BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-22
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
ADVANCED COLLECTION BUREAU, INCXXXX XXXX, FL XXXX XXXXXXXXTEL : XXXXXXXXDear 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 ADVANCED COLLECTION ACC # 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 ( FCRA ). 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 : ADVANCED COLLECTION ACC # XXXX 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 SOC SEC # XXXX DOB XXXX XXXX BAY, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: SLM CORPORATION
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have student loans with Sallie Mae. I am still in school and while I it has taken far longer than I ever hoped, I have never left school. I have taken a couple term breaks of a month or two, but have never stopped attending. Sallie Mae will not stop calling even when I upload documents, speak with customer service agents, refer them to the clearing house. They just keep calling and emailing demanding payment. When I speak with a customer service person they inform me the calls are automated and will not stop until I bring my account current. 

Why are they allowed to dog people none stop and will not accept emails, only uploaded forms or phone calls that they keep saying I my school info is not available to them? 

Surely there has to be some for of protection from this type of harassment. The stress is sending me crazy. do n't they think if I could have finished school and repaying my loans I would have? I need to help to get these dogs off my back so I can focus instead of the constant hounding for payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$900.00} XXXXXXXX XXXX XXXX XXXX Balance {$8500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
After many calls and letters I still am yet to find out the variables used in determining the interest rate Sallie Mae offered. Under truth in lending, there must be some obligation, after receiving all my personal information and processing a loan request, that they provide me with the details as to how the interest rate offered was determined. 

With a cosigner XXXX score of XXXXSallie Mae offered XXXX a loan at anywhere from 8.37 % to 10.875 %!! There is nobody at Sallie Mae who can explain how this interest rate that was offered is calculated, just that it 's non negotioable. Then they are guilty of false advertising since they advertise the following rates : Variable interest rates from 2.50 % APR to 9.59 % APR3 Fixed interest rates from 5.74 % APR to 11.85 % APRXXXX If they are offering XXXX a rate only slightly lower than their highest rates available, with a cosigner with an excellent rating that is agreeing if XXXX defaults to be responsible for the loan, than there is something that does n't add up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: CA
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED 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, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$660.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED 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, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$660.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance - XXXX XXXX XXXX XXXX  XXXX Balance {$2300.00} XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-18
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have a XXXX ( XXXX ) loan with ( University XXXX, XXXX, XXXX ) outstanding with XXXX late payments from last year. ECSI told me to fill out a economic hardship application so there is proof of my XXXX last year during those XXXX late payments and they would clear those late payments reported with credit bureau. They accepted my application but the credit bureau is still reporting the XXXX late payments. I need those late payments cleared from my name please. I pay XXXX the amount due on this same loan every month now that my business is reporting income. I would appreciate a little help, especially from all the hard work I put in for a XXXX and the effort it takes to start a business from scratch.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: STERLING JEWELERS, INC.
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Kaye Jewelers put o my credit report on XXXX that I was late with the payment and I was not. I 've actually paid above and beyond my payments. I 've asked them to remove it from my credit report and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: GVA Holdings, LLC
State: TN
Product: Payday loan
Issue: Can't contact lender

Complaint:
In 2012 I borrowed money from Spot on Loans and paid them in XXXX months later. They did auto withdrawals from my checking and I have the bank statements for proof this paid. Now I am getting collection agency calls to collect on this same account or rather same date of service, and that is the only Payday Loan I made on this date of service.. phone number XXXX XXXX XXXX and another collection Agency last week from phone number XXXX, XXXX. I explained this account paid in full previously and they always send it to another agency. They not only call my number but have found other people in my family their phone numbers. So I ca n't block them. It was my miss fortune to have to borrow from a PAYDAY loan company but I paid it in full. Now it seems that was not enough. I want them to stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I opened an American Express Platinum Business card last XX/XX/XXXX. The signon bonus is XXXX membership points after spending {$15000.00}. Soon after I got the card, I also got a targeted offer letter with the signon bonus of XXXX after speding {$10000.00}. So I called American Express to ask what offer my card had. They told me it 's the same as the targeted offer letter. So I spent a little more than {$10000.00} by XX/XX/XXXX. Then I found I only got XXXX points. I started to call AMEX and told them the story and they promised to open an investigation. I did n't hear anything back from them so I called AMEX again today. To my surprise, I was told even they gave me the wrong information, they ca n't change the original offer, nor offer me other options ( such as I spend the required {$5000.00} in the next week or so ) so that I could get the missed XXXX points. I think it 's really unfair given the fact that I was given the wrong information so the spending requirement was not met.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: MD
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:
I have reviewed my credit report and have noticed so illegal activities regarding the reporting of certain information. Please see attachments for directions on what to do.

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 2022-03-15
Company: EQUIFAX, INC.
State: MD
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:
I recently checked my credit report and i see some accounts that are causing harm to my otherwise impeccable credit report. Due to certain laws that protect me, I believe these accounts should be updated to perfect payment history. Please see attachments for more info. Failure to comply will result in civil penalties for you willingly ignoring the laws that you are to abide by.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I recently checked my credit report and i see some accounts that are causing harm to my otherwise impeccable credit report. Due to certain laws that protect me, I believe these accounts should be updated to perfect payment history. Please see attachments for more info. Failure to comply will result in civil penalties for you willingly ignoring the laws that you are to abide by.

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 2016-02-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have been trying to get a 24 month mortgage payment history from my current lender, HSBC. I have been trying to get it for over 2 months and tell me they will send it but they never do. They just send letters acknowledging my request. I am trying to refinance out of this high rate adjustable mortgage and they are prohibiting me by not providing my mortgage histories. The new fixed rate loan I am trying to get will save me over {$500.00} per month. How can they refuse to give me this information? They are keeping me in a very bad loan and causing me financial hardship. Everytime I call they say they will send it but so far I have received XXXX letters acknowledging my requests. I did get one history but it was completely ineligible and they did not send one for my XXXX mortgage as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My complaint involves XXXX and TransUnion. A few weeks ago in response to an email I received from XXXX suggesting I could save money if I insured my car through them I filled out the requested information and received a guote. I did not take further action. Today I received an email from XXXX indicating that my quote was higher due to reporting information they received from TransUnion that included 4 items that were on my report that would cause a higher quote.

I don't understand any of the points listed and they don't seem to have affected my overall credit score which is very high.

I'm not inclined to spend the effort to work with either company to correct this mis-information. I will just go to some other insurance provider in the future. 

But it does look to me like XXXX is just trying to find a reason to inflate the quote and either leveraging or partnering with the credit reporting agencies to justify it.

I do think there needs to be much more scrutiny and regulation of the credit reporting agencies. They seem to have a lot of influence on consumer affairs with very little oversight from people who are actually concerned about the consumer.

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 2020-03-05
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection appeared on credit file. Ive contacted NATIONAL CREDIT ADJUSTERS LLC to provide a validation of debt. No information has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Experian Information Solutions Inc.
State: GA
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:
There are several accounts reporting on my credit file that does not belong to me. Please assist me in getting these accounts removed from my credit file. 

Accounts reporting as a result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX Please remove unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-30
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was hospitalized,XX/XX/XXXX after a XXXX. After the XXXX someone cut off my American Express Card. My credit is and was excellent until others used my credit card after, XX/XX/XXXX. I moved to XXXX and used my card again. The balance paid off and assumed correspondence from American Express stated I had informed them to cut off my credit card with the respect of this problem is by law XXXX year XXXX, ( forwarding a written statement to the bank which issued the credit card ). I contacted American Express by letter and telephone, they would n't believe I did n't cut off the credit. This has caused extreme hardship, due to XXXX XXXX denied me a credit card and XXXX XXXX XXXX had charges of purchases, I did not purchase, also harassed me for payment and I informed them I did not make the purchases. Someone is attempting to destroy my credit. At this time I do not have a credit card with my financial status which is very strong financial assets. Please Advise. I was called into the office of a XXXX Hospital stating a nurse had my credit cards. It is very hard to believe American Express of great professional respect and the banks of complaint are the true respondents. By professional performance as a Corporate Leader the banks always cooperated. It is assumed someone else maybe answering their telephone communication systems with unprofessional skills. After reading your scrubbing section, it should be monitored due to the zip codes are financial accounts and I do not desire to have any finances removed or scrubbed from my zip code trust account. The OMB number displayed on your web site is also one of my financial asset accounts. The 12 U.S.C 5493 gives me the respect to file my complaint with you due to the law of year XX/XX/XXXX and yet the 12 U.S.C ( United Supreme Count of 12, Understand 5493 is also personable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: IL
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 XX/XX/2022 I sent the Consumer Reporting Agencies a Certified letter ( tacking # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) asking each Consumer Reporting Agency to provide me with the documentation where I XXXX XXXX XXXX ( the Consumer ) gave the Consumer Reporting Agencies written Instructions to Furnish or publish an account on my Consumer Report. in According to the FCRA Permissible Purposes of Consumer Reports 15 USC 1681b ( 2 ). its now XX/XX/2022 and I still have not received that document from the CRA 's I also asked the Consumer Reporting Agencies to do a full investigation of the accounts that is reporting on my consumer report. the Consumer Reporting Agencies Stated ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX, ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX was properly investigated and all the Information was accurate, but how is that possible if the Open date is inaccurate, the date last active is inaccurate, the date of last payment is inaccurate, the Account type is inaccurate and the past due is inaccurate these are grounds for Deletion. According to the FCRA 15 USC 1681 everything has to be 100 % Accurate So once again the law clearly states a consumer reporting agency can not furnish any accounts on my consumer report without my written instructions. and I never gave no one written instruction to furnish anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
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: Information belongs to someone else

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE BEING REPORTED BY YOUR AGENCY. I SENT DISPUTE LETTERS ON XXXX WITH NO INVESTIGATIVE REPORT RESULT RESPONSE. 

AS OF XXXX THERE IS A 30 DAY VIOLATION WHICH IS INDEFENSIBLE UNDER THE FCRA GUIDELINES.

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