BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: DE
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:
In 2018 a collection agency appeared on my credit report as XXXX XXXX XXXX who reported a debt as XXXX. At that time I contacted the company via certified mail requesting validation of debt because this debt does not belong to my person. They failed to do so and ultimately removed the collection account from all main bureaus which included Experian, XXXX and XXXX. Unbeknownst to me this was still listed under Rent bureau because they proper procedures were not followed on XXXX XXXX behalf to communicate this account was removed. I am uploading the cfpb complaint where XXXX XXXX  XXXX requested for this account to be removed from my credit report. This account does not belong to my person and even list an invalid name. In order to retain a lease with any agency valid identification must be provided or at least I would think so. Whoever opened this account did not even have my correct name. This account is a violation of my rights as a consumer because this account is fraud and does not belong to 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 non-monetary relief
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the fair credit reporting act XXXX XXXX Account # XXXX XXXX  XXXX account # XXXX XXXX account # XXXX XXXX Account # XXXX 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

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 2022-07-13
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:
I sent a letter on XX/XX/XXXX to remove the listed items below that are 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 items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00}

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 2021-03-24
Company: Paypal Holdings, Inc
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This complaint is about the XXXX loan, second draw. I have had an application in with them since XX/XX/2021. I am a sole proprietorship with 5 other W-2 employees. The loan is to be under my SS #, payroll has an EIN #. My first draw was issued with my SS #, as it should be. 

I have submitted a complete application, and all necessary documents. I was sent docusign loan documents to complete onXX/XX/21. Once I completed them, I hadn't heard anything back. I called many times and they repeatedly told me everything is fine, that the loan is processing. About 10 calls in, a rep told me there was an error code from the XXXX and asked me to verify the number of employees I have. I told him 5. Then I started getting phone calls asking me to verify the number of employees I have, and I repeatedly told them 5. One rep told me I needed to change the number to one or change my entity, which sounds like fraud. I said nope, I have 5 and am a sole proprietorship. All perfectly legal and correct. Several more phone calls and emails checking the status of my application, to no avail. I called on XX/XX/2021 and spoke with someone and asked them to escalate my application as it had been in since XX/XX/XXXX. He told me the caseworker would get moving on it and I would hear back within 72 hours. Never heard from them. A week later, I sent emails requesting the status of my application. Never heard from them. Two days ago, sent a message via their online portal. Never heard from them. I'm so frustrated. Thank goodness the XXXX extended the XXXX deadline. This feels criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need this account deleted or updated. 
This is the item I demanding to be deleted immediately : Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record

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 2021-10-03
Company: EQUIFAX, INC.
State: TX
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:
Equifax has violated my consumer rights. They will not remove or fix a XXXX XXXX XXXX account from my consumer file that shows a wrong date of last activity. They are infringing on my consumer right to privacy, I did not give them permission to publish this on my consumer report, they do not reinvestigate my consumer report to make sure the information is correct like congress said they had to and they are being unwillful in complying.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: American Credit Financial
State: SC
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Americancreditfinance XXXX calling threatening to deliver papers to job after already over paid the installment loan. They are saying I owe another payment. Will not allow me to speak to Supervisor. The guy who threaten me keeps answering every extension saying supervisor not available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Commonwealth Financial System is attempting to collect a debt from 2014 for a medical bill in which I was on XXXX that covered everything. The collection agency comes years down the line, without proper notice, and places on my credit report. 

Because they apparently could not have billed the insurance company timely it is not my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: AmeriCollect
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A debt validation letter sent certified XXXX/XXXX/16 signed for on XXXX/XXXX/16. Americollect sent return ltr on XXXX/XXXX/16 of a name acct # and a balance # and a statement that does not match alleged creditor name or any doc bearing my signature. Americollect did not mark any credit reports disputed within 30 days of signed receipt of my dispute. I sent a XXXX registered ltr to Americollect on XXXX/XXXX/16 and they signed on XXXX/XXXX/16. They responded with a letter stating they, verified, and validated my dispute and my letter now is deemed frivolous or irrelevant and will not be looked into. After 60 days Americollect have not marked disputed on my credit reports no anything with my signature validating that this belongs to me. I have copies of my credit report on both XXXX/XXXX/16 and XXXX/XXXX/16 showing not disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: CA
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:
Fraudulent inquiries and inaccurate account information

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 2016-01-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The XXXX mistakenly filed a tax lien against me. I contacted them and they sent me a letter to mail to XXXX, Equifax and XXXX telling the credit bureaus to delete any reference to the tax lien. I sent them the letters explaining that the lien was placed in error. 
Equifax refuses to remove the lien entry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I 've been repaying my private student loans regularly since graduating about 10 years ago -- first to XXXX, now to Discover. I 've been signed up for auto-debit for a much of that time. This May, my auto-debit payments stopped. I noticed this last month XXXX XXXX XXXX and called Discover. Turns out my account was placed into forbearance, which I did not request. The stated reason for the forbearance was a " headquarter account clean up. '' During the forbearance period, my balance increased ( interest accrued ) and at a higher rate ( 3.25 %, up from 2.75 %, which reflects the auto-debit discount ). The customer service rep was very nice, but could n't tell me anything more about my account was in forbearance. He promised to restore the difference between the interest rates, but could not say when ( the administrative forbearance period is undetermined ). Meantime, Discover is charging me interest on a higher balance than they should be, and at a higher rate -- all because it stopped accepting my auto-debits. Could this be a scam? Seems that administrative forbearance is a profit-maker for Discover ( higher rate of interest on a higher balance ). Would appreciate it if you could look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: Experian Information Solutions 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:
I 've repeatedly requested that Experian and   XXXX   correct my credit report related to the  XXXX   XXXX  Account. This account was paid-off as agreed on  XXXX   XXXX ,  XXXX  ( see attached documents ). However, Experian still reflects and inaccurate collection status in  XXXX  of  XXXX , inac  curate written off $ amount/status, and an inaccurate " Date Opened ''.   XXXX   still reflects an inaccurate Charge Off amount, inaccurate Date Closed, and Terms. Regardless of the evidence I present, the account has been reporting now inaccurately for almost two years.
As a result of the above, this account continues to damage my credit score with inaccurate reporting by Experian and   XXXX   and preventing me from securing a refinance on my mortgage.
I respectfully request that this account be DELETED immediately per the Fair Credit Act.
Thank for your assistance in this matter.

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 2016-02-04
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I did provide details on which transaction. They are just making up excuses again. 
I am waiting for the corrections. 

I am still waiting for Equifax to provide the data I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX XXXX, I attempted to use my Capital One Card to purchase an XXXX Computer for approximately {$3000.00}. it was immediately rejected, and immediately I had a text message and email asking me to call immediately. When I called I gave them sufficient information that they knew I was the card holder and I explained what I was doing and that I was at the XXXX  Store. I was told there had been suspicious activity on my account and the account was frozen. I could unfreeze the account if I sent them documentation to a secure portal they would send me in an email. The documents they wanted included both sides of my drivers license, both sides of my social security card, and a full copy of a utility bill. These 3 documents together amount to PERSONAL IDENTIFIABLE INFORMATION which is all that would be needed to steal my identity. I reached out to the number on the back of my card ( XXXX ) a total of 4 times. Each time hoping I would find someone that would help me. Everyone stated this was the safest way to protect both customers and the company. Yet, in XX/XX/2019 approx. 140,000 social security numbers were compromised when they had a breach. When they refused, I asked if they would cash in my rewards miles ( currently valued at approx. {$550.00} ) and send it to the name and address on the card. They refused, and said as long as the account was frozen they couldnt do that. I finally found the name and email and phone number of the President of Capital One, and reached out to him twice through email ( XXXX ; ph. XXXX ) Still no response. I posted my issue on XXXX, only to find that another person had a similar situation and is out over {$4000.00} so far. ( You may be hearing from that person, since my Attorney Generals office suggested contacting you ( & I promised that person I would share helpful information if I got any ). At this point, if you can at least help me get Capital One to release my rewards miles, which I have earned, I will be done with Capital One forever. But I cant imagine that what they are doing is okay. I did learn from one of the persons on the 4th phone call I made to Capital One that what caused them to freeze the account was the purchase I was making at the XXXX  Store. It was approximately {$3000.00}. Yet, I had made a purchase a few months earlier for approx. {$2800.00} and that didnt trigger anything. I have an EXCELLENT CREDIT RATING and I will not put myself in a situation of handing off sufficient information that someone could easily steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I do not owe Rent Solutions or XXXX XXXX Apartments. I have abided by all contractual obligations and have paid my rent in full covering the entire time I resided at the apartment complex. While living at XXXX XXXX, there were XXXX instances which complex did not provide safe environment : there was damage to my property and my life was in danger by theft and possible fire as a direct negligence of the management. I will retain the right to pursue legal action for compensation if this is not immediately removed from my credit reports. As the result of their unlawful claim which has been reported in my credit history, I have been denied an application to rent in California.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
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:
On XXXX I noticed I had a few negative accounts reporting to my consumer credit report that I did not recognize so I called XXXX, Experian, and XXXX to have them removed. They all informed me that I needed to file a FTC report and mail it to them. I decided I should send dispute letters instead to validate the debt in hopes it would be deleted with no issues. Unfortunately that was harder than expected, all 3 credit reporting agencies did not remove these items from my validation letter efforts. Discouraged I called all 3 agencies again to see what I could do, thy instructed me to again file FTC ID Theft reports. So between XXXX I filed FTC ID Theft reports for the accounts I did not recognize ; FTC Report Number XXXX XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX. I called all Credit Reporting Agencies again after filing and they instructed me to mail the report to them, I emphasized that I did not feel comfortable mailing sensitive information especially with my information already being compromised yet they said nothing could be done over the phone.

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 2021-08-26
Company: EQUIFAX, 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:
I have never had an auto loan with XXXX. I have submitted all the necessary information so this could be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon reviewing my credit report I noticed accounts from PHOENIX FINANCIAL SERVICES placed. I have never received any information written nor call about this alleged debt. I mailed validation letters twice via certified mail on XXXX XXXX 2017 and then again XXXX XXXX 2017. I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my  privacy and medical records from third parties. I did NOT give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, I asked them to allow me to validate this alleged debt and to send me detailed breakdown of fees and any collection costs and medical charges. I asked a for a copy of my signature with the provider of service to release my medicalinformation to PHOENIX FINANCIAL. I requested FULL documentation of what was received from  the provider of service. Lastly. I asked that they cease any credit bureau reporting until the debt has been validated by me. I also stated that if they can NOT provide ALL of this information they MUST remove this collection from my social and from all XXXX major credit bureaus such as XXXX, XXXX and XXXX. XXXX has NOT complied with my requests. Reporting and therefore continuing to report this invalid information to the credit bureaus and not allowing me to validate is a violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: The Bureaus, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 and XX/XX/2022 I wrote to The Bureaus, Inc requesting that they validate an alleged debt they claimed is owed to them by me. In my letter I requested that they provide specific documentation of validation as pursuant 15 USC 1692g ( b ). However, they failed to address my very specific legal requests, and have continued to unlawfully report this purported debt in violation of my right to privacy and the cease and desist requests, submitted in my previous communications, as defined under the FDCPA. The instruments they provided did not validate their proof of claim as it did not include evidence of any legal instruments bearing my my signature or their lawful right to collect on this alleged debt ; nor did it contain the accounting ledger in accordance with 15 USC 44 that illustrates the amount they purchased this alleged debt for and the correct amount allegedly due. Under the FDCPA it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. Their negligence and unlawful reporting of this alleged debt is causing me unwarranted stress and frustration, damaging my reputation and credit worthiness, and affecting my mode of living.

Company response to consumer: Closed with explanation