BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-12
Company: Experian Information Solutions Inc.
State: MO
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:
Unknown Inquiries reported on credit report : XXXX XXXX, XXXX18. XXXX, XXXX18. I DO NOT KNOW OF THESE INQUIRIES, THEY WERE ILLEGALLY MADE THRU IDENTITY THEFT!!

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 2018-03-28
Company: Experian Information Solutions Inc.
State: SC
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:
Experian will not actually investigate the validity of an account that I have disputed from 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 2020-03-25
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 information incorrect

Complaint:
Equifax is interfering in acquiring annual credit reports, dispute process and refusing to use accurate identifiers for verifications of Identity. barring me from those normal processes. 

I have displayed repeated patients to understand their security processes only to be rudely hung up on when calling their Customer Service Line.  Respectfully on XX/XX/2020,XXXX. 

Denying me the right to dispute or challenge entries to improve ( increase ) my credit score under my review and maintenance keeping my information up to date and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 tried numerous times to get this non-compliant reporting situation fixed. Trans Union credit reporting agency is now in violation several times for not following the Metro 2 Five points of compliance XXXX reporting under the Fair Credit Reporting Act. 

The Metro 2 Five points of compliance clearly states the following ... 

**1 XXXX is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX , XXXX , XXXX and TransUnion , their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 

3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit **5 If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. 

I have now had the same file deleted off two other data furnishers, but Trans Union continues to claim that they are verifying this account. 
This is a clear violation of # 5 of the metro 2 5 point compliance rule. They are to modify or delete when another data furnisher does. 

This account is not non-compliant, Trans Union refuses to remove this account and claims to continue to verify this account. 

I have even asked them to provide a certificate of compliance that went ignored as well. 

My next step is to take this case to court and sue for a large sum as this is affecting my day to day life. 

I have all the evidence I need to support my case. I will attach some of it with this complaint.

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 2018-03-22
Company: Riverwalk Financial Corporation
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company sends me a notice demanding payment within 30 days but does give me any information other than the name name XXXX XXXX XXXX. Why is a Texas collection agency trying to collect from someone in Alaska? I have never heard of XXXX XXXX. I demand validation, not just verification. I demand to know who XXXX XXXX is, I demand to see any contract I have signed with this company within 7 days or you will agree to cease and desist. Yes, you do have to validate this debt as requested. Please be advised that upon request I will give this collection agency an attorneys information so that they can directly deal with the law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Sequium Asset Solutions, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
SEQUIUM ASSET SOLUTIONS , LLC has fraduently put a alert on my credit. I don't know who this company is nor have I ever spoken with them or received mail correspodence as required by law. 

The debt in question is for {$7600.00} and was placed on XXXX XXXX. After contacting and getting multiple hangups as the company does this to most customers. This company has a history of XXXX, after a quick internet search and reading XXXX reviews and seeing the XXXX XXXXow rating this company has. I have had to activate my XXXX insurance and lock my credit due to this XXXX company. This company is a high XXXX  company and needs to be shut down by the Federal government

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ABILITY RECOVERY SERVICES reporting a major derogatory item on my credit report. This is a third party company trying to collect a debt for a XXXX program. I didnt take any XXXX online classes or have any debt with them. they keep calling me and putting a bad major derogatory status on my credit.

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 2019-02-12
Company: Navient Solutions, LLC.
State: OH
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:
My loan is from XXXX and was originally from XXXX XXXX. It was bought by Navient after I had been paying on it. They have been unable to tell me where the payments went that I paid prior to them buying it. I was charged the full amount again by Navient after they bought it. I made payments to Navient, and then went back to school in XXXX. I spoke with the school and Navient and was told that I would not need to pay while I was attending school. My credit was affected and reported as late, I had to submit a dispute with the credit bureu. I have faithfully made payments to Navient since XXXX. Paying more than the minimum amount, and paying early. The balance is always the same and never goes down. I have requested numerous times that I get a print out, and that something is not right. They have yet to send me the accounting print out, and then on my credit it now shows that the balance is increasing. They can not answer where the money is going, or where the money is for my account. I know that the balance that I am still showing owe is not right. When I log into my account it always shows that repayment is to begin the following month. They don't have an answer for that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I am trying to link my capital one account with XXXX XXXX to review my credit reporting and capital one is blocking me from linking my account. I called capital one on XX/XX/2018 and they said they are unable to fix this. I just want to be able to have an up to date way to track my credit score. All of my other banks were able to link including XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
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:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 
XXXX XXXX XXXX {$160.00} XXXX XXXX {$160.00} XXXX XXXX  XXXX {$270.00} XXXX XXXX  XXXX XXXX {$110.00} XXXX XXXX {$190.00} XXXX XXXX {$23000.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$2000.00}

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 2019-02-12
Company: DISCOVER BANK
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Written request was made to the company via mail as well as via to a point of contact at the company who acknowledged receipt of notice to cease and desist. They have continued to call repeatedly after receiving my formal request to only communicate with me via email or in writing due to conflicting information given to me by different individuals who supposedly work for this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by ProCollect regarding an apartment that I gave early notice to due to health and safety reasons among many others. I told ProCollect I didn't agree with the charges and they told me to fax them a letter of denial/appeal, which I did. I faxed this letter of appeal on XX/XX/XXXX. I called to check on the status of my appeal and was told by Ms. XXXX at extension XXXX that she didn't see my letter in the system yet but not to worry as it takes time to get put into their system for the collection agents to see that. She said they would call me back. Next call I get from Pro-Collect was from an agent that knew nothing of my appeal letter and didn't seem to be interested in looking for it so I asked to be transferred to Ms XXXX but was hung up on instead. I tried calling back but was rudely put on hold till I finally hung up as i had no more time that day to hold. The very next day I get an alert from XXXX XXXX that a collection was put on my credit. This company denied me my right to appeal this debt before damaging my credit. I am a good steward of my credit, and this is the only blemish I have and it was put there in denial of my rights. I am outraged that these companies are allowed to operate as if they make the laws, and people have no rights. I am sure that my rights have been violated. My appeal was never heard before damaging my credit for the next 7 year of my life. I can provide the appeal letter sent to them as well as proof of fax that I received showing it went through to them. As I am writing this, Pro Collect called again and care nothing of the fact that I sent them a letter of appeal. They are like robots that read a script and threaten you without actually listening to anything you say. Shame on these people, and shame on a system that allows people to be treated so poorly. I have excellent credit and have never defaulted on anything in my life. These collection calls are new to me, and I am now realizing how people are treated as if they have no rights. This is barbaric and has got to stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: GOLDMAN SACHS BANK USA
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I received a solicitation from XXXX by XXXX XXXX in the mail on XXXX/XXXX/XXXX addressed to my XXXX XXXX XXXX daughter saying she is eligible to apply for a personal loan. I called XXXX ( XXXX ) to request they remove every individual at my mailing address from their solicitation list. The XXXX representative asked for the names of all individuals in the household, which I refused. The representative said they would not be able to remove " everyone '' at the address unless I gave their names, and suggest I contact every credit reporting company with my complaint. I disagree with this practice as it violates my childrens ' right to privacy and protection against predation. XXXX XXXX has no need or right to request the names of my children.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: Tribal Lending Enterprise, Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On or about XX/XX/XXXX I borrowed XXXX dollars. I was required to pay XXXX my first payment which only covered XXXX dollars of my principal balance. If I were to pay off in full it was about XXXX. I have noticed that XXXX dollars is already well over my 25 % gross monthly income which according to Nevada is against the law. I had to asked to skip a payment XX/XX/XXXX and I was granted it due to me not being paid. My income fluctuates weekly, since I am hourly and not paid during time off or holidays. I asked on or about XX/XX/XXXX to skip my next payment on theXX/XX/XXXX but was denied due to they are already pushed back the loan and offered me to pay XXXX instead. I can not afford that, so they put me down for that payment. I told them I am having a hard time paying it off and they just didn't seem to care. I shouldn't be required to pay this loan back or be threatened when my next payment does not go through. As they broke the Nevada law according to the below information. I will never apply for a payday loan again. 

XXXX XXXX XXXX XXXX XXXX XXXX 

Loan Terms : Maximum Loan Amount : 25 % of expected gross monthly income Loan Term : 35 days

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 2019-02-12
Company: Premier Holdings
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by telephone by a company called Premier Holdings regarding a credit card I supposedly had 12 years ago and did not pay. First of all I have no recollection of this and told the woman that. She immediately threatened to sue me and said something about my current vehicle which I did not understand, and when I asked her to repeat what she said she said she was no longer going to talk to me and hung up on me. I have received nothing about this matter before this telephone call. The woman ( Miss XXXX ) was beyond rude and hateful. She had no desire to explain things to me just when and how much could I pay or someone would appear at my door to serve me to appear in court. I called back and asked for a supervisor and received Miss XXXX who refused to let me speak with anyone and again was abusive. Who is this company and how are they allowed to treat people like this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize the following inquiries so please remove them expeditiously. 

XXXX XXXX, XXXX  XX/XX/20 XXXX XXXX  XX/XX/20 XXXX XXXX XXXX XXXX  XXXX  XX/XX/20 XXXX XXXX  XXXX  XX/XX/20 US SM BUS ADMIN ODA XX/XX/20

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 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
When I pulled myTRANSUNION credit report on XXXX XXXX after being denied a loan. I saw XXXX XXXX had put two collections on my report 1 for {$100.00}. Both XXXX XXXX  1-for {$2000.00} plus I contacted XXXX XXXX immediately. I spoke to a rep there and asked her about the bills she stated that they were from XXXX. she said that they had been sending the notices to XXXX   XXXX XXXX XXXX nc and a fraud #. XXXX. ... I told her they were not mine. I told her that I had XXXX XXXX XXXX and Medicare insurances at that time and my address was not XXXX XXXX  but I changed my address from XXXX XXXX XXXX XXXX XXXX XXXX  nc as per the XXXX XXXX XXXX XXXX. ( to  XXXX XXXX XXXX XXXX nc XXXX ) usps confirmation of change was made on XXXX XXXX 
At that time she changed my info to what I stated was address and phone # and she said I had to pay it because it had been too long and my insurances would not pay them now ..I told her they were not my responsibilities. I contacted transunion and they did a investigation and only took one if the place XXXX medical bills off my credit. Why not both they were at the same time & same place she said ..they took off the {$100.00} bill but left the {$2000.00} plus on my REPort. And transunion then put a seven year credit freeze on my report without my consent. I want them both taken off.. They are fraudulent charges I have a identity theft file registered with the FTC. Also the office of the comptroller for currency recently confirmed via letter to me on XX/XX/XXXX over 20 fraudulent credit inquiries and apps thru XXXX XXXX XXXX that was also fraud along with many other entries..

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 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is DOB XXXX. I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED ACCOUNT THAT I HAVE REQUESTED REMOVE DO TO FRAUD RELATED ISSUES. PLEASE DELETE : 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 2021-04-07
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sent a Payoff request to this company via the email XXXX as per that companies instructions. The first request was sent XX/XX/2021, the second was on XX/XX/2021. I still haven't gotten the payoff quote so that I can pay off my mortgage.

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 2021-04-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hello my name is XXXX XXXX I sent debt dispute letters 40 days ago with no response listed below are the accounts In dispute. 

Credit Bureau-XX/XX/XXXX XXXX Original Creditor : XXXXXX/XX/XXXX),XX/XX/XXXXXXXX Original Creditor : XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, N/A, XXXX, XXXX, N/A, XXXX, XXXX, XXXX, XXXX I mailed these out on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Experian Information Solutions Inc.
State: WI
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:
You can not dispute a problem on Line unless you agree to their '' term and Conditions '' This means you Accept their investigations, which do not exist and any response from the companies as '' certification '' s always accepted by the Credit reporting agencies ( the big three ) You can not invoke all rights and none waived ever. I tried to put this in my consumer statements. removed by them.

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