BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft .This credit agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Experian Information Solutions Inc.
State: AZ
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:
Hi I am filing this complaint against the 3 major credit bureaus. 

I disputed the accuracy of a XXXX XXXX account XXXXXXXX. 

All three are reporting different variables The follwing information is reporting wrong : Date Opened : XXXX XX/XX/XXXX Experian   XX/XX/XXXX XXXXXXXX XX/XX/XXXX High Credit : XXXX {$1000.00} Experian {$0.00} XXXX XXXX$41.00} Credit Limit : XXXX {$1000.00} Experian {$1000.00} XXXX   {$0.00} Last Reported : XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX Comments : XXXX : Charged off as bad debt Canceled by credit grantor Experian : Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
XXXX Charged off account Accounts closed by credit grantor Date Last Active : XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX   XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX  XX/XX/XXXX The information above should be the same across the board. There should be no difference any of these factors. The FCRA clearly states items on a credit report needs to be reported as 100 percent accurate. If not not they should be deleted I have attached a copy of my report showing the in-accurate information

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 2022-05-19
Company: Experian Information Solutions Inc.
State: PA
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 a victim of identity theft I have been struggling with keeping up with all the products that were open in my name. I have to check my report almost everyday because product are opened fraudulent in my name. I haver opened a dispute on this item over to month ago and today I got a alert that XXXX XXXX  was reinserted back on my account I asked for a investigation on the other two account I am a retired vet with a limited income to hire a lawyer for services that I'm paying XXXX to protect my identity by notify my if anything is opened in my name by putting a extended fraud alert on my credit report before extending a new account but they have yet to do so. please hold these company accountable for this because If there are no consequences it will continue to happen. I have attached my FTC REPORT and a new police report so I am asking for help. thanks

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 2017-02-15
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have previously disputed this debt as not belonging to me. I do not go to XXXX hospital and was not seen for this debt. I previously disputed this debt with the credit bureau 's and it was removed but it was re-applied soon after. I have tried multiple times to contact Transworld Systems only to have them hang up on me. I am never able to reach someone to discuss this situation. I get transferred then the phone call disconnects.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Convergent Resources, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-02-02
Company: National Credit Adjusters, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
A rep named XXXX XXXX from National Credit Adjusters violated FDCPA subsection 806 harassment or abuse and subsection 808 unfair practices when he called my home phone, mobile phone and then my employer. I work from home and I was working, even our receptionist asked to take a message from him and he declined asking for my supervisor. Prior to him calling my job I did answer the home phone when XXXX XXXX would not tell me where he was calling from or why I asked him to then call back and leave a message. He refused to do that and proceeded to call all my other numbers. This message went to my CEO! I do n't even know whether this is a valid debt and now my CEO has been bothered by this company! 

I sought legal counsel and was told about the federal violation and so I called the company back to alert them that XXXX XXXX acted illegally on their behalf. I was transferred around and do not believe my complaint was taken seriously by them. I told them. I stated that I do not authorize them to contact my employer and any further contact is a violation of federal law ( fdcpa ). Also stated that there is no legal reason for them to use skip tracing tactics when they are aware of my true contact information. Any additional contact to any third party concerning this alleged debt is a violation of the fdcpa. I also just finished alerting the WI State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: ND
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 Account # XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1661 Section 602 A State I have the right to privacy.

15 U.S.C. 1661 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written my 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 2016-04-15
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received a email from XXXX account services that a loan that I did not apply for was sold to National Credit Adjusters. This loan in question also shows on my credit report. I have asked for help from the CFPB as well as requested signed documents for an application for credit or anything that they have in order to press charges. As of this date, nothing. I did my research on this company and there is no way I would apply to a payday loan service with the tactics this company employs. Even worse than that they allowed my ssn # to be used without my written or verbal consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I applied for forbearance due to Covid-19 Job Loss, the Covid-19 forbearance ended around the XXXX week of XXXX. My company XXXX deceptively applied me for multiple modifications ; when I clearly stated I wanted a FHA standalone partial claim, I qualify for this according to XXXX ( owner occupied, never XXXX days late, I received means of payment, new job, and have never had this partial claim done before. I have been on the phone with them around XXXX times and they keep telling me there is a computer error and to call back. Noone helps me and I am afraid they are taking advantage of me. I would like assistance in putting my loan back into forbearance, and rightfully filing for a partial claim. During this whole process I am getting threatening letters wanting the forbearance amount total paid in full or I could lose everything XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I got a letter - after closing COMPLETELY about 1 year ago - that said I was delinquent on my loan. This could not be possible bc I closed at a Title company and got a payoff confirmation. The letter came from someone who is posing as US Bank at XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions 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:
In According with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX and 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 that a consumer reporting agency can not furnish a account without my written instruction and permission.

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 2021-09-24
Company: CNG HOLDINGS INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The last time I spoke with this company they said they could not find me in their system because I wanted to dispute this problem. I can not file a police report because they police station can not find the company. They said that the company was bought out and is now owned by someone else. I reported the complaint to XXXX  and the company said I need a police report in order for them to do an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Nation Credit Adjustors has been constantly calling my place of employment for some time now about XXXX different debts that I have asked them not to contact my place of employment about. They are not harassing the people at my place of business and embarrassing me by telling my co-workers that i have this outstanding debt that i refuse to pay and are asking to be transfered to different departments. I 've also received a very disrespectful and inapproprate call from one of their reps when i called in about this rep in the past I was informed that they should not be calling me about these claims due to me speaking with a lawyer and all calls were to stop. They are still calling my job and being very rude. i keep asking them to stop and have had no luck. I am looking to file a some kind of suit against them in the very near future. I do know that I am responsible for the debt and cam nt pay at this time I 've explained this many times but they will not stop calling. The rep I spoke to today was XXXX who can be reached @ XXXX ext XXXX. He was very sarcastic in saying they have been calling for years and this year they 've called 9 times I told him i do not have the money to pay at this time and he said I guess we 'll keep calling your job until you pay us or we 'll be taking you to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: M. G. Credit, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I Have MGCREDIT reporting on an acct that is not mine. 
I asked to validate the debt, they sent me contract with no identifing information other than my name. No d.o.b. or last four of social. The only thing given aside from a contract is a signature ( see attached ) that is not mine ( also see attached )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: UHG, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was notified by a collection account United Holding Group by a they made to my wife I requested that all communication be made via U.S mail and that any phone called would be recorded sense they threaten sue me and put lien on my home, i ask them to forward any paperwork to that showed i owed them money or had a debt with them, they could not show me any thing and didn't supply me with the paperwork i requested. now after almost sense months later they have team up with another collection company never giving copies of the debt they are trying to collect on and threatening legal action with a company called persolve legal group with have a tendency to file lots a law suits to try get a judgement against you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have submitted several disputes with all bureaus in regards to the inquiries made on my reports along with the addresses that appear on my reports. They are not mine nor did I authorize them and I need them removed since they are causing a lot of problems with my creditors that I have been with for years. This is also not allowing me to qualify for a home that I have been trying to get for over a year. 
My identity has been stolen several times by hackers, thieves and the selling of my information to other parties. 
I live in a state where my name and last name are so common. when people report other peoples info to the bureaus I get a lot of their information. Ranging from family members to parking tickets. I have had my fair share of days in court to try and fix a lot of this but I have done my part. I have frozen my info and I still get all this trash!!!! 
Please help me with this night mare. I have sent the documentation needed to have all bureaus correct all the misinformation reported on my credit files. 
I need to see actual signed documents to verify my signature and that I was the actual person making the inquiries or opening accounts. 
Thank you for your time and assistance.

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 2017-02-01
Company: Navient Solutions, LLC.
State: NJ
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:
I keep paying navient. I even put it on automatic pay and they are always telling me I am late

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: FL
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 paid on a {$17000.00} loan for 11 years, and when I got divorced and was not get my mail my account was put into a program. I paid {$200.00} a month for a year then they add {$4500.00} to the balance to reinstate the loan. I Had to pay child support so I had go into forbearance for 4-5 years before I was offer income based repayment which I have been in for two years now. My loan is now over {$50000.00} which is 3x my original loan which I had paid on for 11 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-05-19
Company: Experian Information Solutions Inc.
State: CA
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under c open end consumer credit plan as late purpose. 
+ 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 2017-03-28
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding took me to court and after 3 court appearances the judge dismissed case with no Prejudice. I sent in court docs to all XXXX credit bureaus and they will not take off and Midland is calling and sending docs trying to still collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: CA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Transunion, XXXX and XXXX wont remove all the negative items I am disputing that are not mine a lot of information is incorrect and it is a hassle trying to get them to remove these things. 
Especial this car from XXXX that is not mine that need to be removed! My father has the same name as me and racked a lot of debt in my name he is now in jail and I need to have these items removed!

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 2022-05-19
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: Account status incorrect

Complaint:
Full Balance for American Express was paid off and yet it shows deragatory. It was paid off through XXXX XXXX and nothing has been done to remove it. Unreal that this still happens.

Company response to consumer: Closed with explanation