BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2022-09-07
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
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 been working with the Department of Education and XXXX  for 2 years trying to get a 90 day late payment from XX/XX/XXXX2020 removed that was given to me during XXXX. I was told if I had made a prior payment arrangement or I was given special accommodations and my loans were not delinquent I would not incur a late payment however I did have a special arrangement made. This is causing me so much pain and not to mention the depressive state I am in because I am constantly being denied for loans and funding. THIS IS NOT FAIR and MY RIGHTS are being violated. I am being treated as though I am not a human being. 15 USC ( F ) Reporting information during XXXX pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX ( XXXX ) pandemic during the covered period. 
( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This is not my account. This was open during the year and time frame that my identity gotten stolen. I have disputed this as soon as I saw it on my credit report. After it had done been turned over to collections. 
I did not pay on this account or card. 
Ive never had a credit card with VS. 
I need to DISPUTE THIS AGAIN AND GET IT TAKEN CARE OF AND OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I mailed a letter to RS Clark & Associates requesting that they validate an alleged debt that they were reporting to a credit bureau in the amount of {$200.00}. 

They replied on XX/XX/2019 with what they called " the information validating the debt as required by law '' which had my first/last name ( which also happens to be my ex sister in-law 's name ), account number, and amount of {$200.00}. They also included a page which was titled " collections write-off utility detail report '' with the amount of {$200.00}, it appears to be from the original company of the alleged debt, it says page 12, but this is the only page they sent me from the original company. They also sent an informational 2 page brochure/print out about privacy and health information. The information they sent me on XXXX XXXX was not sufficient information to validate this account. 

I sent a reply letter on XX/XX/2019 stating that they did not provide me adequate information needed to validate the alleged debt and that I would file a complaint if they continue to ignore my request.

RS Clark & Associates replied on XXXX XXXX stating that they are considering my request to be frivolous per the FCRA definition. They stated that they previously responded and fulfilled their duty and verified the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a vehicle and have Capital One Auto Finance as the lender. When I attempt to make my payment it will not allow me to set up my payment on the due date. My payment is not due until the XXXX of the month. The system only is showing me a due date up to the XXXX which is about 2 weeks earlier than due date. I had the same issue last month and called to let them their system is not allowing the due date to show. The representative stated they would pass the information on to determine the issue in order to resolve. I have to either make my payment early or remember to go in closer to the due date to set up the payment for the month. This is unfair to the consumer because they either have to pay earlier than the due date or consistently go back in to see when the date is highlighted to set up the payment on the day they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Experian Information Solutions 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:
I sent multiple certified letter to Experian in XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX asking to veriffy account named " XXXX XXXX '' I received last updated credit report early XX/XX/XXXX and the account still says the account was investigated XX/XX/XXXX, which means the account was never verified per my last letter. By law this account is to be removed immediately due to the account not being investigated within 30 days of my last dispute.. IN addition to this I have sent multiple letters to have this account verified. I have no such account for said amount and there has been no paperwork sent to me for the said account verifying accuracy of details or amount but the company parroting the information and not verifying. I am simply asking for this account to be deleted permanently due to the dispute being over 30 days and unverified data after multiple letters asking to remit said detailed account.

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 2023-06-17
Company: Avant Holding Company, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have closed this account since XX/XX/2022. The balance was XXXX XXXX  {$300.00}. I have been paying XXXX XXXX {$45.00} every month, sometimes more and the card never goes down but instead it goes up. They are still charging as if the account is still open. For example my last payment at the end of XXXX was XXXX XXXX dollars and the cards balance was {$300.00} but when I look at the balance now ; is still {$300.00} even after the XXXX XXXX payment and now they are charging me {$94.00} for the end of XXXX and my card is still in the negative numbers. I do not understand why. I had to call every month and even when I paid early they will not apply the payments because I was " too early ''? I really need help with this situation. All I wanted was to keep paying a regular monthly payment until it was paid off but this card is a scam to me. And it is also affecting my XXXX XXXX. This js the only card I have issues with. I paid off XXXX and XXXX with no issues except this Avant LLC card. I am a XXXX XXXX XXXX XXXX woman trying to make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: EQUIFAX, 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:
Per the attached log of disputes, I have twice tried to correct an incorrect address in Equifax 's records of my personal information. Despite being the victim of identity theft ( due to EQUIFAX themselves, of course ), they have cavalierly and recklessly ignored my requests to remove " XXXX, PA '' as a previous address. They know it is not a previous addressthat is where one of the identity theft frauds originated. 

I have attempted, a third time, this week to make this correction ( dispute ) over the phone with an Equifax employee. I have never received an acknowledgement of the findings or resolution or non-resolution of my previous disputes about this issue. Nothing. If it were not listed on their website, I would not have known. 

So many violations of the FCRA it makes my head spin. Of course, this error has probably now spread to the other two credit bureaus, so I will have to file disputes all over again with them again, and again, and again. 

I am beyond furious that they enabled the theft of my identity and I got no compensation except free credit monitoring, because, of course, my time and well-being are worthless. That is a rant, not germane to this complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My account was in forbearance due to unemployment around the middle of 2019. Around XX/XX/2019 I get a notification that my credit score dropped over 120 points. Upon looking into this I discovered that XXXX reported it being over 90 days past due when it was not, the account was in financial hardship forbearance. When I called them to clarify this they stated that my account was 90 days due & that they never received any paperwork for the forbearance which I had mailed out to them earlier in the year. They are refusing to correct the 90 days past due on my credit reports & that they contacted me but I was not contacted at all, I reached out to them once I discovered the inaccurate reporting. If they were sending mail it was to an old previous address which I no longer live at.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX Balance : {$660.00} XXXX XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX  XXXX Balance : {$860.00} 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 Balance : {$600.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$73.00}

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 non-monetary relief
Consumer complaint received 2023-04-12
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I was a victim of identity theft and the credit card company keeps denying my dispute simply because the scammer was able to hack my email and obtain a fake ID with my name on it. The initial fraudulent charge occurred via online transaction ( for in-store pickup ) on XX/XX/XXXX in the amount of {$1500.00}. This was reported to my credit card company. A temporary refund was received on XX/XX/XXXX as an investigation was launched. However, we were notified that this was reversed via email on XX/XX/XXXX. 

The merchant 's invoice receipt indicates the online order was selected for in-store pickup at a store in a city 2 hours away from where I reside. The individual picking up the order had a fake ID that had my name on it. A police report was filed in city of residence, which was then forwarded to the police department that the crime occurred as it was in a different jurisdiction ( the report was provided to the credit card company ). Additionally, the pickup receipt indicates the order was picked up on Monday, XX/XX/XXXX at XXXXXXXX XXXX. At that time, I was at work and there is no possibility of this ( I provided the credit card company with a written statement from my supervisor to back this up also ). This is a clear indication of identity theft ( police report and statement from supervisor proving it could not have been me ). As an XXXX XXXX military service member, I would need prior written approval to be absent during work hours, which did not happen. 

I was contacted by the police department that the crime occurred in and notified that that they are unable to obtain surveillance footage from the merchant, as they do not keep footage more than 60 days old. By the time we received the dispute outcome on XX/XX/XXXX, it had already exceeded this time frame and the police department was not able to assist me. 

Fast forward six months later ( XX/XX/XXXX ), I have re-opened the dispute a total of 3 times now. They keep rejecting my evidence/dispute without providing an explanation. The supporting evidence clearly shows that I did not make or pickup up the purchase but they are not helping me resolve the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-19
Company: Perfection Collection
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit score dropped by 35 points in XX/XX/2018 and when I checked my credit report it was because of Perfection Collection. They say I owe a debt of {$3700.00} to XXXX for an alarm system that I never ordered. It was a family member that ordered it. I was never told about this debt in time to dispute it and also, it is not my debt. I filed a dispute with the credit reporting agency ( XXXX XXXX ) and I also have a problem with how they handled the situation. All XXXX XXXX did was contact Perfection and asked if the debt was legitimate. Of course Perfection said it was legitimate, surprise surprise, so it was left on my credit report ( what type of shoddy investigation work is that? ). 
I then called Perfection myself and asked them to show me proof that I signed a contract with them. They sent me a typed document with my signature XXXX  at the bottom but, it was in the area for correspondence only. In other words, they wanted to let their affiliates contact me so they had to ask my permission. No problem but, it was for correspondence only and not for signing the contract as the owner. They have the real owners email address and they were sending correspondence to him as they should, not me. 
All of the paper work is XXXX up. The wrong names are in the wrong places and it is costing me. 
Also, we have a completley different document from what they showed me and our document is hand written. Actually it is not even a contract, it is statement of the services they will provide. We do not have a copy of a signed contract because there wasn't one. 
I do not know why but, the sales person wrote mine and my mothers name, ( who, was not even present ) in as the customerr ( I still don't know where he got my mothers name from ). He wrote in the name of my brother, the actual owner, underneath our names as the owner which is correct. 
The contract they sent me has my name typed on it ( not printed by my hand ) and a signature that is not mine ( that is fraud, forgery ). It seems they typed my name and then changed the font to something a little more fancy but it is still not my signature and it does not look like my signature, which I can prove. 
It has been 11 months since this hit my credit report ( XX/XX/2018 ) and I am still fighting with this. 
I need someone that can get this removed. 
The documents I am up loading come with an attached instruction sheet that explains what I am talking about. 
I thank you in advance for your prompt attention to this matter. 
XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 a XX/XX/XXXX bankruptcy entry that was placed on my credit report and I have been trying for over 10 months to get this entry removed. I have spoken with numbers of representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX I called once again to speak with a representative and inquired how Transunion verifies their public records. I want to know this information because the public record keeps coming back as mine. I has 3 representatives that told me that thr request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advises that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. Contacted the court and they advised me that they do not disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Transunion back, spoke with another rep this time an they advised me that the information is verified by the runner who goes to the courthouse. I asked what information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they sen over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify and information with the bureaus. Transunion refuses to give me physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Bread Financial Holdings, Inc.
State: OR
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:
After the data breach at the Oregon XXXX, I checked my credit report to look for unusual activity. I discovered one entry that I did not recognize on XX/XX/2023, from " XXXXKAYJEWELERS ''. The description was " XXXX ''. I did not ask for this request for credit and I am concerned it was done by someone who stole my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: PA
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:
Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.

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