BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-21
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
to be completely honest, I have no idea how this happened to me. Before I went away to college I allowed my parents to basically finance me through everything and now I regret it. They have put me in a huge debt and it feels like a huge slap in the face because I have no way of paying off these loans. I was legitimately unaware of all of these until a few weeks ago. All I want is help. My parents obviously did n't help me and now I feel lost and confused. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: NJ
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:
On XXXX XXXX I wrote to Experian regarding identity theft noticed on my credit files. It was sent certified mail return receipt requested on XX/XX/2020 with tracking XXXX. They responded that the account remained and verified as accurate. 
On XX/XX/2020, I responded back to Experian Certified mail return receipt, with tracking XXXX requesting a validating contract under Section 609 of the Fair Credit Reporting Act. They responded with no verification and only advising again it remained and was verified as accurate. 

On XX/XX/2020, a letter was written to XXXX XXXX XXXX NJ XXXX that requested validation of the account. No response. 

On XX/XX/2020, a second request was sent to Experian certified mail return receipt tracking XXXX requesting the contract again and it to be properly verified or deleted immediately and again it was verified as accurate and remained. 

Before I send my final request to both XXXX  and Experian, with a law suit attached I am asking that Experian permanently delete XXXX XXXX  account from my credit file as it is fraudulent and add a promotional suppression to my file.

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 2022-02-23
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
SYNCB/OLDNAVY XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX To Whom It May Concern : While checking my most recent credit report, I noticed a unauthorized and fraudulent credit inquiry made by this company. 

Inquiry was made on XX/XX/XXXX by SYNCB/OLDNAVY. 


I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

- Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social US SM BUS ADMIN ODA number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611

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 2022-02-23
Company: Experian Information Solutions Inc.
State: VA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 explanation
Consumer complaint received 2017-04-19
Company: GOLD KEY CREDIT, INC.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was taken to the hospital while   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX . The bills are essentially workman 's compensation injuries. The state has neglected to resolve this issue in a timely manner, and I am still in the process of having them take care of the bill. Please contact my liaison  XXXX   XXXX  at  XXXX  XXXX  XXXX  or  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-27
Company: Experian Information Solutions 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:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2020-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I had an issue with capital one and their XXXX Partner. I had use Chase before for years to send a Property Manager payments with no problems to the same email same information and now I did with Capital One so when the payment of {$1500.00} was sent for the first time with capital One through XXXX The property manager got an email from XXXX his bank saying that he was going to receive the funds sent by me and I also got a generated email saying my payment was going to his account connected to his email. I use the same email I have always provided turns out he did receive the email that the money was going to his account but the money was deposited into another account in XXXX to a company that has been close for two years and nobody wants to be responsible for it. done that three years with XXXX but with capital one this happens

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
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.

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 2017-01-07
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received a Barclays Bank VISA card, which I DID NOT apply for. I called the Barclay bank and talk to the " Relation Manager '' and she stated the applications was generated at an XXXX in XXXX CA.on XX/XX/2016. She forwarded this fraud to their fraud division for further investigation. The application had the correct social security and my home address, but INCORRECT mother 's maiden name and cell number. I immediately contacted and filed a report to " www.identitytheft.gov '' and also contacted and place a fraud alert to all my banking institution. Also contacted Social Security Administration and they lead me to the Office of the Inspector General, and I also filed a report with them. I filed a fraud alert to the XXXX major credit report organization ( XXXX, XXXX, and XXXX ). At this point I wanted to file a fraud alert to all governing parties that deal with Identity Theft. Is there anymore I can do? According to SSA, changing my social security number is close to impossible. 
Please advise.

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 2022-08-28
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The Hyundai credit reporting settlement order is In the Matter of : Hyundai Capital America, Case No. XXXX, before the Consumer Financial Protection Bureau XXXX 

This complaint falls in line with the above class action suit that was filed. I am a consumer who has an account with Hyundai. I have on numerous occasions disputed with the credit bureaus the misreporting of late payments that Hyundai reported to them on my credit reports. Each time I received a correspondence stating it was verified and the late payments stayed on my reports. It is proven by the settlement that this is not the case for not only me but thousands of other consumers who have or have had accounts with Hyundai from 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 2020-09-27
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:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Someone has taken compete control of my identity which has been very overwhelming.I have been getting notifications that the same companies keep sending the credit bureaus request for my credit report.I have not applied to any of the companies that is on this report .and not sure who has my information or how they got it.I have been calling the credit bureaus explaining this but as of today they have not been and help.Please help me take my life back

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 2022-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Filed a dispute for incorrect items on my credit report, its over 30 days and i havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: EQUIFAX, 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:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: ENCORE CAPITAL GROUP INC.
State: WI
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:
Name : Midland credit management Amount : {$830.00} Date : Opened XX/XX/2022 Account status : open (? ) Condition : unknown Name : XXXX XXXX XXXX Amount : {$1100.00} Date : Opened XX/XX/2022 Account status : open (? ) XXXX : unknown Please challenge and validate this unknown debt with proper documentation Please challenge and validate this unknown debt with proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
CAPITAL ONE is reporting inaccurate information to consumer reporting agencies that is causing harm to my credit and a violation of my privacy. I am also not being allowed to use my open end credit card. Pursuant to 15 USC 1681, report containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. In addition, Pursuant to 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. This has caused me financial harm and violating my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: JPMORGAN CHASE & CO.
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: Problem with personal statement of dispute

Complaint:
XXXX XX/XX/2020. Why is Chase Bank now making it even harder to get a home equity loan during this pandemic? I was told today that a persons credit score needs to now be a minimum of 700 instead of 680. Before the pandemic the parameters were even lower. Why are they making it so average working people can not get money against their own homes? In the last two months my score has dropped 200 points - the government and banks are not working together? Something is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company continues to call every XXXX15 minutes even after I 've already talked to them and told them when I 'd be making payment. My account is not even 30 days late, it is only 2 weeks late. I 've tried to schedule a payment for the XX/XX/XXXX but they will not take it. They call all hours of the day and night. It is interrupting my work schedule.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: OneMain Finance Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ONEMAIN XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX To Whom It May Concern : While checking my most recent credit report, I noticed a unauthorized and fraudulent credit inquiry made by this company. 

Inquiry was made on XX/XX/XXXX by ONEMAIN. 


I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

- Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social US SM BUS ADMIN ODA number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: T.S. Holdings
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Sir or Madam, IQ Data International is attempting to collect an alleged debt that they claim is owed to my previous landlord.

I disputed this alleged debt and provided documentations demonstrating the amounts alleged owed by m
y previous landlord for several months of rent they alleged was not paid was in fact paid and I provided receipts to IQ Data International, requested that they investigate the matter as I was disputing the debt, but they failed to respond to my debt verification requests or provide the requested documents pursuant to the Fair Debt Collection Practices Act 15 USC 1692g. They failed to do either, but instead reported this inaccurate invalid debt to the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a dispute to correct inaccurate information in regards of my name in XX/XX/XXXX. I received no response back from the 3 credit bureaus. I also sent a letter in XX/XX/XXXX in the same regards. I noticed in XX/XX/XXXX that there was inaccurate information in regards of inquires as well as a charge off on my report that was wrong. I sent in letters in regards of my TransUnion, and XXXX on XX/XX/XXXX. I have not received a response in regards to the investigation results. I ask that all inaccurate information be removed. The credit agencies have not responded in the time allowed.

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 2022-02-21
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was notified of this debt in XX/XX/2021 on my credit report, I immediately called and paid. I have been paying on this hospital bill monthly but did not know this was a separate bill. My dad was very sick and I was taking care of him by myself, he passed away XX/XX/2021. The hospital bill is paid off. I contacted the XXXX XXXX and they were happy to help get this removed from my credit report. I also contacted CMRE to ask them to remove, they were very rude. You can look at my history and I have always had good credit. This has ruined my credit even after paying and at my age this is devastating! I have always been very vigilant in paying my bills! Please help me get this removed. Iv even hired help which is costing me XXXX/month. If I had known this was a separate hospital bill I would have made arrangements to pay it. Life is hard as it is and this has absolutely ruined my life. Please help me!!

Company response to consumer: Closed with explanation