BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-19
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which is what has occured on my credit report. I fear that Federal law has been broken, and that my rights as an American citizen have been violated as no physical verification of the original signed contract has been presented for any of the following accounts on my credit report : - XXXX XXXX XXXX - XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX  - XXXX - XXXX XXXX XXXX   XXXX - XXXX XXXX XXXX XXXX XXXX - Dept of Education/XXXX  - XXXX - Dept of Education/XXXX  - XXXX - Dept of Education/XXXX   - XXXX - Dept of Education/XXXX  - XXXX - Dept of Education/XXXX  XXXX XXXX - Dept of Education/XXXX  XXXX XXXX - Dept of Education/XXXX  - XXXX - Dept of Education/XXXX  XXXX XXXX - Dept of Education/XXXX  - XXXX - Dept of Education/XXXX  - XXXX - Dept of Education/XXXX  - XXXX - Dept of Education/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX - Through The Country Do - 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 2020-11-02
Company: Bridgecrest Acceptance Corporation
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This is a supplement to my complaint filed XX/XX/20 against Bridgecrest. They illegally repossessed my car even though I've never had a late payment and all payments were up to date. They charged me {$910.00} in fees ( {$290.00} repossession fee, {$270.00} for a key, and {$340.00} for impound ) plus I had to pay the entire loan balance or they were going to sell the car at auction. They admitted they never really ordered a key for {$270.00}. They will not give me a receipt for the {$340.00} impound. They sent me their transaction history and said that is good enough. However, it is not good enough. I need a receipt that says what the {$340.00} was for. The transaction history does not say. My insurance will not reimburse me without a receipt. They have stolen money from me and refuse to return it. Also, they said they are reporting the repossession on my credit report even though I've never had a late payment and the loan is now paid in full. Please investigate these people. They are scam artists. I have spent hours on the phone with these people to no avail. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experian, XXXX  and XXXX  arent complying with my dispute request. I sent them a letter on the XXXX of XX/XX/2020 which was my initial dispute. I then sent another letter on the XXXX of XX/XX/2020, which was a thirty ( 30 ) day demand to comply and they still havent responded.

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 2023-03-01
Company: Experian Information Solutions Inc.
State: OK
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:
Experian Report # XXXX. 
XXXX wireless XXXX Is not my account. This account pertains to someone else with a common name like mine. I have never received notification of this debt nor the opportunity to dispute. This is falsifying information on my personal account that can affect my employment.

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 2023-01-23
Company: Experian Information Solutions 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:
My consumer report shows negative items reported inaccurately and without my consent. A charge-off is reported as debt when it is defined as income, according to the IRS. Also, I did not receive the opt-out disclosure regarding my non-public information being shared with third-party companies, nor did I give consent. The attached documentation further explains my claim.

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 2020-11-02
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am writing this letter about a Credit Bureau dispute with Sallie Mae. This account is up to date. I have uploaded a School Verification form twice. I have also spoken with 3 different counselors from Sallie Mae and I was told this would be taken care of. I have been harassed by this company every day since XXXX, 2020. I do not owe anything at this time except monthly payment that I have always made on time. My daughter has an in-school deferment that they have and have not processed. I am requesting they take off the extra monies, fees and send a letter to the credit bureau to restore my score. Sallie Mae needs to update my account and halt the harassing phone calls and take care of this matter ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Their claiming I owe {$420.00} I don't know where this is coming from and that I need to contact XXXX services on or before XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
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 am a victim of identity theft and have been trying to get these unauthorized inquires off of my credit. I called, I have sent in letters and I have tried reaching out to the credit bureaus to have these unauthorized items removed.

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 2018-10-02
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have been harassed by a company named XXXX XXXX XXXX. XXXX. They're calling about a debt with XXXX ( acc # XXXX ) that dates back to XX/XX/XXXX. They're calling my family, my employer and I average about 30 calls a day from them. EVEN THOUGH I told them on XX/XX/XXXX to " cease and desist ''. I called them AGAIN today and asked them if they knew about the FDCPA? THEY HAD NO CLUE. They also claim they have another account in their office for XXXX XXXX? ( account # XXXX ) from XX/XX/XXXX. I asked them on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX to STOP CALLING and they still call! I've asked if they keep notes or they record their calls? THEY hung up on me! PLEASEEEEEEEEEEEE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-02
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My husband passed away XX/XX/XXXX. I was told by our credit monitoring personnel that I needed to freeze my husbands credit in order to cancel his credit monitoring account. I wrote a letter to Equifax and mailed the letter XX/XX/XXXX. This letter had all our personal information either attached to it or in the body of the letter. Included were copies of my husbands death certificate, my drivers license, my husbands drivers license. In the letter I gave both our social security numbers, dates of birth, and address. I did call Equifax to verify the correct P.O. Box to send this to. In XX/XX/XXXX, I had not heard from Equifax, so I called and talked to a customer service person who told me there is no record of receipt of my letter or attachments notifying of my husbands death. I am really afraid to mail another letter even if it goes Certified mail. I was told the only way they will accept this notice of my husbands death is by mail. I believe my letter and all our personal information is either lost in the mail or received by Equifax and is sitting on someones desk. I did receive a copy of my credit report and put a freeze on my own credit during my XX/XX/XXXX phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: TD BANK US HOLDING COMPANY
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: Their investigation did not fix an error on your report

Complaint:
I opened this nordstrom account many years ago. I paid it off when I moved overseas. While living overseas `I was a victim of identity theft. I made several attempts to contact this company while overseas but to no avail. I even ended up paying most of the outstanding balance which was not my collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
The bureaus not following the law.. They have not provided me with any of my investigation results.. I have sent out several disputes and they are not complying with the law.. I demand concerns be resolved and deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-01-15
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:
In accordance with the fair credit reporting act XXXX, account XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed a unverifiable bankruptcy listing on my Transunion credit report several times. Transunion states they verified the public record as accurate. I contacted the bankruptcy court and they stated they did not validate that record. they sent me a letter stating that they did not report it to any of the credit bureaus. I sent that letter and a copy of my FTC identity theft report to Transunion requesting that they remove the inaccurate listing immediately as it is causing me damages and the benefit of a good credit rating. they still continue to report the item which is willful noncompliance.

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: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter stating my name from the dept collection agency that I need to pay {$7000.00}. Which is I never open this account. 

Original Creditor : XXXX XXXX XXXX  Current Owner : LVNV funding LLC Reference no : XXXX Balance : {$7000.00} Thanks Again XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Patient Accounting Service Center
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The XXXX  was supposed to submit the bill to XXXX and they sent it to my secondary ins. co.instead!!!! I'm on full XXXX and " NEVER " paid a hospital bill EVER!!!! I I assume they fixed their incompitance since I never heard from them again!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Experian Information Solutions Inc.
State: MS
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. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft Bankruptcy chapter XXXX-dismissed 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 non-monetary relief
Consumer complaint received 2020-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received an investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Spring Oaks Capital, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Item purchased was returned XX/XX/22 {$750.00}

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 2023-10-06
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello how are you doing. So I have a checking account with chime bank, and on XX/XX/23 in the afternoon, my card was stolen and this person sent themselves XXXX dollars, by adding my chime card to there XXXX XXXX. And sending over multiple transactions. And I called chime and after talking to chime customer service they transferred me to there dispute department, and they had me on hold for so long I started to get offended. I really need this situation resolved as soon as possible. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
The two open collections on my credit report are from a company Ive never done business with. Ive never signed any documentation with these companies nor have I ever been in contract with these companies before. These account were charged off by the original companies a few years ago, to my husband loosing employment because of COVID. I have written several cease and desist letters to Midland Credit Management and XXXX XXXX XXXX explaining this to no avail. So I am questing your assistance in this matter, please!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Account XXXX has been disputed as fraudulent information is being reported, I have contacted Experian multiple times as they have failed to provide me with documentation or written verification concerning this account. Experian is reporting this account as open since XX/XX/XXXX, XXXX reported this account open as of XX/XX/XXXX, and XXXX has failed to provide any payment history. 

I have requested and demanded validation on multiple occasions and they have failed to provide me with proof of the debt. Please see below for the dates I have submitted a proper investigation. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX 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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion accused me of using a credit repair company and refused to correct the incorrect data off my credit report which is a clear violation of 15 U.S. Code 1681i.

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 2022-06-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
MY NAME IS XXXX XXXX AND I HAVE BEEN A XXXX CUSTOMER FOR OVER 5 YEARS. AND I HAVE ALWAYS BEEN A RESPONSIBLE PERSON ESPECIALLY WHE IT COMES TO MY CREDIT CARDS. MY FICO SCORE HAS ALWAYS BEEN OVER 730. BUT UNFORTUNATELY IN XXXX OF XXXX I WAS XXXX AND WAS IN THE XXXX  DUE TO THE FACT THAT I HAD TO BE XXXX XXXX. THEREFORE THE PAYMENT WAS LATE FOR THE MONTH OF XX/XX/XXXX. LUCKLY EVERYTHING IS OKAY WITH MY HEALTH AND I WAS RELEASED FROM THE XXXX. IN XXXX I REACHED OUT TO XXXX AND EXPLAINED MY SITUATION, SPOKE WITH 3RD LEVEL SUPERVISOR AND AS OF XX/XX/XXXX THE DECISION WAS OVERTURNED AND THE LATE PAYMENT REPORTING WAS REMOVED FROM MY CREDIT PROFILE. I AM ATTACHING THE LETTER I HAVE RECEIVED FROM THEM. BUT THE BUREAUS WILL NOT CHANGE THE REPORTING BECAUSE THEY ARE TELLING ME THAT XXXX XXXX  IS STILL REPORTING THE ACCOUNT WITH A LATE PAYMENT.

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 2019-02-05
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a part of a XXXX medical bill that was covered by the XXXX XXXX   insurance that I carry with policy number XXXX. Based on the charges I have received from them they include XXXX  and other charges that I haven't gotten either. 

So they are charging me for processes that they have not perform and the charges covered by my insurance company.

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