BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: Experian Information Solutions 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:
I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Experian was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
US DEPT ED XXXX Balance : {$3000.00} US DEPT ED XXXX Balance : {$39000.00}

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 2017-09-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Experian mishandled my information, which puts me and many others at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.

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 2022-02-11
Company: Continental Finance Company, LLC
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XXXX of XXXX I called into and cancelled My XXXX credit card with Continental Fianance. On XX/XX/XXXX my bank account was debited {$120.00}. On XX/XX/XXXX I called to dispute the {$120.00} debit from my bank account and was told that I authorized the payment. This is false. I never authorized payment on a closed account with a XXXX balance. I want a prompt refund of this money.

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 2020-12-23
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:
A week ago, I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize this account and have never incurred debt with this creditor. Also, I got inquiries and I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up this account with someone that has a similar name as 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 2017-09-08
Company: EQUIFAX, INC.
State: IN
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:
Equifax had a serious data breach. Affected are 143 million " customers. '' In order to find out if we 're affected, equifax put up a web page telling people what to do. They show three links ( please see attached jpgs for screenshots ) on this webpage https : //www.equifaxsecurity2017.com/ " Potential Impact, '' " Enroll, '' and " Contact Us. '' Clicking on " Potential Impact '' takes you to another screen that describes how to check if one 's data has been compromised and states that one will have an opportunity to register for Trusted ID Premier, a credit protection service. Clicking on " Check Potential Impact '' takes one to the screen where one enters one 's Last Name, the last 6 digits of one 's SSN. Last night, when I checked my data, instead of seeing the screen that stated whether or not I had been affected, the system told me I was automatically enrolled in Trusted ID Premier. I was not given a choice. 

Enrolling in Trusted ID Premier without my consent has waived my right to sue Equifax for damages. I did not consent to that. The web page did the very same thing for my husband as well. The image titled " auto-enroll in Trusted ID.jpg '' shows the progression of how the screens interacted with each other.
We do n't want to enrolled in Trusted ID Premier. We never wanted to be enrolled in Trusted ID Premier. Neither I nor my husband consent to waiving our rights to sue Equifax.
They should not be enrolling people automatically. It is unethical and immoral and probably illegal. I demand to be unenrolled in Trusted ID Premier. My husband demands to be unenrolled in Trusted ID Premier.
We also demand an investigation into Equifax to determine whether it acted unlawfully in delaying to notify people of the breach so that executives could participate in the stock sale. See the XXXX XXXX article here : XXXX XXXX  XXXX for more details on that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
1. My complaint is about Discover Bank and its affiliates deducting funds from my personal checking account without permission InXX/XX/XXXX. They were never held accountable for this unlawful act. Discover lied and stated that I gave them permission via phone to withdraw {$140.00} from my checking account. Also, fines for Robo calling me from XX/XX/XXXX to XX/XX/XXXX.
2. Discover Bank sued me in the 29th District Court for outstanding debt and the 29th District Court awarded them a judgment in the amount of {$3900.00} on XX/XX/XXXX. Case No. XXXX.
3. I am attempting to be monetary be awarded fines that stem for their unlawful actions in trying to acquire payment. Discover broke federal laws which the 29th District Court does not have jurisdiction over and in addition to the proceedings, Discover cost me to lose money from work in their failure to appear at Court on XX/XX/XXXX. These costs should be used to offset the indebtedness Discover is seeking through their attorneys at XXXX XXXX XXXX XXXX.
4. This complaint is about Discover Bank.
5. The people involved are XXXX XXXX ( Defendant/Counter-Plaintiff ) and Discover Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: BARCLAYS BANK DELAWARE
State: VA
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:
Complaint XXXX was closed by CFPB although the merchant ( Barclay 's Bank ) advised me they were still working on it. XXXX from Barclays indicated she was working on finding the incorrect address issue with the original billing. I called her repeatedly with more information, but she did not respond. The company 's letter was incorrect and reveals that either their records are faulty, or they are concealing the true nature of our conversations. XXXX 's description of my telephone calls with Barclays is false. i specifically talked with the representative about my change of address and the fact that Barclays sent the bill to the wrong address. The fact that XXXX hides this makes me think they are intentionally providing false information to CFPB.

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 2018-08-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I WOULD LIKE TO HAVE THE FOLLOWING ADDRESSES REMOVED FROM MY CREDIT REPORT THEY ARE NOT MINE : XXXX XXXX XXXX, XXXX, AL XXXX XXXX   XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX, XXXX, AL XXXX MY EMPLOYER IS XXXX MY DOB IS XXXX MY SS XXXX MY NAME IS 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 2018-08-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I WOULD LIKE TO HAVE THE FOLLOWING ADDRESSES REMOVED FROM MY CREDIT REPORT THEY ARE NOT MINE : XXXX XXXX XXXX, XXXX, AL XXXX XXXX   XXXX  XXXX, XXXX, AL XXXX XXXX XXXX XXXX, XXXX, AL XXXX MY EMPLOYER IS XXXX MY DOB IS XXXX MY SS XXXX MY NAME IS XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter on XX/XX/2022, to remove these accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. Please do an immediate action regarding this matter. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX : {$710.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$460.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX : {$460.00}

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 non-monetary relief
Consumer complaint received 2017-09-08
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX I received an alert from my credit report stating that a collection was placed on my credit file. I called the hospital that I went to XXXX XXXX Hospital and asked about my bill because I have never received it. I totally forgot about it, it had been so long. They informed me that it was never sent out and that they were going to send it out today ( X/X/17 ) and that there was a financial assistance form attached to it. They were great. I was not aware that I had several bills coming from the hospital, I never received any other bills, no phone calls nor any messages. There is a possibility that it could have gone to a neighbors house with the exact same address as mine but their address is Pass and mine is Court, which happens all the time, they always send it back to the post office. Now to the complaint, I called XXXX ( original ) and Transworld Systems , Inc. ( collections ) to inform them that I did not receive a bill because if I did and believed it belonged to me I would have made some type of payment arrangements. I value my credit so there was no way that I would have ignored it. I have requested a breakdown of what the bill ( an itemized bill ) to see what the charges were for. I was informed by XXXX that they could not provide me with an itemized bill nor could they call me and leave a message concerning this debt. I was very upset about this and talked loudly but not fowl but after being lied to and so inconveniently hung up on. My last calls I did let them have a piece of my mind and asked them to make sure that they were still recording. My issue is, there were no attempts made to contact me other than them claiming to have sent me letters ... no calls? no messages? Heck 1 voicemail message would have gotten my attention. I have contacted an attorney to take them to small claims court if by all means the debt is mine I will pay it but they should have never placed this on my credit report. I never knew of this bill. XXXX XXXX Hospital is sending me a financial assistant letter along with a copy of the bill that I never received and admitted that they never sent one out. But XXXX  whom I never heard of is the one that hired Transworld Systems, Inc. Neither one has contacted me and both claimed to have sent letters. Transworld Systems , Inc. claimed that they did not have my phone number and had my husbands number but stated that when they called me " I told them not to call me '' so if you did n't have my number to leave a message how did I tell you not to call me???? they have never contacted me not once so I knew nothing of this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax, by their own admission, has exposed my social security number and other personal information to hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. I found out that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any item which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for your and the bank 's records ( learned through more research both parties require ). Please remove these files. If Experian, XXXX and XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If no records are provided & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-11
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have loans with XXXX in the amount of about $ XXXX.Everyone knows that when you leave school, or graduate you will get a XXXX  month grace period before payments are due. I received XXXX grace period back in XXXX. I then recently left school again in XXXX of XXXX. I believed that I had another grace period, as the Master Promissory Note does NOT state that there is only XXXX XXXX grace period per loan. Once I realized that Nelnet has been reporting to all credit bureaus that I have been missing payment, and tanking my credit score, I reached out to them via email on XX/XX/XXXX. I was then told you only get one grace period. I asked that they send me a copy if the MPN I signed stating that. The document they sent me does not state only XXXX. It just says " a grace period ''. I responded and let them know this, and they asked that I call. I called on XX/XX/XXXX and the rep tried to reiterate the XXXX grace period policy, and I told her that the XXXX does NOT say that. She put me on hold several time while her and her supervisor tried to find where it states it. They could not. I was then told I had to send an email to XXXX to escalate my issue. I did so on XX/XX/XXXX. I received a call the next day I believe and was told that because my student loans are consolidated, I don't qualify for a grace period at all. I asked where that is written and I signed it, and he told me that the MPN for the consolidated loans does not mention grace periods at all, and I should have known that I did not get one. I said that lack of information is both unfair and misleading when all other loans do get a grace period. So why wouldn't I think it would also apply in my case. He basically said I should have known. I do not think this is fair and I just want them to report correctly to the credit agencies that I am not late on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2017-09-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a part of the Equifax security breach and would like to file a complaint against Equifax. The following is the statement I received after entered my personal information on their website regarding the breach : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' Sincerely, A XXXX XXXX American

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NY
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:
Equifax 's breach has put my information at risk and millions of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: The CBE Group, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have repeatedly asked CBE Group to STOP calling me but they don't stop. 

I believe they are trying to collect an old debt that isn't even mine from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions Inc.
State: VA
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within XXXX  business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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