BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX ; XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-09-08
Company: Credit Karma, LLC
State: MD
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:
Numerous credit card denials on my credit report in which credit karma stated that I had good approval odds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
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:
I am a victim of identity theft. Someone is using my personal information without my authorization. In XX/XX/2015 while working out at the park my purse was stolen with my personal information inside of it. Someone broke my window and stole my purse. While trying to apply for a credit card I checked my report and discovered that there were accounts on my credit report that does not belong to me and were not authorized by me credit cards, auto loans, and car insurance. All of the inaccurate accounts were deleted from my credit report except XXXX XXXX XXXX  which needs to be deleted asap as well because that account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: CL Holdings LLC
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: Account information incorrect

Complaint:
" Jefferson Capital '' has re-aged a debt and after dispute removed from one credit reporting agency. The debt in question is illegally being reported the credit bureaus and " Jefferson Capital '' is repeatedly using illegal practices and intimidation against consumers. The XXXX  page for " Jefferson Capital '' is full of complaints about illegal practices from this debt collector. After a dispute of the debt one of the the bureaus removed the account, but Jefferson Capital has refused to remove the illegal report building the FDCPA and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Navient Solutions, LLC.
State: MO
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:
Take a look at this info : It was already deleted by XXXX at one point and I still have an account with them which is and has been in deferment! Please delete late and stop holding me as a consumer back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Avant Holding Company, Inc.
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
So the picture below will show that avant tried to collect on the account after they had closed the account and written it off. Also after I sent them a cease and desist letter they they sold it to the new creditor. How can they collect on a closed account that they sold isnt that fraudulent for double collecting especially an account they no longer own. So the avant account was closed XXXX of XXXX and they tried to collect payment on XX/XX/2022. They sold it XXXX XXXX years after the account was closed. After I had sent them a cease and desist letter on XX/XX/2022. Not only that but the origial loan was for XXXX dollars and I am trying to be collected for almost XXXX that is completely incorrect. The original owner of the account did not honor their warranty either on this mattress that I had purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: IL
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX someone from XXXX XXXX XXXX contacted me and said that I had a credit card with XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. They said that I owed XXXX XXXX  {$2600.00} from XX/XX/XXXX. They also stated that if I paid the settlement of {$1500.00} by XX/XX/XXXX, then they would not report any derogatory information to the credit bureaus. I explained to the representative that I do not owe any money to XXXX XXXX, and that I do not remember having a credit card from XXXX XXXX. If I had a XXXX XXXX XXXX XXXX, I would have already paid it off. She then asked me if I had social security or XXXX benefits in which to pay this debt. She stated that if I do not pay the debt, that they would place a lien on my house and add this debt to my credit scores. She stated that I had good credit but it would not be good when they added this to my credit report. I explained again that I do not have Household Bank credit card and if I did, it was 13 years ago based on her dates. I looked at my credit report and I noticed that XXXX XXXX XXXX had an inquiry on my XXXX  Report XX/XX/XXXX. I also noticed that I do not have a XXXX XXXX  credit card on my credit report. I also sent a complaint to the Texas Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: EQUIFAX, INC.
State: CA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Approximately, a week ago, I received an American Express Blue card. I have been abused, harassed, and tortured by multiple security checks, at least 9 TIMES, PASSING ALL OF THEM WITH FLYING COLORS, and I ca n't get a real explanation why the repeated checks. I can not get a cash advance ; they will not allow me to create a security pin. I received a letter yesterday, XXXX/XXXX/2015, SAYING, ONCE AGAIN, TO CALL THEIR SECURITY DEPT., AND IF I DO NOT IN 30 DAYS, THE CARD WILL BE CANCELLED!!!! I have angered XXXX people with ties to the banking industry and I think this is at the root of all of this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: ENCORE CAPITAL GROUP INC.
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have debt collectors calling my home phone number XXXX constantly for debt they are trying to collect for other people with the same last name or people who are in my family. They call and leave threatening messages constantly about serving papers to XXXX XXXX ( not me or anyone in my household ). If I pick up the phone the autodialer hangs up on me every single time. They call from toll free numbers, numbers showing fake names ( caller ID Spoofing ) or cell phone numbers with area codes all over the country with no names attached. I am sick and tired of the abusive calls to my home all day and night. On XXXX/XXXX/15 XXXX CST they called from XXXX. Over the years I have told them repeatedly that I am not XXXX XXXX nor am I paying her debt. I do n't think I should have to change my phone number because of these calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
They have been dropping my score for no reason. I have also asked that all addresses and phone numbers be removed except mine : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX  But they acted like I never sent this letter. I have XXXX copies and returned receipts to prove I have told them to correct all the other address on my accounts that are not mine. They have no XXXX. Reason for the drops of credit for no reason at all, nothing added or dropped! Its absurd what they get away with. They are reporting inaccurate information on my report for a long time now.

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 2023-09-30
Company: Netspend Corporation
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Tried activating the Prepaid XXXX gift card by phone and was texted a link to finish it online. Went to the online link and was given a phone number to call to finish activation. Called the new number and was texted a link to complete activation. Guess what I got a number to call to finish. It was an endless loupe. This was XXXX in XXXX my son wanted to use it for a present. I tried activating it again and this time after several loupes got a real person. This person was trying to get more information from me to sign me up for a credit card. Since I would not provide this information, I could not activate the gift card. Now in XXXX a year later my wife tried one more time and finally got through to someone who said we need to activate card. We tried the a few minutes before calling them and it did not work. Now that we called and activated card we are told it is active and has a negative balance. According to them in XXXX it was activated and because I wouldn't give them more info ( to send me a credit card ) the prepaid card was set to a XXXX monthly fee. This is a scam it is nearly imposable to activate card and they are harvesting your info for a credit card you can't afford.

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 2023-09-30
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I filed a borrower defense application back in XX/XX/2023. I chose the option to not put my loan in deferment or forbearance while it was being processed. I just received a letter stating that it was put into forbearance. I have not authorized or requested any forbearance. I am applying for a mortgage and this is making things difficult. 

I want them to remove the forbearance immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: LEXISNEXIS
State: TX
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Upon the reviewing of my consumer report, I noticed that you all were breaking several laws set by congress to ensure that information being furnished by you all are fair and accurate. 

I am putting you on notice that all Late payments being furnished on my consumer report is illegal. 

According to 15 USC 1666b. Timing of payments, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 21 days prior to the account being late I was supposed to receive written notice informing me that the account is going to be late. I did not receive any written notice prior. 

According to 15 USC 1681b. Permissible purposes of consumer reports, the only way any consumer reporting agency ( XXXX ) may furnish a consumer report is if it is in accordance with the written instructions of the consumer to whom it relates. I never gave XXXX written instructions to furnish any negative information on my consumer report. 

By not obtaining my written permission to furnish this negative information you all are committing Identity Theft. You are fraudulently misusing my personal information for financial and/or personal gain. 
I should also make you aware of 18 USC 1028A-Aggravated Identity Theft, anyone knowingly uses without lawful authority a means of identification of another person shall be sentenced to 2 years of imprisonment and up to 5 years for a XXXX offense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Wayfair/ Comenity Bank failed to process my payment which was mailed to them 20 days prior to my due date. I ended up having to make my payment over the phone after realizing they never processed my payment.

I had a late fee of {$40.00} applied and asked that this be waived. The account was paid in full. Wayfair clearly had a delay with processing mailed payments and they even claimed that due to covid it can take longer to process mail payments. 

This is unacceptable and my late fee needs to be refunded to me. There is a {$40.00} late fee to an account that has an interest fee of {$7.00} and this account had been paid in full based of the payoff balance provided by the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-06-03
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: Account status incorrect

Complaint:
I APPLIED FOR A MORTGAGE AND THEY DENIED ME BECAUSE THEY SAID I MISSED A MORTGAGE PAYMENT WITH XXXX  XXXX  XXXX  ... I HAD NOT. I CALLED XXXX AND THEY COULD NOT EXPLAIN WHY THEY THOUGHT I WAS LATE. I WILL ATTACHED MY RECORDS OF MY PAYMENTS WITH THIS COMPLAINT. I NO LONGER HAVE THE LOAN WITH XXXX AS IT IS PAID OFF. THEY LISTED ME 30 DAYS LATE FOR XX/XX/2019. I WAS NOT PERHAPS THIS WAS WHEN THEY WERE TRANSFERING TO XXXX XXXX XXXX WHICH THEY SHOULD NOT HAVE BEEN REPORTING NEGATIVE INFORMATION ANYWAY DURING THAT PERIOD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I contact MOHELA twice in mid XXXX first to move to an income driven repayment program as my current program payment was too high. I requested the paye program first, but when I called the second time I was told the repaye program ( that would become the save program ) would be a better option for me so I requested to be put on that program. I verified with the rep they would disregard the first application and take the repays application first. They updated my repayment programe to the paye program. I thought that was just a mistake and it would change to the repaye program. When it didn't change, I contact them again at end of XXXX inquiring about the change. They said to keep waiting and they would escalate it and it should process the change in 5 to 7 business day. On the XXXX business day it still had not changed, so I called again. The rep told me they had caught their mistake and put my account in forbearance for me so I wouldn't have to make the payment under the paye program in XXXX. They told me there was nothing else they could do besides keep waiting another 5 to 7 business days. On the 8th day I called again due to no change and they said to wait another 5 to 7 business days. It has now been 10 business days and there hasn't been a change or anyone reaching out to me. I am calling again on Monday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation