BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: Sunbit, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received the first notification by the Sunbit company of the past due payments of a purchase I have not made in the middle of XXXX. I thought is was a scam. I received another notice in the middle of XXXX at which time I attempted to contact Sunbit via the phone number on the letter but only received a recorded message ( offering a product ). 
I was notified by XXXX that I had a negative response reported by XXXX. 
A new acct was opened in my name with XXXX/Sunbit for the amt of {$1000.00} to be repayed in monthly installments and a different number was listed. I contacted Sunbit to tell them that is was not my debt and request a copy of the original purchase. They were unable to supply it but gave me the name ot the company that the acct was for ( XXXX XXXX ) and the date the acct was opened ( XX/XX/23 ). The acct was opened in my name with a new email and phone. 
I filed a dispute re : an inaccurate new account on XX/XX/23 with XXXX which they notified me today XX/XX/23 that they have verified the account as accurate. 
I placed a security freeze and a fraud alert with XXXX, XXXX, and XXXX today XX/XX/23. 
I attempted to file a complaint with FTC but was directed to CFPB for this type of complaint ( credit reports and debt collection ). 
After Documenting this report I am instucted to file a report with my local police dept. 
I will do that today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Account is being reported with an inaccurate information. 

This letter is in response to my letter mailed and dated ( XX/XX/XXXX & XX/XX/XXXX ) to XXXX, XXXX & Equifax. In my letter that was dated XX/XX/XXXX, I disputed names associated to my report. My legal and correct name is XXXX XXXX XXXX. I provided copy of my social security card, driver 's license and copy of a utility bill. 

I requested that all these names are deleted to any consumer credit reporting agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Experian been holding negative reporting close accounts on my credit report that I no longer need. All the accounts are closed in the negative reporting information is affecting my ability to get a house. These accounts close during the years of the XXXX which drastically affected my ability to keep these accounts open. Ive been repairing my credit ever since then, but Experian just wont remove these accounts. And to me, it isnt fair. So Im here to solve this issue. In these counts shouldnt be held on my credit report for over at XXXX years thats not fair.

Company response to consumer: In progress
Consumer complaint received 2023-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
During pandemic according to payment .code 15 USC 16815-2 ( a ) ( 1 ) ( cp ) reporting information to credit Burea late payments was Not comply with the lawI Dispute This inaccurate information several Time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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:
I NEED HELP ; month after month since XX/XX/2023 the accounts below have shown inaccurate reports ; returning to me as verified and in some subjects updated ; still very inaccurate. I am in need of help because I am being harassed by a debt collector who is sending letters of intent to sue. In accordance with the Fair Credit Reporting act. The ACCOUNT below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have told the XXXX, XXXX, and EQUIFAX multiple times to reinvestigate ( Equifax ) XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX. 
In todays case Monday XX/XX/2023 the inaccurate information between XXXX XXXX XXXX  XXXX and EQUIFAX XXXXXXXX XXXXLAST VERIFIED updated but inaccurate ; DATE OF LAST ACTIVITY updated but inaccurate ; DATE REPORTED updated but inaccurate ; DATE OPENED updated but inaccurate ; DISPUTE STATUS updated but inaccurate ; CREDITOR TYPE updated but inaccurate ; PAYMENT STATUS updated but inaccurate ; CREDITOR REMARKS updated but inaccurate ; ORIGINAL CREDITOR updated but inaccurate ; PAYMENT AMOUNT updated but inaccurate ; LAST PAYMENT updated but inaccurate ; ACCOUNT TYPE updated but inaccurate ; DAYS LATE-7 YEAR HISTORY updated but inaccurate.

Updated*/modified According to 15 USC 1681 ( 5 ) they are suppose to modify/delete accounts that isn't reporting correctly.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2022-07-29
Company: EQUIFAX, 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 XXXX XXXX acct # XXXXXXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXXXXXX acct # XXXX and XXXX acct # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: NCB Management Services Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company calls me every single day. Leaves a message with no information other than to call back about debt collection. I have checked all credit reports - theres nothing that even mentions this NCB Management Services. 

I have blocked their phone number previously, and they just start calling on another phone number. I have asked them to stop calling me, they will not. 
When I do call back, they tell me this is their attempt to collect a debt. I ask what they are talking about and they say " we're attempting to collect a debt. '' When I inquire about what debt they're calling me about, they ask me for my personal information including DOB and SSN. I say I have never received anything in writing from them, so I will not provide my personal information- I can't confirm its not fraud. 

They're the ones calling me every day over something I have no knowledge of. If they're contacting me everyday, they shouldn't need me to hand over my SSN before proceeding. Again, I have nothing in writing from them - ever. I have nothing with their name in my emails, my credit reports, nothing! How do I get them to cease and desist communications?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Over two years ago I contacted Experian regarding my account with XXXX XXXX that was opened in XXXX. This account had many delinquencies that began in XXXX after my brother passed with no life insurance resulting in me taking on responsibility for a funeral debt in addition to other personal issues that ensued me from fulfilling my obligation to make timely payments to XXXX XXXX XXXX Fast forward and almost 10 years later, this account is still on my credit report to negatively impact my credit. 

I paid XXXX XXXX every cent that I owed them which included all the exorbitant late fees for their harassment in XXXX. I disputed the presence of this account still on my credit report with Experian and XXXX XXXX about two years ago to no avail knowing that the fairness of " up to 7 years from the date of first delinquency '' would mean that the account could be removed now or at the latest in XXXX. However, I was met with resistance and fraud on the part of both Experian and XXXX XXXX and there was nothing I could do but continue to suffer the consequences of the negative reporting. Experian reports " Data Unavailable '' instead of what should have been a late payment. I'm sure they know this because I brought it to their attention. And just last year Experian was reporting XXXX more late payments than they are this year ( a provable fact ). Now the late payments on my report for the months of XXXX, XXXX and XX/XX/XXXX are filled with dashes ( - ) to indicate " Data Unavailable '' when last year they showed " RED 30 Days Late ''. Isn't this FRAUD? This seems to be the same thing they did for the " dashed '' or months showing " No Data '' for the years XXXX and XXXX. Isn't this FRAUD? Isn't this so that this negative reporting can stay on my credit report longer? Does Experian get paid more for allowing creditors to do this? This is wrong and unfair. 

And when does the " Up To '' 7 years from the date of first delinquency get considered. Who gets the benefit of this privilege? What circumstances allow this? I pray that the Federal Government will come up with a way to ease the burden of this type of discrimination and fraud.

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 2022-09-23
Company: Nelnet, Inc.
State: ME
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 am the cosigner of my son 's ( living with me ) private student loan provided by the XXXX XXXX of Maine ( State government agency ). During the pandemic, my son 's studies were ( and still ) interrupted due to him not being able to continue with his FAA check rides due to social distancing and being in a cockpit. Since " studies '' have not resumed for this duration, I am assuming perhaps this was the trigger to begin repayment. With student loan suspension, student loan forgiveness, and the fact my son 's studies have " suspended '' and not halted, the schedule of when student loan repayment obligations would begin was a mystery. No notice had been communicated to me or my son ( although FAME stated Firstmark claimed they did ), and I began to receive " cold call '' type inquiries from a company called " Firstmark Services ''. They would call, and announce it concerned " my '' student loan. Inquiring as to what they were concerned about ( at this point, I have no indication this is not a sales or phishing call ) that ask for my social and/or date of birth. I tell them that I am not about to divulge this information over the phone, especially since they can not provide one piece of information that validates they are talking about a " real '' subject they have a right to talk to me about. I have had no information that Firstmark is anybody we have ever dealt with or did I know that they were FAME 's servicer. Just as when I closed my refinance of my mortgage, I was deluged with calls claiming they need to talk to me about my mortgage. Cold calls to sell me on insurance, due to the fact of the public nature of my loan. These borderline fraudulent type calls appear common and accepted as of late. I told them multiple times to mail me, if they expect me to believe this is an official communication. One call they claimed it was my loan, and I did hang up since it is not and with the wrong name. I eventually received a " NOTICE OF RIGHT TO CURE '' letter.. one that contains strong language describing the urgency of the situation. I went to the FAME office to inquire, and they informed me at that time that Firstmark is their servicing company. My son did contact them, and attempted to establish automatic payments from his bank account. These " automatic payments '' rarely continue month to month, and I appear to receive my son 's billing notifications through my own personal email. They have failed incredibly bad on keeping payments, contact information, and credible notifications timely, organized and retained. I have no doubt, despite their severe negligence on keeping things straight, that they have made a mess of both my ( cosigner ) and my son 's credit report, and I have no trust they have their record keeping straight or accuate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: EQUIFAX, INC.
State: MO
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, Department of Education has violated my rights. 15 U.S.C. 1681, Sec. 602A states I have a right to privacy. 15 U.S.C. 1681 Sec. 604 A, Sec 2 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 2022-09-23
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Purchased merchandise through a company. Received an invoice from them. Went to the TD Bank to do a wire transfer. this happened on XX/XX/2022. Did not receive my merchandise, apparently this Company is Fraud. The Main office is located in XXXX XXXX XXXXXXXX, NY and the instructions I received was to transfer the money to a Bank in XXXX called XXXX BANK. Did not receive my merchandise. Went to the Bank filed a complaint on XX/XX/2022. It usually takes time to make a XXXX XXXX XXXX for a XXXX, that's why it took some time for me to go and file a complaint. The company was in touch with me throughout the entire time and confirmed that the funds were received and merchandise is being shipped ( never shipped ). I tried to reach out XXXX times and there was no answer. Called TD BANK a million times, they said case closed because XXXX BANK did not answer their calls ( hardly believe that ). The amount wired was {$11000.00} ( not a small amount ). I have to take a loss of XXXX and I have to deliver the merchandise to my customer that has paid for the transaction. Please help me retrieve my funds. I am a small business trying to make ends meet during this difficult time. Also visited the branch numerous times and was told that they cant help me w International wires and I am not insured nor am I protected in any way at all. Its hard to believe that the Bank that I bank with for many years can't help me!! 
My Company name is : XXXX XXXX XXXX Located : XXXX XXXX XXXX XXXX, XXXX, NY XXXX - Tel # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: MI
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:
On or around XXXX XX/XX/2022 I found an annotation on my credit reports for a collection account. The account indicates it is from XXXX XXXX XXXX I and indicates a collection on behalf of XXXX XXXX XXXX. I have neither received a collection notice from XXXXXXXX XXXX XXXXXXXX nor have been contacted by XXXX regarding any balance on my account. I do not know what account this is for and do not believe I owe the alleged debt. I do not live at a XXXX serviced address.I have had issues with XXXX XXXX and ported out around XX/XX/2022 becuase my phone kept being deprovisioned from their network and my account had to be reconstructed multiple times beginning XX/XX/2022. The porting process required that the balance be paid in-full before porting out.

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 2022-07-03
Company: Westlake Services, LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I paid XXXX $ down payment and the car was set out to be XXXX $ final price with the fees and gap etc it adds up to XXXX $ I payed XXXX which means I purchase at the price of XXXX subtract XXXX from that Its XXXX $ which means the sold the vehicle to me for more money after all the fees they had typed out on paper and had me sign I thought it was fine till I realized price purchase. 

I left a message waiting response on XX/XX/2022 XXXX XXXX XXXX XXXX number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian is the organization. 

I have my account frozen. 

However, they reject my login when I try to log in. 

When I go through the steps they provide to recover my account ( I give them my date of birth and SS # ) the prompt that is returned says that 'it didn't match '. 

So I followed their instructions to do this by mail I sent them a copy of my Drivers License and recent bank statement via snail mail on XX/XX/2022. 

I have not heard back from them. 

I can not unfreeze the account so I am their financial hostage. 

If there was a way to get a hold of a human being from Experian this would not be an issue.

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 2022-07-03
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX 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 2022-12-04
Company: Continental Finance Company, LLC
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:
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 an open end consumer credit plan as late for 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 2020-04-17
Company: AES/PHEAA
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a loan with XXXX ( 07 NATIONAL COLLEGIATE TRUST ). I have always made my payments on time. For some reason I realised that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX  and XXXX ( 07 NATIONAL COLLEGIATE TRUST ) with no successful resolution. XXXX, XXXX  and XXXX  only reporting me late. There was definitely an error on their part.

Company response to consumer: Closed with explanation