BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: AMERICAN EXPRESS COMPANY
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:
My Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: APPLE RECOVERY, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was given this phone number by the phone compant last XX/XX/XXXX. I have been plagued by debt collectors calling,, asking for every XXXX male name in the book. It is unknown if they are all the same collectors, but they ask for a different name each time if I answer the phone. The month of XXXX XXXX, I was gone to XXXX for one month. I run a business on my phone so phone messages are important. Every business day for about 3 weeks the same debt collector at the same number had a machine, call my number, while I was gone and left an unclear message, missing all but the last half of a sentance, but no identification,, etc. I searched that number using caller id on the internet and found that they were debt collectors, then. But, being out of the country I could n't them, and why should I? But, I was worried, just in case I had a problem with a debt that i didn ; t know about. Those people filled my voice mail with their calls. I have XXXX digital phone so I have the computer record. Howverr it was not working well while I was gone, which further made this difficult and worrisome. I did not know what I might have missed, How is it that a debt collector, even if the debt were mine, can do this, with their autodialer machine, harrass me, and never identify themselves or explain the reason for the call??? I returned from my trip last night XXXX XXXX, XXXX. First thing this morning i called that number. The man I talked to is in Arizona. He sounded XXXX. and he is a debt collection agency but would not admit it at first because I refused to give him my name. When I told him that I knew who they are, in fact that he is Apple recovery, he admitted it but simply said I 'm am sorry. This mess caused me time, and grief. if I could I would sue them. In any case, they should be fined for unethical behavior. He admitted, finally, when I gave my first name, that they were not looking for me. or anyone I know, but someone gave them this number. This has got to stop! By the way, I have perfect credit. if someone messes with my good credit I will fight tooth and nail to defend it. I had to do a short sale 3 years ago and I am very protective of my credit.So,, this is very distressing to have this while I am in XXXX and can do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to fix 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 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 non-monetary relief
Consumer complaint received 2016-08-26
Company: AES/PHEAA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I graduated from pharmacy school in 2004 before the new Obama plan went into effect. I immediately consolidated my loans ( fed and private ) with American Education Services and have paid between $ XXXX for the last 12 years. I never got any notification from the about the new plan that if I re-consolidated through direct loanI could have a different payback plan including having my loans forgiven after 10 years of working for a non-profit. I have worked at a non-profit hospital for the last 8 years. When I confronted AES about this they said there was nothing they could do for me. They said " it was all over the news ''. I asked why they did n't send out notifications to their customers years ago that this would be in their benefit. Their answer was what I previously stated. I have spend countless hours on the phone with studentloan.gov people getting nowhere. I find this very unfair that I will pay back 3 times what my initial loans were with interest and then also " pay '' for all the forgiven loans that this new federal program loan program offers through my taxes. I still have 18 years left of my loans and would almost be done if AES had been a decent business and helped their customers years back. The person who answered the phone actually told me I could n't have consolidated through them because the only company that would is Direct Loan. I said I have been paying you for the last 12 years so that is false. I feel owed something by them by missing out on this amazing federal program. I have paid them more than my original loans were at least twice and still owe 18 years of payments. THis is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I had multiple federal student loans, I was advised to consolidate them because I qualified for XXXX XXXX XXXX XXXX. Before I consolidated, some of the loans had different interest rates. Once I consolidated, the interest rate was higher on multiple loans. I was in the program for 1 year, they required that I recertify my income for 2016 - because I got married and filed jointly with my wife, her income was included in the calculation. I was notified in XXXX 2016 that I no longer qualify for the program and my payment has jumped from {$290.00} to {$630.00}. That is more than double. I feel like I was given incomplete or inaccurate information regarding the program and now I am stuck with a higher interest rate and a much higher payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I currently have a student loan that is being serviced by Fed Loan. Upon receiving notification that the loan was due, I immediately filed for a forebearance, which was granted. I recently looked at my credit report and noticed that Fed Loan had reported my account as being late for 120 days. This is untrue because when I received notice that my loan was due I immediately requested a forebearance. If I had already began making payments and then started making late payments then I could see late payment entry being reported to the credit bureaus. I never received any bills stating that I was late or in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX US SM Bus AdmIn ODA Inquired on XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX inquired on XXXX XXXX XXXX XXXX identity, XXXX XXXX match inquired on various days, XXXX XXXX inquired on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX inquired on XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX inquired on XXXX XXXX & XX/XX/XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX inquired on XXXX XXXX XXXX XXXX identity, XXXX XXXX XXXX inquired on various days, XXXX XXXX  XXXX on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XXXX XXXX inquired on XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX inquired on XXXX XXXX & XX/XX/XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23
Company: AES/PHEAA
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loan company, AES, claims they are unable to apply any loan over-payment to my highest interest rate loan unless I send them a letter every month with a check telling them specifically which loan to apply it to. I have already mailed them a letter stating that I wanted over-payment to the higher rate loan, but they declined it because I have consolidated loans. I have XXXX separate consolidated loans, XXXX with almost 6 % interest and XXXX with around 2.5 % interest. It does n't make sense that they ca n't apply it to the higher rate loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did not authorize these inquiries. TransUnion : XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 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 XXXXXXXX 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 2016-07-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I do n't know how many times I am submitting complaints to this bureau about Wells Fargo regarding a property that I bought in XXXX. It has been the same thing : the round around from Wells Fargo with no resolution. I deal with a lot of companies, which care of their name and reputation. They always end up listen to me and work to resolve any problem that comes up, but with Wells Fargo my complaints fall on deaf ears. XXXX representative told me that he is well aware of my issues but stopped cold turkey to help me. Basically Wells Fargo is not accountable for their actions and it seems nobody can stop them. 
For the past couple of days attorney XXXX XXXX and a lady by the name of XXXX from XXXX XXXX called me to tell me that my property in XXXX is going to be auctioned in XXXX XXXX, XXXX in courtroom XXXX at Supreme Court in XXXX. The latter told me that Wells Fargo made my records public to auction my property because it is on foreclosure, which means I failed to pay them. They kept on asking me about XXXX XXXX, which I never met. XXXX of them gave me Wells Fargo attorney to call, which I did but nobody picked up the phone. I can not believe a bank can do that. If I have ever owe them they have to address the issue to me not take me to court like that. I definitely Wells Fargo is up to something and NOBODY is NOT HELPING.

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 monetary relief
Consumer complaint received 2021-03-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act*, my rights have been violated and I continue to financially, mentally and physically suffer due to these violations as well. Every violation was taken from XX/XX/2022 Credit Reports furnished by XXXX, XXXX and/or Transunion, post several attempts to have removed directly. 

XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX AND/OR XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXXXXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX & A Account # XXXX ***, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 

* : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
State: MD
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 name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Enhanced Recovery Company , LLC, ( ERC ) stated on XX/XX/2020 by mail that authorization was granted to report this fraudulent derogatory vague account to the national credit bureaus. In my opinion ERC and the original creditor are practicing professional malpractice and perhaps power by discrimination, by exploiting and targeting seniors by using public and third-party information to intimidate me to pay a debt that clearly does not belong to me. This convoluted situation is extremely stressful for me as I believe I may be a victim of Identity theft by ERC, and the original creditor that ERC is representing ( XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: MA
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, The XXXX  At 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 and XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.C.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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