BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX XXXX XXXX {$160.00} XXXX  XXXX {$53.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: AES/PHEAA
State: WI
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:
For the second time in the past XXXX months, American Education Services XXXX AES ) has sent my student loan to a collection agency, XXXX XXXX. In XXXX instances, I have received the collections notice and my current AES statement showing a current balance within the same week. The loan AES is currently servicing was originated and previously serviced by XXXX. Under XXXX, I always had a monthly auto-payment to issue payment at the end of every month. When AES took over the loan, I updated my auto-payment and continued issuing monthly payments as I have been for years. Since AES has taken the loan over from XXXX of 2015, my account has been sent to XXXX XXXX for collections twice. This is extremely frustrating because I need to write disputes every time this occurs to ensure I contest the debt to prevent any negative impact to my credit score. Given the fact the collection letter and my account statement ( showing my balance is current ) come the same week, it appears as though AES is preying on its customers. If customers do n't react, they could have very damaging and unwarranted impact to the customer 's credit. I have been making my monthly auto-payments for over four years, and it 's only been issue since AES took over the loan. Something needs to be done about this because this is downright harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-15
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:
while checking my most recent credit report i found items and inquiries and collections that do not belong to me please validate and remove from my 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 non-monetary relief
Consumer complaint received 2019-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
while checking my most recent credit report i found items and inquiries and collections that do not belong to me please validate and remove from my 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 2022-05-16
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CAINE & WEINER COMPA ( Original Creditor : XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and XXXX Now that I contact this company about this alleged debt there is no response?? 


furthermore CAINE & WEINER COMPA ( Original Creditor : XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was looking over my report and I discovered some addresses that are not accurate.Please remove the following addresses : XXXX  XXXX XXXX  XXXX, XXXX   XXXX, TX XXXX XXXX XXXX XXXX , XXXX, TX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, TX XXXX I have noticed a few numbers on my credit file that are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX   XXXX/XXXX  # XXXX XXXX  XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX** XXXX XXXX  XXXX/XXXX XXXX # XXXX**** XXXX XXXX # XXXX**** XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX****

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Experian Information Solutions Inc.
State: CA
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 have an account with XXXX XXXX  via XXXX and it has been set up on auto pay since I opened it. I was unable to upload the supporting documents when filing a dispute with expierian. I obtained the documents from my user portal on XXXX XXXX website that shows the last payment recieved on XX/XX/XXXX. And next payment due XX/XX/XXXX. Experience closed the dispute within hours of me filing with no change to my report likely because their website would not allow me to attach the documents.

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 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do 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 explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: NC
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 recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX {$2000.00} XXXX {$7600.00} XXXX {$700.00} XXXX {$24.00}

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 2016-02-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 
This item " Payment Status Late 30 Days '' reported by " XXXX XXXX XXXX XXXX XXXX '' is inaccurate because the due date for the {$68.00} past due was XXXX XXXX XXXX as you can see on my statement attached below. Payment was made on XXXX XXXX, XXXX as you can see on my statement attached below. The number of days between XXXX XXXX and XXXX XXXX ( 15 days ) is not 30 as inaccurately stated and reported by XXXX XXXX XXXX XXXX XXXX. 
The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the item be removed. 
Enclosed are copies of, statements and credit reporting details supporting my position. Please investigate this matter and delete the disputed item as soon as possible.

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 2016-01-26
Company: Clarity Services
State: LA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have credit monitoring services through my bank and through OPM because I work for the federal government and alot of our information was compromised. I got an alert from both my bank and the credit services provided through OPM stating that Clarity Services , Inc. checked my credit report for some reason that is still unknown to me because I have not recently applied for any loans or credit cards. I contacted their XXXX number and they tell you to leave a message and they will get back to you, so then I sent an email regarding why are they making unauthorized checks on my credit report. I recieved an email back from a XXXX XXXX telling me to send them a copy of my govenment ID along with other paperwork so that they can investigate what is going on and why they are reviewing my credit report. I replied to the email and stated to him why in the world would I send you my infomation and I am trying to figure out why you are looking into my credit and it was unauthorized in the first place. He stated he understood but is still asking for my information. I have yet to reply to the last email sent by XXXX XXXX and I just do n't feel comfortable with the whole situation. Again like I have said it is unauthorized and I want it removed from my credit report and I would like for them to be investigated for unauthorized use to run my credit report. I have researched this company and many complaints have been made through the XXXX for the same activity that is happening to me at this current time. Please assist me in this matter because I am afraid that someone might be trying to steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I contacted Transunion regarding my address and they 've mentioned removing XXXX of the addresses listed. Every credit report I receive item has not been moved. I did not live at the address they are stating.

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 2016-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX whom it may concern, I regularly monitor my credit reports, and believe that my inquiries on TransUnion 's report had been removed. These inquiries soon reappeared. After researching online, I found that a recent TransUnion glitch had affected my report. I was not notified of this glitch or that my inquiries were to be put back. I have called TransUnion but could not reach a resolution. Under the FCRA 611 in part 5 ( B ), previously deleted material can not be reinserted without authorization from the consumer or a written notice within 5 days. Since neither of these occurred, I request that the following inquiries be deleted from my report : 1. XXXX/XXXX/16 - XXXX Card 2. XXXX/XXXX/16 - XXXX Card XXXX. XXXX/XXXX/16 - XXXX Card XXXX. XXXX/XXXX/16 - XXXX Card XXXX. XXXX/XXXX/16 - XXXX Card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EQUIFAX, INC.
State: AR
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 trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX {$87.00} XXXX  XXXX {$630.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX  XXXX {$91.00} XXXX {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Nationwide Recovery Systems, Ltd
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I informed them that I was on XXXX and they took care of everything. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a collections on my credit with XXXX XXXX XXXX. We tried to pay it, but they sent us to collections because they said I could not pay with them. Yes we were way behind, hard times at that time, it was either food on the table or car insurance. So I contacted the collection company and they told us that if we paid the debit it would be removed off credit. We settled and it is still on our credit. Its says paid, however it 's still there and they told us if we paid it would be removed! Here we are trying to clean up credit and pay everything off, yet its still on credit! What was the point! 

Can you please contact Credit collections/XXXX and have them take this off all credit reports! We paid it! 

Thank you!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have used this account for years only time late is with no notice they changed my billing due date. They claim in their letter they closed the account based on my credit reporting. I have to request all three credit reports and review for accuracy and make my disputes. Not giving a consumer the right to dispute items on a credit report and assume the report is correct which is my credit report not theirs. To just close an account when a customer was a good paying customer is not fair.

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 2016-04-15
Company: DISCOVER BANK
State: NY
Product: Credit card
Issue: Rewards

Complaint:
Discover ran a promotion for XXXX the miles on the Discover IT Miles credit card for purchases made using apple pay through XXXX XXXX, 2015 on up to {$10000.00} in purchases for a total maximum of XXXX miles. I spent more than {$10000.00} during the promotion but did not receive a significant portion of the miles. I contacted Discover and they are requesting that I submit receipts to verify that my purchases were eligible. I have never heard of a company forcing a customer to produce receipts for purchases. None of my transactions were cash advances, they were all purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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:
Kohls/CapitalOne is reporting a XX/XX/2020 late on my credit file. This late is reporting in error. Due to Covid-19 I applied for the hardship program, and was never late. I've had an account or a really long time and have never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: EQUIFAX, INC.
State: CT
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:
The following two collection companies are reflected on my credit report. I have never had an account with either company and these are reporting in error as I have requested the signed agreement in which I made with both companies at which they stated they didn't have one. I notified Equifax, XXXX and XXXX so as to have this erroneous information removed to no avail. The two companies being reported on my credit report in error are below : 1. XXXX XXXX XXXX : XXXX XXXX XXXXr XXXX, XXXX XXXX XXXX XXXX XXXX Texas 2. XXXX XXXX ACCT : XXXX XXXX XXXX XXXX XXXX, MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: Experian Information Solutions Inc.
State: CT
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:
The following two collection companies are reflected on my credit report. I have never had an account with either company and these are reporting in error as I have requested the signed agreement in which I made with both companies at which they stated they didn't have one. I notified XXXX, Experian and XXXX so as to have this erroneous information removed to no avail. The two companies being reported on my credit report in error are below : 1. XXXX XXXX XXXX : XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX Texas 2. XXXX XXXX ACCT : XXXX XXXX XXXX XXXX XXXX, MA 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 2020-06-12
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX and again on XX/XX/XXXX all 3 Credit Agencies are refusing to provide me a paper copy of my credit report. All 3 agencies have been notified by me personally that I want my free credit report so I can have false information permanently removed. 
Credit attorneys in XXXX and the entire state of Indiana have refused to assist me even after I have filed complaints with the State Attorney General and the XXXX  XXXX XXXX. I am being forced as a single dad of a special needs son to suffer and try and hire an attorney from Florida because no one in this country does their job properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
According to my last statement dated XX/XX/XXXX 2019 my total year to day overdraft fees are {$1000.00} plus one {$35.00} NSF fee. This is extremely excessive. My account is currently overdrawan {$400.00}

Company response to consumer: Closed with explanation