BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear Sir or Madam : I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item is a collection item. The debt that this collection agency is trying to collect on is being collected by the State of New Jersey County of XXXX & XXXX. I have included the court documentation. Please delete the entry in order to correct the information. XXXX & XXXX County is responsible for collecting the debt and they have not requested XXXX XXXX XXXX to collect on their behalf. The State of New Jersey County of XXXX & XXXX is the only collection agency for this debt. I have furnished the same information the XXXX & XXXX but they have refused to remove the entry. I have let the courts know the status of this and they are n't happy and will be doing an investigation on their own. 
Enclosed are copies of payment records and court documents supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible. This is the second time that I have disputed this entry and it needs to be removed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I Paid this account off on XX/XX/XXXXhe amount was XXXX my credit score was XXXX on XX/XX/XXXXonce my account was updated on XX/XX/XXXXMy score decreased to XXXX  I reach out to XXXX  XXXX and they stated I never missed a payment and they don't know why they did that I have included My XXXX  account the first one as of today my score went down from XXXX minus XXXX points on my account you can see from XX/XX/ it was XXXX  ) on XX/XX/XXXX  and in XX/XX/XXXX  THE RECORDING IS INCORRECT IF YOU MINUS XXXX FROM XXXX EXHIBIT XXXX PAGES YOU WILL SEE ITS WRONG SCORING SYSTEM XXXX THEY DECREASED MY CREDIT REPORT FOR NO REASON

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 2016-07-15
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been trying for months to remove false and inaccurate comments reported on an account with Experian. I have contact XXXX XXXX XXXX ( the account in question ), and have asked them to remove the incorrect comments on the tradeline stating the account was disputed previously. The account was never disputed. XXXX XXXX XXXX has informed me the have removed the comments to accurately reflect the fact there should be no comments on the report at all. The comments remain however. I have disputed the comments with Experian several times, and each time they have refused to remove the false comments. This account was never disputed and this is plainly false. Experian has been steadfast in their refusal to correct the mistake. Again, there should be ZERO comments in the XXXX XXXX XXXX tradeline. Anything suggesting otherwise is not accurate.

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: Io, Inc.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
XXXX threatened to charge mt father with identity theft and stealing my identity because he sent back a bill that had my name on it, as well as my father since I am the XXXX. I told them that I was the XXXX after they hit my credit without contact me and I had to contact them for there to be any answers or contact. Beyond that, the lady was extremely, threatening to have my father brought up on charges, calling me a liar and so on. This place is non- descript and they give you as little info as possible about who they are or what you " owe ''. XXXX said that they do not purchase debt, which I 'm almost certain is a lie and initially no one would even say where it was that I was calling, all the while asking me for personal information. In addition, I called several times and they could n't find me in the system because I am XXXX and they had XXXX ( my father ) and XXXX ( not me ) in the system. They 've now hit my credit due to their poor operation and I had no idea until I checked my credit reports and found out. From there on out XXXX has been rude and not at all trying to help me make that payment but instead chiding me, lying to me, providing a little info as possible, and asking for all my personal info.

Company response to consumer: Closed
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: MO
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: OK
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:
In accordance with the Fair Credit Reporting act. The List of hard inquiries violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have sent Experian numerous requests to investigate and correct accounts in my credit report that are reporting incorrectly and they are ignoring my requests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Empowerment Ventures, LLC
State: MA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
NO ONE CAN ACCESS THEIR MONEY. Customer service hangs up on you once you have waited an hour or more to get to them. People are losing their homes, jobs, cant eat, or pay rent. This is a disaster. UNIRUSH LLC/ RUSH CARD is by far the WORST EVER. FOLKS ' MONEY IS MISSING.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: MO
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting of misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: MO
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting of misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting of misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2015-10-02
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
CENTRAL FINL CONTROLACCOUNT NUMBER : XXXX XXXX XXXX XXXX, XXXX, CA XXXX : XXXX FAX : XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX XXXX SEC # XXXX DOB XX/XX/XXXXADDRESS : XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: MO
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2017-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 just received notification from XXXX XXXX that I had an credit inquiry on my credit report. I did not authorize anyone to do a credit check on me. Opened my file and saw that it was XXXX XXXX.This is IDENTIY THEFT. I am wanting this removed from my credit ASAP along with a letter stating it was 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 explanation
Consumer complaint received 2022-10-16
Company: Affirm Holdings, Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Affirm has blocked access to my account on their app for no reason. I am unable to use their service to pay. In contacting customer service, they refuse to give me a reason as to why my account is blocked. Under Federal Law, a creditor is required to give specific reasons as to why credit is denied, and information on the credit bureau they used to come to their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: MO
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:
On or around XX/XX/2021 I contacted XXXX, Experian, and XXXX about the inaccurate accounts, inquires, installments and public records that are reporting on my consumer credit report. After contacting XXXX, Experian, and XXXX, the inaccurate information has continued to be reported. XXXX, Experian, and XXXX is in violation of my rights under the Fair Credit Reporting Act ( 15 USC 1681 ), ( 12 CFR part 1022 ) regulation V ), and have committed copyright infringement. Also XXXX, Experian, and XXXX has continued to violate my right to privacy under ( 15 USC 1681 ( a ) ( 4 ). All concerning documents have previously been sent to XXXX, Experian, and 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 2015-09-09
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am in the process of purchasing a home and FHA XXXX my loan type ) requires all trade lines that reflect I dispute to be removed. I called each bureau, XXXX Experian, XXXX to remove all disputes on my credit report. After several attempts Experian will not remove this dispute. I called XXXX to tell them I want a letter stating I am telling them I know longer dispute and they would not give me this letter unless I paid the account in full so that is what I did XXXX XXXX. When I received the letter all it says is they received a payment from me for {$1500.00}. Nothing that says the account is paid in full and nothing that says the trade line is no longer in dispute. My lender then sent me a letter that the credit company use says they can submit to all bureaus to remove the dispute for me. I signed and they tried with no results. At this point I can not get a loan and my husband and I are living in a hotel waiting to clear this matter. I demand that Experian update my report and I demand XXXX funding to remove that I am disputing this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is saying I owe him {$10000.00} in back rent from XX/XX/XXXX to XX/XX/XXXX for a property that he lost due to false leasing and the property has been on the News from him getting money from XXXX and not using it to fix up the property since Storm Ida which took place XX/XX/XXXX. The property has been placed as blighted and is marked as unlivable. How do I owe him rent for a place that's unlivable and is a blighted. 
XXXX XXXX XXXX was on the XXXX XXXX XX/XX/XXXX and when I contacted the credit agent he went through that's the same day he filed with them. Not to mention ALL his proptery is in XXXX XXXX Louisiana and he got his credit agents called ProCollect out of XXXX Texas where they don't know anything about him or what he's been labeled as in the state of Louisiana, '' Slum XXXX. '' He has abused his authority on many people not just 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 2016-06-30
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The listing on my credit report with Quantum Collections should not be reporting on my credit. I submitted a validation request to them on XXXX XXXX, XXXX as well as disputed with the credit bureaus on XXXX XXXX, XXXX due to my validation request being undeliverable per the certified tracking. 

Finally they responded to me on XXXX XXXX, XXXX see attached response they sent me. 

The collection account listing on my report does not belong to me and the documents they sent me clearly show that they should have invoiced my wife. The " Patient Face Sheet '' that was sent to me from XXXX shows that the " Patient Name '' and the " Guarantor Name '' is my wife. Also enclosed is the Patient Ledger that they sent me even though I 'm not the patient! The only reason why my name was on any of the paperwork that they have is because my name was on the insurance card that was presented ; that does not make me financially responsible and I was not even present. In addition the bill statement date of XXXX/XXXX/XXXX for {$80.00} was clearly invoiced to my wife not to me. I did not sign any document accepting financial responsibility nor was I present. However, this company has managed to report this collection on MY credit report and refused to remove it. 

My wife offered to pay this bill in full in exchange for a deletion of the inaccurate information and they refused. 

Furthermore, they already have reported this collection on my wife 's credit reports as well. 

This inaccurate reporting is damaging my credit rating, as a result of this erroneous reporting and negligent compliance I 've been turned down for financing. Quantum has deliberately damaged my credit and are negligently continuing to do so at the detriment to my family. My good name has been tarnished and this can further cost me in my career endeavors. 

Furthermore I have reason to believe there is a HIPAA violation as her personal confidential medical information was sent to me, in response to my attempt to get this off my credit reports. Since I 'm not a financially responsible party for her to this service her private medical information should not have been sent to me. Yes, I 'm her husband but that does n't exclude her privacy rights afforded to her through the HIPAA ACT, clearly they are negligent.

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 2015-06-10
Company: Element Global Services
State: WA
Product: Credit card
Issue: Other

Complaint:
I am working with a debt company who has legaly rights to help me. This XXXX credit company after fax to them who is handleing do not call my number has been harrassing me non stop even at XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: SLM CORPORATION
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I called multiple times to have a graduated repayment plan started. I thought that it had been started when I received a statement the next month for the full amount. I called again a few weeks ago and was told that everything was all set in the system again and I was put on the graduated repayment plan. No such luck. I just received the latest monthly statement with the full amount due.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief