found a discrepancy. 

On XX/XX/XXXX, I had XXXX XXXX print a bank tellers check for {$4900.00} with XXXX - XXXX XXXX XXXX XXXXXXXX as the creditor. ( This WAS NOT a hand written personal check, it was a guaranteed printed BANK CHECK ). I sent the {$4900.00} payment PRIORITY MAIL OVERNITE to XXXX - XXXX XXXX XXXX XXXXXXXX. 

On XX/XX/XXXX ( 7 days after the {$4900.00} Bank Check was received by XXXX  ), I tried to use my XXXX  - XXXX XXXX XXXX XXXXXXXX and was denied. 

After calling XXXX, and speaking with 3 reps and 2 supervisors for over an hour, I was told the following : I would not be able to use my XXXX  - XXXX XXXX XXXX XXXXXXXX until XX/XX/XXXX - as it must clear first & because I paid the balance in full and the amount of the payment was so high, it would take till the current billing statement period closed til my card could be reactivated. 

I'm angry! I paid the full balance using a bank issued check and it takes almost a month for a check to clear? 

Please look into this incredibly odd business practice and fix it for everyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Diversified Consultants, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
FRAUDULENT CHARGES. I DO NOT OWE XXXX AND THEY ARE REPORTING NEGATIVELY ON MY CREDIT FOR {$370.00} FOR A ACCOUNT. I PAID OFF MY PHONE DEVICES FROM THEM AND SWITCHED COMPANIES SO I SHOULD NOT EVEN OWE THEM. I CALLED THE COMPANY I CALLED THE COMPANY THEY SOLD THE DEBT TOO AS WELL. THEY BOTH SAID I COULD SETTLE THE DEBT FOR {$200.00} AND THEY WOULD UPDATE THE ACCOUNT ON MY CREDIT IS AS SETTLED AND PAID IN FULL. BUT NO I DO NOT OWE THEM THIS IS STOPPING MY HOME LOAN FROM BEING APPROVED SO THEM PUTTING SETTLED DOES NOT HELP MY REPORT IT WILL STILL SHOWS AS ONCE NEGATIVE ACCOUNT. NO GOOD WHEN IT IS NOT MY ACCOUNT ONE REPRESENTATIVE SAID I COULD PAY AND THEY WILL REMOVE IT SO I AM TIRED AT THIS POINT NOW THEY DONT AGREE TO REMOVE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Attempted to contact servicer to understand status of the account. A customer service rep indicated the mortgage was reaffirmed after CH XXXX Bankruptcy in 2010 discharged. Advised this was incorrect and that charging late fees on the account is an attempt to collect a dept, specifically prohibited by U.S.Bankruptcy law. Servicer refuses to remove fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: American Finance LLC
State: DE
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It Concern, I recently received a copy of my credit report ( XX/XX/2017 ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thanking you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Conn's, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I went to Conn 's to purchase a Washer/Dryer set. The sales lady was a new lady who messed up the initial contract that she typed up, she had to call customer service and have them cancel it. The sales lady continued to make errors to the point that her manager got involved and drew up another contract. I was offered 12 month same as cash payment, however, I have noticed recently, that I have been charged interest for the last 8 months of {$29.00} per month ( for a total of {$230.00} ). I led a complaint with Conn 's, and the rep notated that at the time of my purchase the 12 months same as cash was available and he told me to call the Store Manager, which I did. The Store ManageXXXX notated that he would send Conn 's Corporate XXXX  an email. Today Conn 's told me that they will not honor the 12 months same as cash. I have to also note that this is the 2nd complaint I have led with Conn 's regarding the same sales lady. Back in XXXX, I led another complaint regarding them charging me for insurance, when I clearly told the sales lady that I had home insurance. Conn 's had me send them my paperwork and have since removed the insurance. This is 2 complaints within 3 months regarding this same sales lady who messed up the original contract XXXX or supposedly XXXX. I was told 12 months same as cash payments ... I did not just pull that out the air and Conn 's veried that it was a 12 months same as cash payment sale going on at the time of my purchase. I want this investigated and am also ling complaints with other organizations against them. Conn 's has taken an extra {$29.00} in interest for the last 8 months, when I should not have been charged any interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
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: Personal information incorrect

Complaint:
Experian fail to delete inaccurate names when I send them proof with my id and sscard they are violating my rights. See the attachment

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2020-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
called credit card for kohls and wanted explanation for high APR and protected balance interest. I never authorized this insurance for protected balance and yet getting charged. Pay on time and pay more than minimum amount and APR high. Requested removal of Protected balance customer service could not explain or remove. I have excellent credit and see no reason for this insurance. I pay XXXX per month and only XXXX is applied to balance interest total each month is XXXX or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cancelled flight with XXXX XXXX in XX/XX/2020 due to Covid. It was on Barclay Credit Master Card through XXXX XXXX. Took 3 months to settle with XXXX. Credit card was cancelled by us and a refund for flight was issued from the Credit card company ( Barclay Master Card ). Started receiving bills from Barclay in XX/XX/2020. The latest bill we received in XX/XX/2020 is now charging us late fees. I have written three times to both XXXX and Barclay and have sent all documents to each one explaining the situation. I am now getting calls from Barclay on a daily basis from their collection department. This credit card was closed in XXXX. I sent Barclay a copy of the check THEY REFUNDED me in XXXX. I can not get this resolved by anyone.

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