BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-02
Company: Stern Recovery Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
per the hippa law to demand this collection to be deleted from form credit report. I do not nor have not done business with stern recovery services and under the hippa law they don't have the right to uptain any of my private medical info from anyone on my behalf. Acct number ending in 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 2022-10-27
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-06
Company: EQUIFAX, INC.
State: MO
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 XXXX XXXX Account # XXXX ) has violated my rights. 

15 USC 1681 Section 602 states that I have a right to privacy.

15 USC 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 a credit account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: NY
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need these items removed right away! 
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 2022-11-28
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH has responded to COMPLAINT XXXX with the attached document dated XX/XX/2022. 
PHH is requesting a {$300.00} payment for escrow shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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:
This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX FXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-07
Company: Thaxton Investment Corporation
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a debt that showed on my XXXX report as a loan. I disputed this loan, as I have never signed any loan documents. A collection agency has the account now, and when trying to tell them the loan is not mine and it's fraudulent, they want me to give them personal information which I will not do. Like my full social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: First Advantage LNS Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have 3 NCAC accounts being reported on all 3 of my credit reports, and have been trying to access my account online at NCAC ( national credit audit corporation ) and can only log on to see one of these accounts for which the reported address for me is inaccurate. The online settlement pay off offer is lower than what I was offered via email from an XXXX XXXX. I was told that they could not be corrected to allow me to see what is owed online. This makes no sense. Its like they dont want me to be able to see what is or isnt there. 
I also feel as though they are not being honest, as I was told by XXXX that she would have to call the original company to seek approval of a lower settlement amount. These accounts were sent and purchased my NCAC over 4 years ago. 

This is prohibiting me from renting an apartment and I will soon be homeless if this cant be addressed timely due to my current lease terminating on XX/XX/22. 

The only account I can get online access to is # XXXX. Account # s XXXX and XXXX do not pull up when I enter the required account # and last 4 of my social security #.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone fraudulently opened up a checking and savings account with BMO Harris Bank with my Social Security number and name. I contacted them on XX/XX/XXXX. Eventually their fraud department agreed the account was opened fraudulently and closed the account and sent me a letter acknowledging that on XX/XX/XXXX. I then received a letter from BMO Harris credit dispute specialist dated XX/XX/XXXX that stated that the account in question was opened properly. They would not take any further action to clear my credit unless I sent them a police report identify and I was a victim of identity theft. I have filed now for a police report, but how is it that the fraud department can say it was fraud and the credit department can say were not going to clear your credit. The only reason I knew the account had been opened was the fraudsters didnt select paperless statements for the savings account portion. Ive never received any information about the checking account that they had a paperless option on, nor do I know what the account number is.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The following hard inquiries were submitted to my credit report. 

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 2022-06-22
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Under 15 U.S. Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Responsibilities of furnishers information to consumer reporting agencies. I did not consent to unauthorized inquiry. ( XXXX XX/XX/2021 ) I demand it be removed immediately. I have filed several disputes and the inquiry is still being reported on my credit report. I feel I'm being taken advantage of and being ignored of my disputes. You are in violation reporting misleading, false reporting. Delete this inquiry immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Receivable Management Group, Inc. (GA)
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the TransUnion credit bureau and found that this REC MGT GRP ( Original Creditor : XXXX XXXX XXXX ) was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2022-08-20
Company: Navient Solutions, LLC.
State: MD
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 have been one of the defrauded by Sallie Mae for their practices, e.g. forced to take private high-interest loans through Sallie Mae/Navient when I was unable to pay Sallie Mae/Navient, but I did not go to a for profit school. However, I need remedies too. 

As of today, per Sallie Mae/Navient, I have paid over XXXX on an original XXXX loan and they say I will not pay off the loan until XXXX. I have no idea how to get them to rectify the problem and I have called and emailed. They have no claims department and have no remedies. Please help/advise. They are the most horrible lenders I have ever dealt with and they forced me to take out the loan in the first place when I was experiencing economic hardships. 

Warm regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-08-20
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:
" False Credit Reporting '' on the above account number for XX/XX/2021. OVERCHARGE on account of {$2300.00}. 

SEE Attachment for correction ASAP. 

( 1 ) XXXX XXXX was paid in XX/XX/2021 ( See Attached ) ( 2 ) Mortgage sent to address on bill from new takeover company XXXX on XX/XX/2021. XXXX provided WRONG ADDRESS for payment. Resubmitted payment. ( 3 ) Letter from XXXX stating payment was made but to wrong address per XXXX. Payment made within the 30 day period. ( 4 ) OVERCHARGE went from {$2300.00} to {$3500.00}. 

Filing another complaint against you with CFPB and now an attorney for recover of several {$1000.00} 's in overpayment.

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 2022-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are four ( 4 ) inquiries appearing on my XXXX Credit report from XX/XX/2021 that I did not authorize. I have contacted and disputed these with XXXX and they refuse to remove and also refuse to provide information on how they verified these accounts or provided me with a document with my original signature authorizing these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
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: Account status incorrect

Complaint:
" False Credit Reporting '' on the above account number for XX/XX/2021. OVERCHARGE on account of {$2300.00}. 

SEE Attachment for correction ASAP. 

( 1 ) XXXX XXXX was paid in XX/XX/2021 ( See Attached ) ( 2 ) Mortgage sent to address on bill from new takeover company XXXX on XX/XX/2021. XXXX provided WRONG ADDRESS for payment. Resubmitted payment. ( 3 ) Letter from XXXX stating payment was made but to wrong address per XXXX. Payment made within the 30 day period. ( 4 ) OVERCHARGE went from {$2300.00} to {$3500.00}. 

Filing another complaint against you with CFPB and now an attorney for recover of several {$1000.00} 's in overpayment.

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 2022-06-22
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries from both JP Morgan Chase & XXXX XXXX  for credit card applications reported on my credit report for accounts I did not apply for. Contacted both banks to alert to fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
1. My Citizen Bank account was a legacy XXXX accounts sold to Citizen Bank.

2. Around early XXXXXXXX XXXX, I realize there was an overdraft/outstanding balance ( less than XXXX XXXXXXXX ) in my Citizen Bank Checking Account. 
3. On XX/XX/XXXX, I sent in total of {$5000.00} to the checking account that had an overdraft/outstanding balance, with an aim to settle all balances. 
4. On XX/XX/XXXX, Citizen Bank sent me a check with an amount of {$4700.00} ( original {$5000.00}, net of overdraft ). I have no clue why I received such check.

5. When I logged into the website dashboard, all account balances are shown zero which made me think that all my balances with Citizens are now cleared.

6. However, my credit report continued to be report with late payment thereafter and my credit score continued to drop.

7. Finally, after speaking to more than 5 different representatives. There was another outstanding balance from " Overdraft Line of Credit ''. Apparently, the bank did not take the cash from me back in XXXX to settle that balance - before sending me a check for the remaining balance in the account ; in turn, the bank continues to report that as a late payment items. The bank took {$220.00} from my {$5000.00} cash balance to settle a bank overdraft balance. 
8. The bank failure to use the cash from the customer ( XX/XX/2022 ) to fully settle all the outstanding balances related to the checking account is not the customer fault. The bank staff did not review all the outstanding balance of the customer before closing out the checking account and remitting the check of to the customer account.

9. With the aim and action to settle the full outstanding balance ( sending in {$5000.00} ) to the bank from the customer, the bank should not report the customer 's outstanding balance as " late payment '' after they remitted the check to the customer. It is bank 's own error for not applying the cash to settle up the outstanding balance.

10. The bank should correct the customer credit report due to it is bank operational error. Bank staff did not review the account correctly before remitting the remaining balance.

11. Please see all the check copies. 1 ) Wires sent to Citizen bank with an aim to settle all outstanding balances ; 2 ) Check received from Citizen Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions Inc.
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian and XXXX credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$2900.00}.

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 2022-08-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Before XX/XX/2021 I reached out to Equifax regarding a bankruptcy that is reporting on my credit file. I disputed the information due to inaccurate verification on their behalf. I was told that they verified my information with XXXX and with the US XXXX  and I would have to contact them. I went through the proper steps and contacted both XXXX and the US bankruptcy XXXX that they said they contacted. I received letter back from XXXX saying they couldn't verify it so they deleted it off of my report and the US Bankrupty XXXX that they listed stated they do not work with the credit agencies nor do they report to them. With that being said Equifax couldn't 've possibly verified this information therefore it is unverified information and it needs to be removed off of my credit file.

Company response to consumer: Closed with explanation