BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: Experian Information Solutions 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 sent disputes to Experian in accordance with 15 USC 1681i. According the completed disputes received from Experian, an alleged bankruptcy record # XXXX was " verified '' and " accurate '' as a result of their investigation with said furnisher " XXXX XXXX ''. A dispute was filed with XXXX XXXX in which on XX/XX/XXXX, they were unable to " verify '' this record in a time-frame required, and therefore the record was " Removed ''. I have attached a copy of this letter for proof. I received a complete consumer disclosure report from XXXX XXXX dated XX/XX/XXXX, in which the 80 page report did not contain a " Bankruptcy Record ''. I have also attached the letter from the Bankruptcy court stated that they " Do not report filings to CRA 's ''. Experian has violated several Federal Laws, and this alleged record is " Unverified '' and " Contestable '' and therefore must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Experian reporting agencie is reporting false and inaccurate information on my credit report I have reached out to them on this matter there are three XXXX  debt collections appearing on my credit file that are inaccurate reporting. 

XXXX XXXX XXXX in the amount XXXX. 
XXXX XXXX XXXX in the amount XXXX. 
XXXX XXXX XXXX in the amount XXXX. 

I Have reached out to this Agency many times with 3 and 4 disputes that are not been properly Investigated the dispute is coming back as updated and accurate and that information is false I have send documents Certified Mail with a return receipt I have sent many document supporting my clam I have call this company many times and I am unsuccessful with reaching a live agent I have tried uploading documents on line on the website and unsuccessful also website is giving a stange Error the accounts that are being reported on my account is a Violation of HIPPA and a complaint Has also been Filed in that matter I think this Reporting Agency has some fraudulent activity going on that needs to be investigated by Higher authorities because they are dealing with a large amount of accounts and data to be this negligent with accounts.

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 2022-09-28
Company: Experian Information Solutions Inc.
State: GA
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:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Experian XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To whom this may concern, After reviewing my credit reports I noticed that you are alleging that following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX As you know it is against the law to report any information not proven accurate. 

I demand that you provide me with concrete evidence of my obligation to said accounts. 

Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 

I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX : XXXX [ XXXX ] without Prejudice, All Natural Inalienable Rights Reserved

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 2022-08-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received an email on XX/XX/22 from a company I have never heard of called XXXX XXXXXXXX. I was sick to my stomach, then I called immediately to report fraud, as I have never heard of this company and did not and would not apply for this type of loan. They assured me they would alert fraud when I called that night- they clearly did not flag the account. I receive a call today- which shows up as spam risk - so I didnt answer - They left a voicemail - that I have not paid the loan - and I am late on payments. The number I called back today XX/XX/22 was XXXX and told them again I NEVER opened a loan with them. I was given information that this person who stole my identity used my old mailing address XXXX XXXX XXXX XXXX - zip XXXX with my cell number and they were somehow authorized to send money to wells fargo which I have never had a checking or savings account with. These funds apparently were released to account number ending in XXXX- on XXXX XXXX. I received a call today my account was past due - which now I am very worried as someone not only stole my identity, my credit has been impacted. There is a late payment with XXXX knows how high the interest is on this type of personal loan. This same person - tried to open another personal account with XXXX XXXX XXXX the same day and got denied. I have filed a complaint with the FTC, I have called Wells fargo and I have called XXXX loans- I am filing a police report next as well as calling XXXX XXXX, XXXX, XXXX and XXXX and am prepared to get professional legal authorities involved.

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 2022-08-01
Company: Experian Information Solutions Inc.
State: NM
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 have contacted the company to notify them I did not open this loan. After speaking with them the social security number was correct, but date of birth listed was incorrect, second where I do not have a bank account where funds were transferred to. I do not have a bank account at XXXX XXXX XXXX. They have an account number, where a payment was withdrawn from and notified them again I do not have an account there. Phone number they had listed was not my phone number, they are hurting my credit by not removing this report. I have filed a fraud report at a website. Will soon file a report with the police. I feel they did not follow through with the process of verification and allowed my identity to be stolen.

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 2022-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/21 I financed a new XXXX encore and I was not disclosed any information and what my finance charge consisted I'm being charged XXXX. I was not offered insurance or given my truth and lending statement. The information was withheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: IN
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:
Experian reported an inaccurate inquiry from XXXX XXXX on my consumer file. This information was inaccurate and deleted by Experian. 
I have attached my Experian report 1 copy showing the inaccuracy reporting and the other copy were Experian has admitted to this inaccuracy and has deleted from my file. I have suffered financial damages, emotional distress, and my reputation has been damaged because of you reporting this inaccuracy. 
Pursuant to the FCRA 1681o - Civil liability for negligent compliance I am seeking compensation for my actual damages in the amount of {$3000.00}

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 2022-08-01
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I recieved a loan from Sallie Mae, Now Navient, in XXXX. 

Earlier this year loans such as mine were deemed fruadulent and the Federal Government stated that Sallie Mae should cancel the loans. The criteria was that the loan be subprime OR from a list of schools, mine was on the list of Schools. The loan must have been from XXXX to XXXX, mine was from XXXX. It must have been discharged before XX/XX/XXXX, mine was discharged in XX/XX/XXXX. The barrow must have been from one of XXXX states, California included which has always been my state of residence. 

Sallie Mae XXXX Navient, has refused to cancel my loan, they are currently saying that I owe {$81000.00}. This is preventing me from purchasing a house as it shows that my debit to income ratio is to high. 

I have spoken to Navient and XXXX XXXX as well as the collection agency and specifically XXXX XXXX. They claim that my credit score at the time of lending was too high. However the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, was specifically named as being a school that was part of the group commiting fruadulent lending practices and should have never been offered as a loan. There was state and federal law enforcement actions were taken against the school. The loans deemed preditory in nature. 

I am trying to get this resolved as the stress associated with it has caused me to be given XXXX XXXX XXXX  and my therapist has even deemed that I would be elegible for a service dog due to my increasing XXXX XXXX. Other than the stuff around the limitation due to these loans there is nothing that triggers these XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: CO
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: SUNRISE CREDIT SERVICES, INC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an alert from XXXX XXXX of a New Collection Account detected XX/XX/XXXX. I called the Sunrise Credit Service , Inc. ( XXXX ) XXXX the same day and discovered I had an outstanding balance with XXXX XXXX XXXX of {$2100.00} from charges made in XXXXXXXX XXXX XXXXXXXX. I did not make these charges. I do not know what these charges are for. I do not know who made these charges. Someone used my name and social security number to make these charges- which means I'm a victim of identity theft. The phone number, email and address used to make these charges are not mine and have never been mine. Sunrise Credit Service sent me Identity Theft Victim 's Complaint and Affidavit form to fill out - which I did and submitted XX/XX/XXXX. My incident number for that submission was # XXXX. I was again notified with an alert from XXXX XXXX of a New Collection Account detected XX/XX/XXXX. It was by the same collection service for the same charge. Apparently my identity theft claim had been denied by XXXX XXXX XXXX. Using XXXX XXXX XXXX XXXX online portal I protested the ruling, incident number # XXXX on XX/XX/XXXX. That day I received an email from XXXX XXXX XXXX acknowledging my inquiry & stating a time frame for a response from them of 14 days. Since this time I have filed a police report and am going through XXXX XXXXXXXX XXXX  service to help protect me from someone using my name and social security number again. 1. I never received information about what the charges specifically were from either XXXX XXXX XXXX  or Sunrise Credit Services. 2. I never received notice of denial from my Identity Theft claim with XXXX XXXX XXXX. 3. I have been unable to find out why it was denied- which according to the police is my legal right. 4. I have yet to hear the results of my appeal from XXXX XXXX XXXX from XX/XX/XXXX. 5. I have been unable to make contact with an XXXX XXXX XXXX customer service professional in the fraud department despite calling multiple times and being on hold for over XXXX documented hours.

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 2022-08-01
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: Account information incorrect

Complaint:
Unfortunately, I fell ill to XXXX XXXX and was unable to work for 35 days, with all the bills pilling up I decided to called in and speak to one of there reps and explained my situation. I was told that there wasn't any available assistance from the Care Act '' and the only available option was to file for an extension or make a payment arrangement with a partial payment which I did make a payment of {$400.00} on XX/XX/XXXX and the balance {$190.00} on XX/XX/XXXX, so thats what I was told. I understand it is my full responsibility to make sure my account stays in good standing but I felt like I was mislead. To this day I have not and will not miss another payment. This payment does not show my credit worthiness. I kindly request that the information be corrected and updated to paid from my credit file, a payment was made and I did it on the phone with your rep. I was also told that if I made 3 following payments that the action would be revised, that still did not happen. As I am in the process of buying a house this information blocks my full ability to purchase without issue. I did what was requested by your company at that moment.

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 2022-08-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Carrington Mortgage recently purchased my mortgage from another mortgage company. I was never contacted by the company to tell me my mortgage had changed hands. After 30 days they claim they did a vacancy check and charged me XXXX dollars. Why go through the effort of sending a person to my house instead of attempting to contact me by phone, email, or other means? They claim the {$25.00} dollar fee is in my contract. I never signed a contract with Carrington, and the contract I signed with the previous mortgage company does not contain this clause. They have not shown me any evidence that they did a vacancy check, attempting to contact me, or even shown me that I signed the clause assessing the XXXX dollar fee. They've asked me to send a fax ( FAX? ) or write a letter to a XXXX XXXX XXXX This is 2022, why not email or phone call? This is undoubtedly to discourage people from disputing these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Unfortunately, I fell ill to XXXX XXXX and was unable to work for 35 days, with all the bills pilling up I decided to called in and speak to one of there reps and explained my situation. I was told that there wasn't any available assistance from the Care Act '' and the only available option was to file for an extension or make a payment arrangement with a partial payment which I did make a payment of {$400.00} on XX/XX/XXXX and the balance {$190.00} on XX/XX/XXXX, so thats what I was told. I understand it is my full responsibility to make sure my account stays in good standing but I felt like I was mislead. To this day I have not and will not miss another payment. This payment does not show my credit worthiness. I kindly request that the information be corrected and updated to paid from my credit file, a payment was made and I did it on the phone with your rep. I was also told that if I made XXXX following payments that the action would be revised, that still did not happen. As I am in the process of buying a house this information blocks my full ability to purchase without issue. I did what was requested by your company at that moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Unfortunately, I fell ill to XXXX XXXX and was unable to work for 35 days, with all the bills pilling up I decided to called in and speak to one of there reps and explained my situation. I was told that there wasn't any available assistance from the Care Act '' and the only available option was to file for an extension or make a payment arrangement with a partial payment which I did make a payment of {$400.00} on XX/XX/XXXX and the balance {$190.00} on XX/XX/XXXX, so thats what I was told. I understand it is my full responsibility to make sure my account stays in good standing but I felt like I was mislead. To this day I have not and will not miss another payment. This payment does not show my credit worthiness. I kindly request that the information be corrected and updated to paid from my credit file, a payment was made and I did it on the phone with your rep. I was also told that if I made XXXX following payments that the action would be revised, that still did not happen. As I am in the process of buying a house this information blocks my full ability to purchase without issue. I did what was requested by your company at that moment.

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