BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
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 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. 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. This was already included in my prior COMPLAINT, and I'm including it 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 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 2022-04-01
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2020-10-25
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7600.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2020-05-19
Company: EQUIFAX, INC.
State: FL
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:
Hello to whom it may concern Im a customer of XXXX card Ive had since 2011 they never allow me to get my 1 year free credit report. Additionally they fraudulently lowered my credit limit from XXXX. To XXXX $ discriminated against me because I let my Daughter be a card holder while she was using her user card at XXXX university in Florida . Im a working class so I believe Im being discriminated against, then XXXX card refused my free credit report and lowered my limit and return this lowered my credit report 50 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter from Collection Professional , Inc sent on XX/XX/XXXX20 stating they are collecting for IL XXXX XXXX XXXX for {$1100.00}. I responded via mail onXX/XX/XXXX20 with a letter advising them of my dispute, as this bill is a result of a military on-duty injury. This injury was reported and paid as worker 's compensation. I mailed proof of that ( military documents ) along with my letter and contact information for my drill unit. On XX/XX/2020 I received another letter from Collection Professional , Inc attempting to collect on the same date with no regard to my letter sent to them. This time they included a copy of the bill from XXXX  XXXX XXXX XXXX. I replied via mail again on XX/XX/20 basically stating the same thing as I originally stated in my XX/XX/20 letter and requested that they stop collection practices and warned that I would report to XXXX  and Consumer Financial Protection Bureau if they continue collection. Today I am in receipt of yet another letter attempting to collect a debt, however, this one now shows interest added to the account ( {$1100.00} ). I wish for this company to cease collection practices and properly investigate this debt. In my third and final letter to them onXX/XX/20, I'm including contact information for my drill unit so that they can verify that this is a worker 's comp case and I'm not responsible for this debt. It appears that they are ignoring my request and continue to send the same attempt to collect letters. As military personnel, my credit report/rating is extremely important to me and an inaccurate date can jeopardize my employment and future career and financial related goals. I'm requesting that you contact them immediately ask them to cease collection attempts and remove this derogatory item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent the following email to Navient and to the Department of Education. I 'm making everyone aware of the problem as it appears to me that Navient has been doing this now for quite some time with no resolution. I am filing a complaint and will do so with any other institutions needed as well as filing a lawsuit if need be. I have gone onto XXXX and XXXX and Navient is WRONGFULLY reporting my student loan debt as a negative hard inquiry to these agencies. You are also increasing the balance with interest! I am making the payments requested even after being put on an income plan and was told NO PAYMENTS for 20 years then the entire loan would be forgiven as long as the paperwork was filled out every 11 months. This is not the case and now it is negatively impacting my credit report as well even though every month you ask for a payment as well as charge interest on it meaning it continues to go up and never go down! I want someone to contact to me by email ONLY as it will be in writing. I am further investigating at this time what needs to be done. I expect a prompt response from someone in management at your company in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
My last complaint you responded and said you assume it wasn't me who filed the complaint. I don't see why you think it is someone else. No one is serious about my credit but ME! So please do not try to use more stall tactics to not remove this account. 

On XX/XX/2020 XXXX sent a letter regarding inaccurate fraudulent things on my credit report it has been over 60 days and to this day I haven't received any results. I feel like I am being taking advantage and ignored by the credit bureaus. Section611 ( a ) plainly states that failure to investigate this item within 30 days gives a reason to immediately remove this account from my credit report. Clearly it has been way longer than that. I demand this account be removed immediately or I will file litigation due to the stress you have caused me. My information has been impacted by the Equifax security breach and may have gotten in the hands of the wrong person. Included is also the FTC report that I filed, sent to each bureau and they haven't conducted an investigation for that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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 WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NOT BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT

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 2020-10-25
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my 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 2020-06-30
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:
This was a secured credit card for {$3000.00} dollars and every time I used the card I made sure my payment were made on time through their online payment methods that were provided by the credit card company, however on three different occasions the credit card claim they did not receive the payment or didn't received it on time. After the third time the credit card company made the exact same mistake, I decided to close the secured account of {$3000.00} dollars and take my business else where. The credit card has since charged off the account with an outstanding balance of {$160.00} dollars which is completely not true and I have made several attempts to resolve this issue with the credit card company and through the credit bureaus to no avail. This is severely hurting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: Square Inc
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
CASHAPP On the XXXX of XXXX, 2020 at about XXXX I tried to check my Business Cashapp Account on my phone that I have been running and trading with for over 2 months, which does has countless successful transactions history suddenly disappeared with my {$4000.00} sitting in my balance. 
I tried to login again with my verified phone Number and Email and to my surprise it signed me up on a new account asking me to choose a new cashtag/username. 
I contacted Support via Email countless times and I was asked to answer some security questions which I did but to my surprise their response was that they couldnt trace/find my account that I should go ahead and send them the screenshot of my last transaction with the account in question which I still did but its still all looking like a futile effort which is so scary because I have been so restless and I dont think Id be ok anytime soon until I am able to have access into the account in question. 
The {$4000.00} that is sitting in that account belongs to my customers because it is a business account. 
I have tried all my possible best to talk to the Cashapp representative on the phone looking up their phone number or customer service toll free number but theres non. 
In no circumstances would I let go of my hard earned money to neither a Bank nor an Individual. 
I will be very grateful if your reputable company ( CFPB ) can help me retrieve my account to recover back my money as soon as possible. 
Thanking You in Anticipations ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
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: Account information incorrect

Complaint:
As I have stated before in my complaints the unverified accounts does not belong to me, I do not owe XXXX anything I have included proof that XXXX was paid yet XXXX XXXX continues to report that I do, I do not owe or ever had services from these companies, there is no way they can provide proof of these debt because they are not owed, and it is the responsibility of Experian to verify what they are reporting and that is what I have been asking for, I want verifiable proof of the accounts you are reporting or the removal of the unverified accounts.

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 2021-05-19
Company: ENCORE CAPITAL GROUP INC.
State: IL
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:
There is inaccurate information on my credit report. I have contacted the company on various occasions about the accounts in question, and the company has failed to respond within liable time ( 30-45 days ). Also, the company has not provided the original contract and information on validating this information.

I am requesting that the account be removed and deleted from my credit report immediately. I have sent letters to all 3 credit bureaus and validation letters on the following days. XXXX XXXX 2021. The letters has been sent to XXXX XXXX and XXXX. To date no documentation has been provided. The company has failed to comply with the request for validation. By Law they have to remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Because of the Equifax breech I went online to freeze my report with all 3 bureaus. Two of them went very smoothly. Equifax however is apparently having technical difficulties that spread beyond not being able to secure people's data. While trying to set up my account on "My Equifax" on XX/XX/2019, I went through all the prompts only to reach a screen that said to call their customer care team at a 1-800 number. I did this and explained what happened. They however did not fix my account problem only initiated the freeze over the phone. On XX/XX/19 I was doing some business that required me to temporarily lift my freeze. I logged on to XXXX XXXX and XXXX just fine and performed the process of applying a temporary lift. However, when I got to Equifax I discovered I still was not able to log in. I contacted Equifax and again explained my problem. They did the temp lift on the phone and sent me password reset email. I hung up (unfortunately) and went through the password reset but this of course did not solve the problem. I did not have anymore time to spend on the issue that day. On XX/XX/XXXX I sat down at my computer and again tried to log in. Still did not work. Tried a password reset again. Still did not work. Called Equifax again and the person I talked to said he could not help me but would "escalate" the issue and a supervisor would contact me via email in 24-48hrs. On XX/XX/XXXX (96 hrs later) I still had not received any contact. I called again and was told the same thing. They would "escalate" my issue and now I was told it would take 1 week for a resolution. I am beyond frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Harris & Harris, Ltd.
State: DC
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Over the summer I received a phone call from someone at Harris and Harris looking for my husband. They FAILED to identify themselves as a debt collection agency. They asked to speak to my husband ( it was my cell phone ) and I said they had the wrong number. When I asked what it was concerning, they hung up on me. I called them back to find out what it was about and they hung up on me again. I finally was able to speak to someone and they said it was medical debt but they could only speak to my husband about the bill. Turns out it was actually a bill for my son for an ER visit I had taken him too. The hospital had been sending the bill to the wrong address and then turned it over to collections. The bill was a co-pay I tried to pay the night of service but they wouldn't accept payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: Shermeta Law Group, PLLC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XXXX XXXX i was sued by XXXX XXXX for a car i voluntarily had repossed because they asled of i could borrow money to make a payment, they hired shermeta law group to sue me, i was sued and a settlement was reached, I am also a XXXX employee myself. I have been making payments to shermeta law payable to XXXX XXXX since XXXX, XXXX in the amount of {$200.00} a month, in XXXX of XXXX i was on a temporary layoff for 2 weeks, I contacted shermeta lae that i was on layoff they would not work with me, aftdr notifining them in XXXX XXXX of layoff they stopped sending statements of my account and payment coupon, I made a payment in XXXX XXXX without a coupon, on XXXX/XXXX/XXXX i recieved a letter dated XXXX/XXXX/XXXX that says i defaulted and now i owe the amount of XXXX instead of XXXX, they gave me 14 days to respond, this XXXX XXXX acount still shows on my credit report negative non of the payments made from XXXX to XXXX are being reporte to my credit report, i also have fmla due to a XXXX so i miss time from work, i ask tired of being harrased, they dont even send the paperwork to the correct address, they threating to garnish my wages, i am really XXXX from this company, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filled a dispute with XXXX XXXX about this capital one account ending in #XXXX the account was previously deleted by XXXX XXXX and XXXX but was reinserted 2 weeks later after the dispute was already closed. XXXX XXXX assured me that they sent over proof that i have had my information compromised before and it was documented i talked to a representative at capital one by the name of mary and she said she would help me out after i sent over proof that i have experienced identity theft on my credit profile and for the record they already have a police report and affidavit that was forwarded to them from XXXX XXXX but they still continue to report it on my credit report. I will attach the same documents to this complaint that i will be sending to capital one i will be sending these letters in the mail on XX/XX/2019 the letter will include proof of identity (drivers license social) Another notarized affidavit and police report and also an alert from XXXX XXXX sent to me on XX/XX/2019 saying it looks like my personal data may have been compromised once again. Also the account ending in #XXXX is extremely late which is affecting my score even more i have never been late on my two accounts that i have with capital one but they put a third account that belongs to someone else ruining my report .

Company response to consumer: Closed with explanation