BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
Company: EQUIFAX, INC.
State: NM
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 applied for a mortgage through indigo mortgage and was supplied a pre approval letter. While going through the home loan process and two weeks before closing Equifax has no credit information on me and is reporting as fraud. I have called Equifax several times to resolve and have heard nothing. They say they dont know why its not reporting. This is causing me to possibly lose the house I was buying. Buyer has granted me an extension for 10 days to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Franklin Collection Service, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On, or about XXXX/XXXX/XXXX Franklin Collection Services began reporting a collection account to the credit bureaus. The company failed to notify me of my rights via written notice within a 5 five day period. As such, this agency is in violation FDCPA 1692g ( a ), which states " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 want to inform you AGAIN I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$1200.00} XXXX  XXXX XXXX XXXX  Date Opened XX/XX/XXXX Date Opened Balance {$810.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$630.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-12
Company: Paypal Holdings, Inc
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello XXXX XXXX, We received the claim you filed for the following transaction : Dispute Case ID : XXXX Transaction Amount : {$90.00} USD Dispute Amount : {$90.00} XXXX Transaction ID : XXXX Transaction Date :XX/XX/XXXX If You Have Additional Information Please Send it to Us Please provide the following documentation and any other relevant information to support your claim within 3 days. Please note that if we do not receive the information we may not have sufficient information to resolve this dispute in your favor. 
Please provide a brief, but clear explanation of why a credit is due. 
Next Steps If you have this information, you can send it to us via your PayPal account. To help protect your information, we do n't accept files that are sent as email attachments. 
To send us your information, go to the Resolution Center. Then click the Case ID under Resolution Center cases. Click Upload file under Case actions you can take, and then follow the instructions to upload the files. 
Want to Cancel or View Your Claim Status? 
If you would like to cancel or view the status of this claim, you can do so by visiting the Resolution Center. Click the Case ID, and then click Cancel Case under Case actions you can take.
Thanks, PayPal Order made with XXXX XXXX and only way to pay for order was PayPalXXXX is taking 0 action to resolve this complaint regarding one of their vendors -PayPal is taking 0 action to refund to my bank account fromXX/XX/XXXX to todayXX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-23
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: Personal information incorrect

Complaint:
i am not XXXX. i have filed a complaint with the CFPB last month and received a letter back stating that american express made a mistake. HOWEVER, THEY ARE REFUSING TO CHANGE THE INFORMATION IN XXXX, XXXX  AND XXXX. NOW I WAS DECLINED A XXXX LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I graduated From XXXX in XXXX consolidated my private loan through XXXX XXXX at the time in XXXX and started Repayment in XXXX! the original balance was XXXX This is without the capitalized interest, I later found out about! As of XXXX I still owe XXXX XXXX XXXX years later. I have only made {$26000.00} dent in the loan, meaning I have only paid {$2800.00} per year on principle and the rest on XXXX! My rate have Gone From 9 % to 3.5 % and is still Variable! I pay anywhere from {$1300.00} a month to {$800.00}! Each payment they are putting 70 % toward my interest and 30 % toward my principle! I have payed over {$7000.00} in interest in any given year and can only write {$1500.00} of it off on tax exemptions!! I have called several times though out the last 9 years trying to figure out what I can do, how I can lock in a rate or anything! In XXXX after meeting all the requirements, I was trying to get my cosigner off my loan and found out they dispersed my payment to my federal loan and defaulted on my private and tried to make it my fault! They did not grant me the release of a cosigner because they said I did n't make the payments, WHICH I DID make all the payments and had to fight with them over the phone for months to get it taken care of and nothing went to collections. I recently noticed my payment had gone up and called to see what was happening and what I could do! I called customer service at NAVIENT XXXX XXXX XXXX and asked what were my options with this loan and what i could do! And the ANSWER WAS THEY DO NOT HAVE AN OPTION FOR ME! I HAVE NEVER DEFAULTED ON THIS OR ANY LOAN IN MY LIFE AND I MAKE MY PAYMENT EVERY MONTH! and they do not have an option for me? and are dispursing my money however they like to only benefit there company! ITS A STUDENT LOAN!!!!!!! There are so many loan forgiveness programs out there and I am not even asking for that! I am asking for them to be reasonable with my money and help me out rather than give me NO options! I can not even put it on hold, if I were to have something in my life to happen and need to! This is hindering my life, my childs life, our futures and all I want is them not work with me and give me options without having to not pay and deal with XXXX and Ruin my very amazing credit just to get them to negotiate! 
I have also requested all of my correspondence with them for the last 10 years, phone calls etc and they are having a hard time getting all that info!!! They have to keep a record and give me my files!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: AL
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 want to inform you AGAIN I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Date Opened Balance {$810.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: AES/PHEAA
State: CA
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:
I have already filed several complaints about AES/PHEAA. I was notified by a XXXX XXXX let @ XXXX, who pretended to be from your office, he said he was from CFPB. I found out this morning he is n't from your office, but is actually works at XXXX. 

This has wasted weeks of my time. They AES/PHEAA confirmed and admitted ( see attached transcript of XXXX, conversation at XXXX ( XXXX ) with XXXX that proves they verified the loans are not mine ) the student loans they had XXXX, and collected on, and reported negate credit reporting in my name are in fact, not mine. 
They conclued their investigation on XXXX admitting they made a mistake and have my name on soneone elses loans. I these XXXX loans total {$10000.00}, original amount. My XXXX loans I got was total {$3500.00}. We proved by providing AES/PHEAA, this with my original promissary notes I located recently, the XXXX of my college provided AES/PHEAA with their original shoeinf amounts of my XXXX loans which show different dates and amounts, the dates and amounts are not even close to matching these loans they have in my name, The original lender, XXXX XXXX Bank notifying AES/PHEAA, they never issued me a student loan, and original Loan Guarantor, XXXX, notifying AES/PHEAA, they never were guarantor of my loans. 

XXXX straight forward. But today, this person, XXXX XXXX, told me they know these loans are not mine, and they refuse to remove my name off these XXXX loan 's and correct their mistake, essentially forcing me to pay these loans off, bucause in XXXX they sold the loans to XXXX loans. 

This is absurd, first protruding to be this office, and then refusing to correct their mistake. 

Please for the love of XXXX will soneone from your office call me at XXXX, today. I am a XXXX vet and they are knowingly discriminating against me. 
Pretending to be you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: MI
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 mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hello here is a list of inquiries on my credit that were not approved by me ; XXXX XXXX XX/XX/2022 ( XXXX XXXX -XXXX  XXXX  XXXX XX/XX/2022 XXXX XXXX ) XXXXCapitalOne XX/XX/2022 ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Sterling Infosystems Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
XX/XX/2006 the consumer report is reporting outdated negative information. More than 7 years old. I was unaware of that charge until this year and I never had a problem with my background check. I don't understand this company Sterling Talent Solutions Keep reporting this problem. Which is hindering mean from employment. I'm understanding This was tried in my absence and I was not aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX reported 30days late XXXX because their representative told me the wrong payment amount, short XXXX. XXXX won't budge even though it was a bank error. I also had late payments in early XX/XX/XXXXon 3 accounts due to terminally ill father 's medical bills. Accounts have been paid in full.

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 2018-06-03
Company: The CBE Group, Inc.
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the CBE Group trying to collect on a cable bill. I hve in my posession FROM THE ORIGINAL creditor, XXXX aka XXXX, showing a balance owed by me as XXXX dated XX/XX/2018. I have no contract with CBE Group, nor was i made aware of ANY sales of my information to this group.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX told me they had decided to forgive the debt. They sent me a 1099C showing the full amount was that is being forgiven. However the credit bureaus are still reporting that balance as past due to the credit bureaus. If they have forgiven the debt, and legally discharged by submitting the 1099C form to me and the IRS then there should be a zero balance and this account closed.

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 2019-11-23
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was going over my credit report and seen FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate The FOLLOWING ACCOUNTS ARE NOT MINE : XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, ENHANCED RECOVERY COMPANY # XXXX. They are in violation of FDCPA 805/806/809. Demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, 1. XXXX XXXX XXXX XXXX, 2. XXXX ... XXXX {$100.00} amt 3. XXXX ... XXXX,,,, {$100.00} amt 4. XXXX XXXX XXXX XXXX .... 
5.XXXX  XXXX XXXX XXXX XXXX XXXX 6.XXXX  XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX MY CONSUMER RIGHTS HAVE BEEN VIOLATED. 
15USC 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY 15USC 1681 SECTION 604A SECTION 2 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 2017-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX told me they had decided to forgive the debt. They sent me a 1099C showing the full amount was that is being forgiven. However the credit bureaus are still reporting that balance as past due to the credit bureaus. If they have forgiven the debt, and legally discharged by submitting the 1099C form to me and the IRS then there should be a zero balance and this account closed.

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 2017-09-12
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I learned about the Equifax security breach on XXXX XXXX 2017 and the details of the scandal imply that my personal information was breached and is now publicly available. I tried using Equifax 's online tool on XXXX XXXX 2017 to see if I was impacted by the breach, and they claimed I was so I signed up for one of their services. However, now there is news surfacing that I am now newly aware of that they are randomly generating answers for people and not giving actual results. This is improper use of my data, and it is terrible that Equifax was not forthcoming with the results of the data breach. My personal credit is at risk and I do not like being in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX Bank just responded to my XXXX complaint & agreed that the account being reported does not belong to me. Why is XXXX XXXX Experian continuing to verify it instead of deleting it. This has exposed both credit bureaus as being corrupt & wanting consumers to stay in a bad credit cycle. Im already planning to file a lawsuit but if this isnt fixed even by providing proof from the creditor that the information is inaccurate then I will be suing federally instead of locally.

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 2022-06-15
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX account # : XXXX, has violated my rights 15 U.S.C 1681 section 602 A. This states that i have the right to privacy. 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: Navient Solutions, LLC.
State: TN
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:
Over the last XXXX years, I have tried to reach an agreement with Navient. I have requested settlements. XXXX times now, I have submitted all required documents and began a rehab program. The signed documents were not entered corrected or they stated that they were never received. I did resend the documents and the same error from Navient was repeated. I am not in agreement with the debt amounts and the interest accumulated. This service provider, Navient, has not made this an easy process.I have had multiple collection companies contact me with threats. They will not even validate the debt with me personally. I am not sure what to do at this point. I a very frustrated with the overall handling of the loan start to finish.

Company response to consumer: Closed with explanation