BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-15
Company: EQUIFAX, 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:
I got my credit checked today XX/XX/2019 because I am trying to buy a new car but I was told that I didn't get approved for the car loan because there are many accounts in negative standing on my credit report. I looked through each of those accounts and none of them are mine. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I discovered that these accounts belong to someone names XXXX XXXX ; I don't know who that person is nor do I have any type of affiliation to that person. I did not benefit anything from these accounts that were opened without my permission such as money, goods, services or any other benefit nor did I ever make any payments or purchases using any of these accounts. I have already filed a police report regarding all of these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Bread Financial Holdings, 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:
I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

This account with XXXX/XXXX XXXX with a balance of $ 2000+ is fraudulent and I wish to have it removed. 



XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I requested Experian to delete the names and addresses which are listed below except my Name and Address as shown in the attached copy of my Government issued identification card which I attached. 

The Bureaus did not make changes as I requested to protect and avoid my possible 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 2019-06-11
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient told me that I did not qualify for the loan forgiveness program when actually I did and they directed me to their other programs to lock me in making what I owe now weigh more than what the original loan amount was

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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:
THE ACCOUNTS LISTED ARE FRAUDULENT FOE YEARS SOMONE HAS BEEN USING MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XX/XX/XXXXand XX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Waypoint Resource Group, LLC
State: WA
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:
WAYPOINT RESOURCE GROUP , LLC ( Opened XXXX XXXX, XXXX ) add a collection on my credit reports. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. 
Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me the you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent or Agent of Service. 
Since you are still reporting this account on my credit report, you are now in violation of the FCPDA.I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
In XX/XX/XXXX, my 1st and 2nd mortgages were held by XXXX. After trying to proceed with loan modifications for both loans, I was not given any resolution. Instead, both loans were sold off instead of responding to my request. The 1st mortgage went to XXXX XXXX Loans and the 2nd loan went to XXXX XXXX which is now XXXX. This 2nd is listed as a charge-off with all three credit bureaus, however, the dates vary as to when the loan was placed in default. The total current amount due is {$56000.00}. My credit reports shows the last payment made on the 2nd was XX/XX/XXXX. Yet each credit bureau shows differing dates of either XX/XX/XXXX or XX/XX/XXXX. I have tried to dispute this 2nd loan with all three credit bureaus and it has worked against me. I have proof of the documentation and it states the statute of limitations has passed ( 4 years in California ). I am upset at the fact that XXXX sold this loan off instead of making arrangements with me to modify. Now, XXXX keeps changing the dates this loan was purchased and it is reflecting on my credit reports. I would like an investigation done to have the dates updated. I know XXXX XXXX had a case against them due to this very issue.

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 2018-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
CAPITAL ONE 360/XXXX XXXX XXXX WHY DID THEY FREEZE MY ACCOUNT XXXX XXXX XXXX? WHY DID HE DEFRAUD ME? WHY ARE YOU LETTING THIS MAN COMMIT ACTS OF FELONY ON THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS IT BECAUSE I DIDN'T GO AND SIGNED MY FILE WITH THAT HIM AND HIS OTHER BANKER XXXX XXXX XXXX CEO, Chairman & Director, XXXX XXXX XXXX XXXX XXXX XXXX , Massachusetts XXXX Phone : XXXX AND XXXX XXXX CEO WHAT ARE YOU AGENCY GOING TO DO ABOUT THIS?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Experian Information Solutions Inc.
State: MI
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 tryed to dispute these accounts back in XX/XX/XXXX XXXX bank, XXXX, and XXXX  XXXX  with all three CRA. I have attached documents showing what they sent me ; also Ive attached information from Experian showing multiple names for me and multiple addresses this should not be on my report all of these names for one person. I asked these companies to send me something with my signature or an original signed contract but the results were the documents I have attached. Also XXXX XXXX was deleted off of my credit report that was reporting XXXX but the CRA is still reporting this XXXX 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 non-monetary relief
Consumer complaint received 2020-11-16
Company: Phoenix Financial Services LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/2020 a claim was entered to the major reporting companies for XXXX dollars. the debt reported was once removed from the major reporting companies ( XXXX and XXXX  ) This was old debt from an ambulance ride. in 2020 it is hard to tell what is real and what is a scam anymore. I asked 3 times for a verification of debt in the mail. however, nothing was received on my end. Phoenix said they sent 2 letters out. the third time I asked the man I spoke with laughed and said " Nah man '' and hung up.this was at XXXX XXXX. I also said I would call back the following day after looking to see if my father confused this mail with his. the collector was very rude. so I figured it was a scam. in the beginning of XXXX it was back on my report. assuming phoenix bought it from the previous collection agency. they have called multiple times daily, at all hours of the day and night. IN THE MIDDLE OF A PANDEMIC. nothing in the mail, and an insane amount of phone calls at all hours of the day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Navient Solutions, LLC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
DEPT OF ED/NAVIENT has reported inaccurate information regarding my payment history. They are reporting 90 days late for XX/XX/2019 this is impossible because I was on time in XX/XX/2019 and XX/XX/2019. I was never late on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: AES/PHEAA
State: OH
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:
This student loan was submitted and approved on line by an identity thief. I have submitted over 100 copies of the police report and federal identity theft report over the last 8 years. The company refused to provide the on line application IP address and supporting documents to both the local and state police. The company refused to submit the same information to the federal ombudsman during her investigation. The company refused to provide where the money originated and where it ended up. 
The company has filed to withhold my federal tax returns and any other federal monies owed to me ( over {$20000.00} so far this year ). When I contacted the company 's lawyer, he told me " so what, you owe it because your name is on the online application ''. 

Since the company refuses to work with the state and local police to find the thief, I can not prosecute. 

The company has now placed over {$120000.00} in interest and penalties on this illegal transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Multiple inquiries that did not result in an account were placed on my credit reports that were not mine. I asked that these items be removed immediately. I have sent letters to the credit report agencies and have gotten no response in return.

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 2020-11-16
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV Funding is improperly and impermissibly reporting an account to the XXXX, XXXX  and XXXX  consumer as an unpaid " collection '' when the original XXXX XXXX XXXX account was removed due to fraud. Moreover, the account has been reported twice to each of the agencies - some with delinquencies reporting as late as XX/XX/2020. Complaints to LVNV Funding and the credit reporting agencies have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: BROKER SOLUTIONS, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am applying for a loan with Broker Solutions Inc., dba New American Funding, ph XXXX and they have increased my appraisal fee and discount points fee in the middle of the process ( started XXXX XXXX, 2021 ; closing is scheduled for XXXX XXXX, 2021 ). 
Discount points rose from {$510.00} to approx. {$1500.00}. 
Appraisal fee rose from {$490.00} to {$950.00}. 

Is this allowed by law? If not how can I challenge these fees?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TekCollect Inc.
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am currently being XXXX  by a woman named XXXX  from Tek Collect her number is XXXX. She said my wife XXXX XXXX owes her old XXXX  Dr XXXX XXXX XXXX of XXXX  Rhode Island {$660.00} plus fees. I explained we do not owe that. This XXXX  has already stolen {$24000.00} cash from us. Let me explain My wife needed a XXXX  XXXX  we had a great XXXX  pull the remainder of her XXXX XXXX and put XXXX  in. All Dr XXXX  did is have a XXXX  made and screwed that XXXX  to the XXXX. He told us he only does the best XXXX made of solid porcelain it is hard so it will last 30 years. It is however expensive because it takes a long time to make and is hard to cut and drill. So as he requested I paid him {$25000.00} out of pocket upfront only to later find out he put in a cheap acrylic XXXX  that only lasts 7 years which all other XXXX  charge {$2000.00} for. Then to make matters even worse the XXXX  was defective costing me an additional {$1600.00} to replace that broken screw that the defective XXXX  kept breaking on the XXXX. The technician explained it like this. The back of the XXXX  was not touching the XXXX  so my wife would bite down and the XXXX would go down acting like a lever breaking that same screw each year. Right now he has taken {$26000.00} from me for this {$2000.00} XXXX, for a full XXXX. To fix the XXXX  he had the technician cut off the XXXX XXXX. So now I tell XXXX  I paid for a full XXXX  and he only gave us a partial XXXX  he owes me money. She said well I will tell him you dispute this charge but he says you owe it, if he says you owe it, then you owe it. since you said you will not pay it we will ruin your credit. It will remain ruined, the only way to get your credit back is to pay us directly in full. We will be mailing you a letter explaining your credit problem and how there is only way for you to fix it.XXXXXX/XX/XXXX he put the XXXX  in. XX/XX/XXXX he replaced a broken screw cost {$260.00}. In XXXX I paid {$660.00} for a broken screw. In XXXX another {$660.00} for same broken screw. XX/XX/XXXX he replaced the screw and cut the XXXX XXXX  off he sent me a bill for {$660.00} that is what I told XXXX I do not owe because that expense was incurred because of a defective XXXX. 

Attached please see XXXX of defective XXXX  before and after he cut the XXXX XXXX. Also attached most of the payments I made to this XXXX  including the disputed bill from XX/XX/XXXX showing he replaced a screw again. 

XXXX  license number XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Rhode Island XXXX XXXX XXXX is XXXX years old

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Army and Air Force Exchange Service
State: GU
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: Other problem getting your report or credit score

Complaint:
I am a XXXX XXXX XXXX XXXX and I have a Military Star Card credit card. The Military Star credit card program is administered by the Exchange Credit Program or ECP. The Army Airforce Exchange Service ( AAFES ) is custodian for the Exchange Credit Program Military Star Credit card. The ECP further reports the payment history and status of each military star card to XXXX  credit bureau. Although all other military servicemembers and veterans military star cards are reported monthly to XXXX, the military Exchange Credit Program and the Army Airforce Exchange Service continues to discriminate against me by willfully failing to report my Military Star Credit Card excellent credit history to XXXX. The ECP and XXXX administrators are willfully conducting unfair pattern and practice against my excellent military star card payment history further preventing its contribution to my XXXX  credit rating. The ECP and XXXX  further reported my Military Star card to Transunion but they added a fictitious late payments for XX/XX/XXXX and XX/XX/XXXX on my Transunion credit report as admonishment because of my complaints. My Star card is paid by automatic debit from my direct deposit checking account monthly and it is impossible to receive a late payment. My military star card has always been paid by direct debit from my direct deposit checking since it was opened.

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 2021-02-02
Company: TRANSUNION INTERMEDIATE 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 status incorrect

Complaint:
I sent CERTIFIED letters to EVERY collection agency on my credit report on XX/XX/XXXX. The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. In accordance with Federal laws these companies had FIVE days to response and validate these debts and had 30 days from when the bought the accounts to notify these accounts and never did that either either actions. I have NEVER received any letters indicating there were any collections on my credit files until recently when I accessed my credit through XXXX XXXX I also sent a 609 letter, a method of requesting the removal of negative information from your credit report, thanks to the legal specifications of section 609 of the Fair Credit Reporting Act. All credit bureaus have not even notified me they received my disputes even with CERTIFIED LETTERS SENT TO EACH BUREAU ON XX/XX/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 2021-11-04
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Conserv account has been paid. 

This item paid collection account from XXXX XXXX account number XXXX paid in full XX/XX/2019 is inaccurate because I have paid off the collection account. I am requesting that the item be removed to correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: R & B Corporation of Virginia
State: VA
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: Problem with personal statement of dispute

Complaint:
CREDIT CONTROL CORPORATION XX/XX/2022 I have disputed this accounts as they are collection agency collecting on a debt and I do not owe the debt to them as there are no contracts or agreements stating such. I have requested chains of ownership and have yet to be furnished with sufficient documentation. Please remove from my credit file immediately as this is affecting my livelihood

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$680.00} XXXX XXXX  {$130.00} XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$180.00}

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