BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-14
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There is a collection account listed on my credit file from an apartment complex. At no time did they ever notify me of this debt. I demaned proof as per the STATE OF FLORIDA landlord tenant law they had to send me information within 30 days the move out date. I did send them a certified letter letting them know they were out of compliance and that this should not have hit my credit report and they are still reporting the debt which is a clear violation and I want this removed from my credit file ASAP! I do not care about the deposit I just want this off my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i check my credit report and notice some inaccurate addresses on my report thats not mine and i would like for them to be delete it from my credit report.i have attached an update letter to correct my personal information stated on XX/XX/2020 to the TRANSUNION, XXXX   AND 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 2021-04-30
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is trying to collect on behalf of XXXX XXXX XXXX for a debt I do not owe. I have asked for a contract with my signature, disputed with the credit bureaus, as well as verification that I am responsible. They just provided a statement and my name does not appear on anything they have. However, they are still attempting to try to collect from me because of an association with the people on any documentation. I am not responsible and they have not provided ANYTHING to prove otherwise. I thank you in advance for your help in resolving this matter.

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 2023-07-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I went to XXXX XXXX XXXX in XXXX XXXX, Ca. to buy an electric winch for my truck at a sale they were having. The cashier at the store offered me a 10 % discount if I would sign up for the XXXX XXXX XXXX credit card. I did and was supposed to receive it within 1-2 weeks. I never received a card of any kind I still have not, even after talking to 3 separate store managers. 
I received my 1st bill about XXXX. The bill contained a new charge of {$1400.00}. I immediately called customer service and after being on hold for almost 2 hours, I was transferred to XXXX in the fraud dept. He took my info and I received a questionare on XXXX from the fraud dept.which I filled out and returned immediately. On my next billing statement, the fraud charge was removed. The credit card was changed from card ending XXXX to one ending in XXXX. Still no real credit card has showed up, but I was charged {$10.00} in interest. 
Since that time, I have received billing statements every month. My balance has grown by almost {$100.00}. I have written and sent them 2 letters but they don't respond.

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 2023-10-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed disputes with each credit agency ( Equifax, XXXX and XXXX ) regarding the student loan balance with XXXX. 
My student loans were transferred by XXXX to XXXX in XX/XX/2023, however the loan continues to be listed as open on my credit report. 
Dispute filing disputes with each agency, XXXX still refuses to report the loan was transferred and my account is closed. 
My credit report continues to show I owe double the amount of student loans when that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: TX
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, and this is my official notice that I've been a victim of a crime. The Fair Credit Reporting Act ( FCRA ) Section 605B offers identity theft victims with critical protections that can help them recover more swiftly. An Identity Theft Report can be used to permanently remove fraudulent information resulting from identity theft, such as accounts or addresses, from a victim 's credit report under the FCRA 's sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). 

I have tried to contact this company a number of time, it still continues to report the fraudulent accounts in my credit report. Below are the fraudulent accounts of my concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX I am attaching my previous dispute letter that I had sent them including a fully signed FTC report document for your analysis and review

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX, we were presented with the opportunity to consolidate my husbands student loans with mine, to reduce our monthly payment. Being that we were both XXXX, also going through grad school, with a XXXX, we thought this was a way to keep ourselves on track to eventually pay off our high student loans. We were in a situation where we had minimal income, a small family, and classes we still had to take to make a decent living wage as XXXX. We consolidated into a FFEL Spousal Consolidation Loan. Little did we know that by signing on that dotted line, that we would put ourselves forever in debt, with no possibility of receiving the Public Servant Loan Forgiveness available to XXXX  like ourselves. Once we conceded our loans to this now defunct program, we disqualified ourselves from many benefits other student loan holders have. Had we been told this, we never, ever would have committed to this. We have paid our loan religiously since then, and havent even taken a single dollar off the original principal value of the loan. We actually owe more now, over 15 years later, than we did the day we entered into the consolidation loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I had repeatedly asked the company to send me proof that I owed the debt and they refused to send a letter stating they sent to to an old address. They also cursed me out, called me names and said I would be arrested if I didnt pay them. I asked for a certified mail to prove I owed the debt. The collectors sounded like scam artists and asked for my social security number, mothers maiden name, birth place and bank account information. They could not provide me full information of the debt and they refused multiple times to verify the debt with me and send me a letter so I could pay the debt with a money order and not my personal bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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 XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: AMERICAN HONDA FINANCE CORP
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I entered into a consumer credit transaction with American Honda Finance Corporation on XX/XX/19. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, American Honda Finance Corporation took cash as shown in the attached documents. The finance charge also includes insurance, but i was made to purchase my own separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I submitted a dispute letter demanding an investigation into inaccuracies on my credit report on XX/XX/2023 ( attached ) and have yet to hear back from Equifax as of XX/XX/XXXX via mail or any other form of communication with the status of the dispute and updated report. I have sent out ANOTHER letter with proof of identity AGAIN stating that Equifax is going into a 30 day noncompliance by law by not responding and is reporting inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
i already contacted the company in XX/XX/XXXX, on the XX/XX/XXXX that's my second time i'm trying to contact the company.

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 2022-01-27
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
i already contacted the company in XX/XX/XXXX, on the XX/XX/XXXX that's my second time i'm trying to contact the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
mohela FSA XXXX not crediting pslf covid and other credit to loan wrong number of payments not refunding due money not properly crediting loans for borrower defense first borrower defense app XXXX XXXX schools numerous apps since then claim they dont have first XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX emails chats no resolution falsehoods and excuses

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: TX
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 checked my credit report and noticed unfamiliar accounts on my credit profile. I have filed an Identity Theft Report ( Please see attached )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
However I have not had any accounts with your company, and I cant recall if I have gotten any calls or letters from you. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. It's not my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Several times this week, I started receiving a call from an unknown number. I called the number and was told that it was in reference to a personal matter. I asked for the company name and was informed it was a company by the name of Convergent. While speaking with the representative, I looked up the information on the website. It was at this point that I realized that I have spoken with them several times over the last 2 years, inquiring about several different people ... .none of whom I knew. When I asked how they received my number, they hung up the telephone or said hold on and never would return to the telephone. After calling several times, I was told that they were in error and that my telephone number was taken out of their system. As of this week, the calls have resumed. When I asked to speak with a manager or supervisor, I was again placed on hold. When I hung up and called back, there was a message stating that they were closed. This same company continues to contact me with various names and from several different telephone numbers. I am once again blocking this telephone number, but it's just a matter of time, before they start again, from another number. 

Convergent clearly needs to be investigated and stopped. The random calls to unknown individuals, is absolutely ridiculous. They have given at least 4 different names over the last 2 years.

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 2019-11-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: Bread Financial Holdings, Inc.
State: CO
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:
XXXX is purposefully trying to alter my credit score in a negative way because I have previously filed a complaint against them for incorrect information. My commenity bank buckle account is not a charge off the account is paid in full. I have the paperwork here to support that. Since I filed a dispute on XXXX a month or so ago they have purposefully lowered my credit rating XXXX points and then again XXXX points, even though I have taken my credit utilization below 30 % and paid all my bills on time. They currently list my available credit at 100 % and yet they keep lowering my score. This is not correct business practice. My husband and I are trying to buy a house and I believe that XXXX is purposefully targeting me and altering my credit report. My commenity bank buckle account was paid in full and closed in XXXX. The correct wording needs to be applied to my account and it is not a charge off. My XXXX XXXX is not a change off either. I have disputed both of these accounts before in the past and they have corrected the information, then in the last few days XXXX has decided to purposely alter my credit report to harm me. They are doing this on purpose and they are doing bad business and affecting my life in a negative way. I have worked very hard the last two years to improve my credit score and pay off my debts. The other two credit bureaus reflect the correct information and they have improved my score to both over XXXX currently and reflect the right information as of now. This is abuse by XXXX and I am really hurt and frustrated. Please look into their behaviors and this error. This is not fair or correct

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I AM NOT SURE AS TO WHEN EXACTLY WHEN THIS TOOK PLACED BUT WHEN I NOTICED IT I DECIDED TO TAKE ACTION RIGHT AWAY. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE SO MUCH I WOULD LIKE TO ACCOMPLISH BUT BECAUSE OF THE STATE MY CREDIT IS IN THERE IS NOT MUCH I CAN DO. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: AmeriCollect
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XXXX I sent out a letter to all 3 credit bureaus letting them know I was unaware of there collection. they are affecting my score and by law the bureaus have 30 day to respond back. I not got any response and do not believe that these collations belong to me.

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