BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-24
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 was just made aware a hard inquiry was made on XX/XX/2018 was made to XXXX XXXX.  This was not authorized by me. I did not request anything on said date. This is fraud. I just want this removed as I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 2022-07-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 explanation
Consumer complaint received 2019-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These are Fraud accounts and they dont belong to me

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 2020-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It started in XXXX last year, I have been disputing with them since last year. I recieved one letter from them stating I need to provide full account information.. Never recieved anything else from them, I have sent a total of 4 letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. The letter in XXXX was returned back to me for some reason.. Also they have been changing the amounts from XXXX to XXXX back down to XXXX in XXXX XXXX, XXXX which is against the law, I am requesting deletion for never verifying or validating the debt I owe and for not responding within 30 days of letter sent. Also for changing the amounts witht the credit bureaus thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Hewitt-Capital
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
A lady presenting her self as an attorney and or a paralegal in one message, her name is XXXX XXXX. She stated it is imperative that I contact her at once or she will be forced to pursue further action or contact my county for legal actions or arrest at work.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Paypal Holdings, Inc
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had my account accessed and used in what I believe was a scam activity. Someone was sending money to my account and distributing it within seconds to another account via friends and family according to paypal they are saying it was me doing it when I have provided them with everything I possibly could obtain to prove it was not my doing. I do not feel obligated to pay something that I never had the money for and have no part of.

PAYPALnever looked into the unusual activity in the account. I uploaded several documents of me reaching out to individuals trying to obtain why the money was coming in and going out. The activity they are claiming to be seen on the account is not valid. I reported to paypal several times, via email, spoof, phone calls, and reports that the matter at hand needs further looked into. I had my identity taken from me on this matter, I informed paypal of this issue and did all the security measures they recommended. I cancelled my paypal card due to it being stolen, they issued a new one and I never activated it. I contact my cell phone provider about my device that I did all my banking and personal use on was stolen. I was issued a entirely new device with a new IP and did everything they recommended. I have contacted my bank and put a freeze on my one and only account. You can see that I never touched any money that came in to that account that was suspicious to the activity. The money was withdrawn immediately from a unknown source. I have no relations or affiliation to whom ever received this large amount of money. I will be contacting consumer affairs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26
Company: Experian Information Solutions Inc.
State: NJ
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 have had an incorrect bankruptcy on my credit report for many years. I have tried to dispute this a couple times over the past couple years with no success, due to my own lack of knowledge of the proper steps to take. However, after filing a dispute with XXXX  and Experian, I was told that the information has been verified by a third party company called XXXX. 

I then contacted XXXX on XX/XX/2021 and opened a dispute with them regarding this misinformation of a bankruptcy that is being reported to XXXX  and Experian. on XX/XX/2021, XXXX sent me a letter with the results of their investigation. The results were they were unable to verify this information, and have removed/deleted this information from my XXXX report. 

I contacted XXXX  and Experian on Friday, XX/XX/2021 regarding this information and reopened a dispute of this incorrect bankruptcy being reported by these companies on my record. 
XXXX, was magically able to close this dispute only two days later, on the Sunday of XX/XX/2021. Reporting that XXXX was able to verify this information with the courthouse, and that this record will remain on my credit report. 

Experian, closed this dispute on the Thursday, and XX/XX/2021. Experian also reported that XXXX was able to verify this information with the courthouse, and this bankruptcy will remain on my credit report. 

The issue is this bankruptcy being reported on my XXXX  and Experian report is not mine. The " third party '' that is selling this misinformation, ( XXXX ) is either continuing to sell this misinformation about me, or XXXX  and Experian are not truly " investigating '' the dispute I filed with them. Considering XXXX  was able to close this dispute within two days, over a weekend, tells me everything I need to know. Experian continue 's to say " The company that reported this information has certified to Experian that this information is accurate '', ( XXXX ). 

I expect to have this incorrect public record removed from my XXXX  and Experian credit report ASAP.

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 2017-09-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I checked with Equifax to see if my personal information was comprised and I was prompted by Equifax to enter the last XXXX digits of my ss # and last name. I 'm shocked the company is asking for this information after a breach, and I pulled really XXXX move and entered my info and wife 's info. 

Here is the article - https : XXXX? XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
State: NC
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:
These XXXX leaked my information to XXXX and everybody. Please send them to XXXX to be XXXX, where they know how to handle these kinds of things.

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 2019-03-30
Company: Experian Information Solutions Inc.
State: GA
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:
I have made several attempts to obtain my free annual credit report from XXXX, Experian and 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 2022-02-11
Company: Oliver Adjustment Co.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with OLIVER ADJUSTMENT. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Action Financial Services, LLC
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been actively trying to talk with Action Financial Services to establish a voluntary repayment schedule since I was notified of this loan being placed with them. I have the following issues : - I am unable to set up a voluntary repayment because they told me it was at the wage garnishment stage and I had to request a hearing. 
- The service rep at AFS confirmed that they did not have my correct address on file ( I found out that they had the debt because my neighbor brought over an opened piece of mail from them in Aug - the notice was dated in XX/XX/XXXX ), so now my neighbor knows my personal information. I called AFS to set something up as soon as I was notified.

- This notice did NOT mention garnishment, I found out about that when I called AFS - I have faxed the required hearing request to the number they gave me on multiple occassions and have not received any response - I received a letter, yesterday, dated XX/XX/XXXX that says it is a final notice of garnishment of up to 15 % of my wages ... I absolutely can not afford that and wish to enter into voluntary repayment. This letter states " You may still exercise the right to contest this action as cited in our original Notice. However ; because you failed to comply ... your exercise of this right will not result in the delay of a wage garnishment '' - I never received the original notice - it was confirmed that they did not have my correct address - I gave them my email and my phone in addition to my correct address and NOBODY HAS CONTACTED ME! 

I am simply trying to enter into a voluntary repayment and avoid the garnishment but, all they give me to communicate with the hearing department is a fax number. I have transmission reports that show the information was sent but, I still receive no response. It is not fair that I've not received any communication until this FINAL NOTICE. I deserve a chance to voluntarily repay this debt without a garnishment.

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 2019-10-17
Company: USI Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not have any debt. I have never been late on a car payment, my house mortgage etc. Those are the only two loans I've ever taken and those payments are auto draft out of my bank account. This company continues to call me numerous times during the day on multiple occasions. It is a recording system saying to please hold and have your information ready. These calls are disruptive and not to mention have taken up so much space in my voice mail inbox by the robotic automated message. I have no reason for this company to continue or to have ever called me. Please have USI Solutions stop harassing and calling my personal cell phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My home equity loan was purchased by Specialized Loan Servicing in XX/XX/XXXX from XXXX XXXX XXXX. They, SLS, have sent me notices claiming that my account is delinquent. SLS has been debiting my payments from my bank account and they have all been on time with no returns. When I call SLS, they refuse to talk to me claiming that they can only talk to my spouse. My husband died in XX/XX/XXXX. This loan is in both our names listing me as co-borrower. Also, the will clearly states that I am bequeathed all of his portion of property, real and personal. As I said, when I call they refuse to talk to me and are extremely rude and evasive. One operator told me I needed to get a lawyer. Another told me that I needed to go to the courthouse. Bottom line is that they refused to talk to me even though the loan is in My Name and would not allow me to talk to anyone for resolution. 

So on XX/XX/XXXX I went to my bank with a friend as witness and they printed up my bank statement clearly showing that SLS had received all my payments. My bank contacted SLS and received the same stonewalling ... 
Then we went to XXXX XXXX XXXX and a bank officer spent 2 1/2 hours trying to contact SLS and to untangle this mess ... He was able to pull up and send to them all the paperwork regarding this loan which had originated with XXXX ... 
Original loan documents from XX/XX/XXXX, death certificate, my spouses will, my bank statement showing payments made to SLS, etc. 

SLS still continues to refuse me access and is now threatening me with foreclosure ... I am a senior citizen who is XXXX XXXX ... Their operators are rude and abusive ... I have often been left in tears ... .Since XX/XX/XXXX several others have heard this abuse as these call have been on speaker phone ...

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are several inquiries on my report that are there after finally reviewing my report. In the past i have shopped at classic XXXX and at XXXX XXXX both stated that they would only run my info through their dealer and there are way more inquiries on my report. 
XXXX XXXX XXXX XXXXXXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXXTRANSUNION XXXX XXXX via TRANSUNION XXXX XXXX via XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX via 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 2021-08-26
Company: Healthcare Receivables Group, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did receive medical care but I had XXXX because I was XXXX  and unable to work! This debt was incurred because the insurance coder at the medical facility entered in my insurance info incorrectly or failed to enter it in. I never received any bill or other communication from this facility so I thought the bill was paid by XXXX as it should have been. Now they have turned it over to collections when I was never even notified. I tried to contact the hospital to get them to run my insurance info but they wouldn't because this was in 2015. It is their employees fault and I am not responsible for this debt! I had no income due to high risk XXXX, I had my daughter XXXX weeks early and we both almost died. 

This is in collections, the only collection I have. 
Collection Agency : HEALTHCARE RECEIVABLES GROUP. 
Original Creditor Name : XXXX XXXX XXXX XXXX Amount {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax compromised all my personal information. There current offer of 1 year protection is ridiculous. My information will not change even when I XXXX and it is now out there for someone to use. This is unacceptable and their response is laughable. Something needs to be done to a company that I have no control over my data with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: AES/PHEAA
State: CA
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:
Applied to change from IBR/IDR to fixed payment in XX/XX/2019. Application was accepted in XXXX, and was not fully processed until XX/XX/2019. The processing is to take 90 days or less. Mine took six months to process and my credit report shows missed payments for XXXX, XXXX, and XX/XX/2019. When I did in fact pay all payments that were due and an additional payment that was not required. The reported missing payments took my credit score from a XXXX to XXXX. 

I have contacted fed loan on three separate occasions to get assistance with errors in credit reporting. The most recent time I was told to fill out a credit dispute form because my application should have been processed by the end of XXXX. Instead it took three more months.

This resulted in fed loan reporting that I made no payment and was not deferred because the application was processing. Credit reporting agencies took that as 3 missed payments on 6 loans. Its being reported that I 18 missed loan payments when I did not miss any payments. Fed Loan was processing my application. 

I have no control over how long fed loan and their employees take to process applications. I got caught up in their inefficient and slow processing. I am being penalized for the delayed processing of fed loan. Are they not accountable for reasonable processing times, and correctly reporting to credit agencies while processing? 

I would like for fed loan to accurately report the standing of my loans for 2019. I used to pay {$0.00} per month, now I pay {$420.00} per month. All I wanted to do was get on track to pay off my loans. Fed loan took six months to update my payment costing my credit score 63 points.

Company response to consumer: Closed with non-monetary relief