BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I paid my bill in full for {$240.00} to XXXX XXXX XXXX/XXXX/XXXX. In XXXX XXXX and XXXX XXXX I was informed by XXXX XXXX Collections that the bill was not paid. I called the original creditor and XXXX XXXX XXXX alerting both to the fact that this bill was paid in full and should not be in collections. XXXX XXXX concurred that the bill was paid in full and that they would contact the collection agency and make a correction as my account was closed and no outstanding debt remained. In the interim my credit watch services continued to in form me of no change in my delinquent status. I was put in contact with Experian and disputed the false information. I informed Experian that I had a copy of the original bill and proof of payment via credit card on XXXX/XXXX/XXXX. I requested to send the latter proof to Experian but they advised me that the dispute was with XXXX XXXX who they would contact and sending this information would not be essential or helpful ( in retrospect very poor advice ). I received via mail from Experian a summary of their so called investigation which just stated that this is my debt and the outstanding amount would be on my file until XXXX. I have subsequently called with Gold Coast Collections again and told that they were not aware of a dispute and they would initiate an investigation XXXX/XXXX/XXXX ; I must add they were very rude condescending and made intimations suggesting that I must be lying and their information was always correct. On XXXX/XXXX/XXXX I also contacted XXXX billing via phone they confirmed that their was no outstanding bill ( again!!! ) and according to their records my previous calls were documented as " hang up calls '', hence the error was not previously corrected with the collection agency although I owed them nothing. I again requested that the correction be made immediately and was reassured that this would be done. 
Needless to say I received no further information from Experian, XXXX XXXX or XXXX XXXX Collections. My credit score has plummetted from XXXX to XXXX do to the lack of action of all XXXX who have all the power to wreck my credit by false reporting and failure to correct the obvious errors. I need my credit restored to its original near perfect status but the consumer is held hostage in my case and I am sure this represents false reporting and unfair trade practices. I am not able to afford a lawyer at this time to insist on these corrections but may not be able to do without one. This should not be allowed to happen and both the origin creditor and collection agency are liable and should be subject to serious fines and monitoring for unfair and malicious practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-12
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am attaching a copy of my Driver 's License. and Social Security Card to prove my identity. Apparently, my file has merged with another person ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX just to name a few ). At this juncture, I have been unable to upload these documents and have even sent in my documents on multiple occasions via US mail to support my claims to no avail. It is my intent to dispute these trade lines and other information, hopefully more successfully via this venue. I 'm not sure why this has to be so difficult when a person can prove their name and 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 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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

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 2016-03-15
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I worked full time for a qualifying public service organization from XX/XX/XXXX- XX/XX/XXXX. Fedloans Servicing refuses to honor payments made during this time for Public Service Forgiveness because I consolidated a XX/XX/XXXX XXXX along my previous consolidation done previously when XXXX serviced my loans. XXXX did not tell me that this would put my future with XXXX XXXX XXXX XXXX in jeopardy. I realize that this is not your problem, but this is what happened to me. Now, I am being made to pay for a mistake made by XXXX. They even denied counting my time to the Ombudsman. 
Representatives from FedLoan Servicing told me is that a new consolidation was created when I consolidated my new loan taken in XX/XX/XXXX with my existing consolidated loans ( XXXX was servicing the loans at the time ). As a result, they will not count any of my payments time that I worked for a public service organization from XXXX ( my loans were consolidated at that time ). I let them know that I was not told by XXXX that this would jeopardize my public service loan forgiveness. I remember telling the XXXX customer service representative that I needed to consolidate my XX/XX/XXXX loan with my existing consolidation so that I could get credit for my time worked for a XXXX from XXXX. So, I proceeded with the consolidation paperwork not realizing that I would be in this situation. I am not trying to get out of paying. I just would like the time to count as I am working for a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
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: Information belongs to someone else

Complaint:
I was made aware of some accounts reporting on my credit that does not belong to me. The reason I found out is that I was trying to buy a new car and when they ran my credit to see if I qualified for the loan, I was told that I did not get approved due to these accounts. None of those accounts are mine nor did I ever allow anyone to open them in my name. I don't know who could have stolen my personal information to open these accounts but I have already filed a police report regarding these unauthorized accounts. I did not benefit anything at all from these accounts nor did I make any transactions or purchases with any of these 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 2021-12-15
Company: Associated Credit Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/2021 I received a letter from ASSOCIATED CREDIT SERVICES , INC sent me a letter via mail stating I owed a debt and that legal action can be taken and any information will be used against me to collect such debt. The letter has my personal information all over it. After I received the letter I started receiving calls from the company mentioned above stating I owed a debt and any information would be used against me to collect the debt. When I answered the phone the lady did not follow the Fair Debt Collection Practices Act and Congress has declared abusive practices are abundant and that is why they enacted the FDCPA due to inadequate existing laws.By definition under the FDCPA the above mentioned company is a Debt collector they said so themselves on the phone and in their letter. They violated 1692b by asking if I was who I am but did not state it was to correct or confirm location information. They stated I owed such debt. They contacted me without my permission. They used language and symbols that relate to an collection of debt.Under 1692c they violated that section by communicating with me without my permission and an unusual time and place. They communicated with Third parties without my consent given directly to them.They violated 1692d using harassment or abusive words and tactics. They caused my phone to ring repeatedly. They also used obscene and profane language on the phone and in the letter to abuse the hearer or reader. This company mentioned previously above violated 1692e using false or misleading representations. This company violated 1692f with Unfair practices. I stated for them to validate the debt pursuant to title 15 U.S. Code 1692g and they did not send anything. There for this company is liable to me pursuant to Title 15 U.S. Code 1692k in the amount of {$14000.00} and any damages a court may award. I demand this company compensate me for causing such XXXX XXXX XXXX to my XXXX XXXX  and due to the abundance of evidence they violated the Fair Debt Collection Practices Act the supporting documents shall be uploaded. Affidavit will be sent to company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Direct Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have been contacted several times by an automated call asked for someone who does not live with me and whom I do not know. Most calls went to my answering machine, but when I was at home I answered, waited on hold for a representative and explained that I did n't know who this person was that they were looking for and to please stop calling my house. I was assured several times that I would n't receive anymore calls, but they keep coming. Yesterday a message was on the machine from XXXX, who in a very threatening voice said that his company had spent enough time and ( money or energy? ) and that it was time to take care of it. I again called back this morning to tell XXXX he has the wrong number, instead I get another lady that said that she would remove my phone number. When I asked for a manager, she said she was a manager. When I asked for the business license number she refused to give it to me - she said that she had already given me the name of the company " Direct Recovery '' and that she did n't need to give me any more information. They are the ones who wo n't stop calling me and now it has escalated from automated calls to a person making threatening calls. Do I need to be worried that they can find my address too???

Company response to consumer: Closed
Consumer complaint received 2020-06-17
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020, XX/XX/2020 and XX/XX/2020 inquires were made on my credit by companies that I do not recognize.

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 2022-07-22
Company: STERLING JEWELERS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : KAY JEWELERS Account XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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:
In accordance with the Fair Credit Reporting ac US DEPT ED # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX 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

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 2015-07-30
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have reached out to AES for help with repayment on my loans and they have told me that there is nothing they can do. I had a baby in XXXX and was unemployed for a few months. I had no way to pay the loan and called numerous time to try and work something out until I was able to make payments again.Now some of my loans are in default and I have no idea what to do. It is affecting my credit and my parents as well since they were cosigners.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Amazon.com was offering a promotion for a free XXXX dollar gift card when signing up. I signed up for the card not planning to ever use the card and was greeted by a nasty credit score defect which was corrected by me and charges were successfully disputed. After this was completed the customer service rep said I would be all set and the account would be closed. Assuming this was the end of my relationship with this company and not having received any billing statements ( which is acknowledged at Chase as it is not my legal address or an address I recieved mail. This was corrected in their system on XXXX/XXXX/16 to my legal address at the time and during the dispute which I offered to send proof of residence. Chase is saying there are charges that are not paid on the account which Im willing to pay for however being unaware of these charges even exisiting and thinking this has been dealt with by Chase like was said on the phone I did not know there was a balance. I make more than enough money to pay the charges at the time and now however this is negatively effecting my credit score because they wont acknowledge this is their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: MARINER FINANCE, LLC
State: MO
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:
XXXX is reporting an old account on my report, via Personal Finance, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand Personal Finance provide evidence that I have not settled this account or that I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both Personal Finance and XXXX. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe Personal Finance a dime, and they know it, and XXXX  should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have started receiving phone calls from Convergent Healthcare Recoveries. They are trying to collect on a false debt. First of all they call and ask for XXXX XXXX. I have not used the last name XXXX for well over 10 years. That was my ex married name. They say that I owe a medical bill for 2013 while I have been in XXXX, Tn. During the time that they say I owe this bill I was working for XXXX. I had XXXX XXXX XXXX XXXX insurance with a group plan that covered me 100 %. I have researched this company online and there are numerous complaints against them for false collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2020 a credit inquire showed up on Experian. The company that pulled the credit was US SM Bus Admin Oda ( US Small Business Administration ). I do not own a business, nor have I applied for a loan from this agency. I feel that some type of identity fraud may be happening and my credit score dropped due to the Hard inquire. I would like the inquire removed and my score fixed.

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 2016-11-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed a couple of accounts that showed as delinquent on my credit report since I could n't find any record of those accounts in my files. I asked them to provide physical proof of verification of the account or remove them from my credit report. Their response was that the account had been verified but did not provide either the name of the employee who verified the account or physical proof of the verification of the account. Do n't they have to verify the accuracy of the data reported not just report whatever is sent to them?

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 2017-02-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
I had furniture store card in 2016. I made my payments every month in 2016 by check. They convert the check into electronic debit. My checking account was debited for each electronic check to card company. 

The card company charged my checking for a second payment every month in 2016. I did not notice the duplicate debits on my account. I thought they were the same single payment. Also, my store credit card statement only showed one payment. When I made the payoff payment in XXXX, I noticed another payment to them came afterwards for a different amount. This is how I learned that they have been charging my checking account for two payments every month and applying a single credit to my credit account. My bank was able to charge back the last two incorrect charges for XXXX and XXXX 2016. They also gave me proof that the second payments per month were ACH for the benefit of a different person. I 've tried twice by phone and twice by sending the credit company documentation, their statements, my banking statements and ACH debits with other persons name as proof. Their reply in all cases is my account was paid in full XXXX 2016. It does not address the issue of taking extra payments every month. They have debited 10 transactions totaling {$2000.00} from my checking account.

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