BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-16
Company: GREAT LAKES
State: NY
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 the years I have disputed the way the Department of Education has been reporting my information. 
Loans taken out in XX/XX/XXXX, -XX/XX/XXXX with 36mo terms would have either become delinquent in first year or been paid in full by XX/XX/XXXXor aged off credit report in 7yrs of first delinquency. 
They are reporting first delinquency in XX/XX/XXXXas a means to keep on my report an additional 7yrs. They waited till the last moment to maximize the damage to my credit. 
Passing loans also does not make it a new loan or debt. Because multiple servicers have passed much of the information can not be verified. Loans taken out in XX/XX/XXXX-XX/XX/XXXX were sent to Great Lakes borrowers. Great Lakes has informed me they do not have record of who had loans prior or information about payment history. How is it possible to enforce this debt when chain of custody of these loans can not be verified? 
Both Great Lakes and Department of Education are reporting one loan in 3 ways. The department of education has split it in 2 and reporting as separate loans. 
They also claim I took out nearly 100k in student loans. I went to XXXX  college not an XXXX XXXX XXXX to be a XXXX. What lender would give a young adult XXXX to go to XXXX   college? A lender would not give a buyer 3 times a car value for purchase. It is not reasonable to believe I received this much. Both the lenders and schools have been unable or unwilling to show evidence I actually received any disbursements. I am unsure if my signature was used to falsely obtain loans I did not recieve or if signatures were forged. 
Each time I have disputed with credit bureaus or directly no changes are made except to increase balance. Even the number of loans they are reporting is inaccurate. According to the nslds.ed.gov website there are 11 loans yet reporting 15 on XXXX. Confirmed not another servicer. I believe there are duplicates. I have also requested proof of signatures and certification of debt. The only response I have received is a copy of master promissory note with an electronic signature. Not one hand signature to prove loans received. Master promissory note does not give dates, amounts, disbursements, interest rates or any financial information whatsoever. Truth in lending act states they are required to be forthcoming with this information. 
I want this information removed from my credit report as it has adversely affected my life and even cost me a job offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I checked my credit report and saw a {$250.00} collection from Collection Consultants from XXXX. I called XXXX and I guess there was a mistake with the billing as I was covered at the time. XXXX confirmed these would be taken care of and the collection would be recalled from Collection Consultants and deleted from my credit reports. As of today, it is still there. I contacted Collection Consultants who told me I need to pay them. XXXX has confirmed these are closed and recalled from the agency and would be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX XXXX {$4200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: Cooper Hoffman Klein Associates
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I 'm receiving multiple calls from an Debt collector claiming to be from Cooper, Hoffman, and Kline - XXXX XXXX. They have called me several times at my job with numerous threats to prosecute me due to fraud. When I called them back to verify their company name, address, etc. they were extremely rude and short. They are calling my cell phone, employer, and family members. Although I 've included this extension, they are calling me from multiple extension and different phone numbers

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Revenue Recovery Corporation
State: ND
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I have disputed this account and have no verification of this debt. I am unaware of any outstanding medical bills that I owe this company. I have always had Medicaid as an Insurance provider. If I had any bills Medicaid would 've paid them. It is also against the law to bill someone who 's insured with Medicaid for any out of pocket expenses.

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 2022-07-21
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: Account status incorrect

Complaint:
ATTN : XXXX XXXX at XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

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 2019-02-16
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt was the result of identity. I do not live in XXXX MI I am a resident of XXXX TX. I have a relative that has a substance abuse problem who uses my identity without my permission. the collection agency will not remove this debt and will not send me documentation that this is my debt. they rely on a third party form to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
Had a commenity BJs perks card used mostly at BJs and paid in full every month. Was offered interest free for a year to move any balances to this account. I still pay my new charges off each month plus the minimum payment and they are charging interest every single month. They are saying that I have XXXX separate balances for charges in BJs and outside of BJs ( almost never happens ) and they are charging 14.99 % for outside purchases and 6.99 % for BJs purchase, but I pay the bill in full every month and on time, if not early.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I previously dispute these fraudulent account on my credit report with out my knowledege and the credit bureaus only removed 1 account and update the rest. None of these accounts on my credit report transaction are done by myself. I am asking that these accounts to be remove immediately. I do not understand how TransUnion, XXXX  and XXXX  reporting fraudulent accounts. I have never done business with such companies.

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 2020-09-25
Company: EQUIFAX, INC.
State: VI
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 quite a few hard inquiries showing on my credit report that was not authorized by me and therefore I am asking the credit reporting agencies to please delete them. The only ones that I know of are 1. XXXX XXXX XXXX  XXXX 2. XXXX XXXX XXXX   .3XXXX XXXX XXXX The other hard inquiries was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

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 2015-06-27
Company: Netspend Corporation
State: TN
Product: Prepaid card
Sub-product: General purpose card
Issue: Fees

Complaint:
I have been with WU for about XXXX years. Recently they changed their debit card to Netspend and started charging approximately {$2.00} per transaction. I called and spoke with them and they told me in order to stop paying the fees for every transaction I need to pay a monthly fee instead. 

The old western union card which I had up until a year they never charge a fee for a transaction except for adding adding money to the card which was the attraction of using the card. 

Now no matter what amount they hit me with a XXXX fee. so if i spend XXXX I have to pay XXXX. They get to collect interest off my money. 
i have a XXXX prepaid debit and they only charge a fee when making the deposit onto the card. 
see attached ( XXXX ) which is my account ledger.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-06
Company: CURO Intermediate Holdings
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX has send a copy of a contract that I have with speedy cash. I did not sign a contract with them and nor do I recall them sending me anything that shows that I havany contractual obligation to pay them. I have send certified letter requesting that XXXX provide an agreement with speedy cash that grant them the authority to collect on this alleged debt. Also any insurance claims been made by any creditor regarding the account. Verification that this debt was assigned or sold to collector. Documentation showing they are licensed to collect debts in Missouri. Commission for debt collector if collection efforts are successful. I also asked for them to provide the name and address of the bonding agent for COLLECTION AGENCY in case legal action becomes necessary. And I also stated in my letter that their claim will not be considered if any portion of the above mentioned was not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX Is reporting that I owe {$280.00} acc # XXXX and {$490.00} acc # XXXX The accounts show that the account was opened XX/XX/XXXX, and the other XX/XX/XXXX which is incorrect, It was requested that proof and validity of debt was provided, and sufficient evidence was not provided

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Sunset Management, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has repeatedly called me about getting in contact with a friend who has a debt with them. They call every week day between XXXX and XXXX am and leave a message about having the friend call them. They called my cell phone repeatedly until I blocked them and now they are constantly calling my landline and leaving messages. The friend that owes them does not and has not lived with me, so their solicitation is particularly aggravating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I took out several loans with this company in the past. I would always pay hem back. For some reason I fell behind on one of the last loans I was planning on getting from them. I then was charged though them. They took the money from my Bank account. Me thinking they had tooken all of the money that i owed. But they were short XXXX . So I never went back to the store for a while. I then noticed I did owe them still I was being called maybe a couple times. I was supposed to go in and pay but I just never went it in because maybe since I thought it was only XXXX they would charge again on my bank account. Well now it 's time to pay it all off in full payment. I would like to do this as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2020 I received a letter resulting from a dispute with XXXX that shows 20 accounts of the company CAPITAL ONE, all those accounts were shown to be deleted but I never gave CAPITAL ONE authorization to open all those accounts without my consent. I have sent a letter to contact them for more than 10 days and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outragous amount of accounts that have been open or are ope. Please remove these accounts from my report as soon as possible. They do not belong to me. CHAPTER XXXX BNKRUPTCY DISSMISSED

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 2015-04-16
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: IA
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I dispute the validity of this debt. 
I do not believe I owe this debt for the following reason : The debt is too old and may be time barred. There has been no activity on this debt since 2007. 
I request written verification of this debt in the following form:1. I request the date of the last payment made on this debt. 
2. I request any and all information pertaining to this debt including date of agreement. 
Until such verification is received you may not contact me in any form.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation