BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-09-20
Company: EQUIFAX, 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:
I am a true, and live human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. and they violated my rightsnumerous of times. I demand the accounts listed below be removed because, According to 15 USC 1681. I have the right to privacy and i did not give Equifax written consent or permission to furnish these accounts. 

XXXX XXXX XXXX, XXXX account number- # # # # # # XXXX XXXX XXXX account number- # # # # # # XXXX XXXX XXXX  account number- # # # # # # XXXX XXXX XXXX XXXX account number - xxxxxxxxxxxx XXXX XXXX XXXX XXXX account number - xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX  account number - xxxxxxxxxxxx XXXXXXXX XXXX XXXX account number - xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX account number - xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Bread Financial Holdings, Inc.
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I made a payment to my XXXX Credit Card managed by Comenity Bank. I paid the account balance in full on XX/XX/22 for {$760.00} in advance of my due date. I was later billed interest and fees that I was not anticipating. Since I had paid my balance in full I was not expecting additional statements and I did not see any statements come through with a balance due until I received a late notice in XXXX. When I received the late notice, I paid a balance of {$28.00} which solely consisted of bank fees and interest billed after I had paid my account off. This resulted in negative reporting to the credit bureaus and dropped my score over XXXX points over {$28.00}! This is the only derogatory remark on my credit report and should be removed as I paid my balance in full and the late reporting only consisted of miniscule banking fees!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XXXX XX/XX/XXXX- Experian issued a response to my dispute In Re : Report number XXXX. In review of Experian 's findings it states that it has " validated '' all accounts in dispute with the credit furnishers with respect to the " XXXX  XXXX Bankruptcy '' account status showing on the disputed items as well as on several other accounts on my credit report. 

Starting in XXXX of XXXX, I disputed my credit file with Experian, and provided them with a XXXX XXXX XXXXXXXX XXXX letter. of incarceration, demonstrating that the time in which all the accounts alledged to have been included in the XXXX XXXX Bankruptcy was impossible due to me being incarcerated. 

Additionally, a letter was provided to Experian demonstrating that the US Bankruptcy Court in my District has NO record of a Bankruptcy Filing with my information on it. This information was provided to Experian, in which they removed the " Bankruptcy '' from their report, however are still allowing over 30 items to show a status referencing a " Bankruptcy '' on closed accounts. 

Under the Fair Credit Reporting Act - Experian is violating its own policies and FCRA as it does not " Show a XXXX  XXXX '' bankruptcy ( see report dated XXXX XX/XX/XXXX ) but is allowing furnishers to report the XXXX  XXXX Bankruptcy, additionally, Experian is causing Harm to me as it shows in its Comments " Serious Deragotry " and XXXX XXXX Bankruptcy, however when you scroll to the Public Information " Section '' of the report there is No report of a Bankruptcy. I have provided Experian with the opportunity to correct this issue over the last 6 months and its has failed to do so. 

Experian can not Validate the information - and removed it from its reporting, but is still allowing XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TO report a Bankruptcy Filing in the comments section of each of the reported items. When in fact NO BANKRUPTCY belonging to me exists.

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 2022-06-25
Company: Experian Information Solutions Inc.
State: CA
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  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 explanation
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, has violated my + rights. 
15 U.S.C 1681 section 602 A. States I have the 55 right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not * Green Streencount without my written instructior- Q 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no furnish an account without my written instructions 15 U.S.C 1681c. ( a5 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 c crimes which antedates the report by more than-s seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to * IGrean Screen reporting agency if the person knows or has reasonable cause to believe that O 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 explanation
Consumer complaint received 2022-06-25
Company: DISCOVER BANK
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
after opening a checking account with " Discover Bank '' on XX/XX/2022, they froze my account on XX/XX/XXXX, XXXX took me 7 days to get my account unfrozen. ( they could have asked photo ID at the opening of the account ) I had a few scheduled payments during that time they all got returned and other companies charged extra service fees. I asked discover to cover those service fees, but they declined. so I decided to close my account with them, and they told me it will take 60-90 days to get my money back. This is beyond acceptable please help me get my back soon. if you look at XXXX and XXXX  reviews you will know this is not a unique case they have been doing this to everyone, please stop this predatory behavior from big companies like discover. I want to tell everyone that do not bank with discover. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Frost-Arnett Company
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/22 I filed a complaint against Frost Arnett, complaint ID # XXXX. 
Frost Arnett replied, stating they would submit an itemized bill and remove the collection from my credit reports. 

I just received the itemized bill this past Saturday, XX/XX/22 ( although the letter and bill are dated XX/XX/22 and XX/XX/22 ). Please see attached. I thought I had 60 days to reply and was waiting on the requested documentation to appropriately reply, but the case was closed without being successfully resolved. 

You will find the attached itemized bill reflects {$580.00} owed, {$110.00} in payments made, {$460.00} in adjustments, and a {$0.00} balance. 

I called Frost Arnett today, XX/XX/22, at XXXXXXXX XXXX. and spoke to XXXX, asking her to review the bill and {$0.00} balance. She told me she could not see the bill and that another department could assist, but never transferred me to someone who could assist, and ended the call by telling me to call XXXX XXXX. Did Frost Arnett not save the medical bill in my Frost Arnett file for follow-up?

So, here I am again with Frost Arnett refusing to work with me and now having a {$0.00} balance. From very many online reviews there appears to be a pattern of miscommunication and a consistent lack of professional courtesy from Frost Arnett for those consumers who are attempting to work with Frost Arnett 's debt collection practices. Due to this as well as the multiple comments from consumers regarding debt collection being executed against them by Frost Arnett for medical bills that they did not owe, I am apprehensive to pay this bill without proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Ive had FFELP loans serviced by American education services ( AES ) since a few years. I also have other student loans which are direct loans with the department of education. When the cares act was announced back in 2020, I reached out to AES and they told me that my loans with them were not eligible for the benefits under the cares act. This information was accurate at the time. However, there had been changes and announcements made by the Biden administration in months following, and AES failed to inform me of any updated information. Specifically, this new information included announcements such as FFELP loans becoming eligible to be consolidated into a direct loan so that the benefits of the cares act could apply to my FFELP loans. Since AES never communicated these updates to me, my loans with AES not only continued to accrue internet, but I also made loan payments when I was unemployed and could not afford to do so. Also, because my loans were not consolidated to direct loans, I could not receive any benefits that were available with the CARES Act ( pause on payments as well as no interest accrual ). Since last week, I have reached out to AES and received conflicting information. One agent tells me that my loans with AES are not eligible for loan forgiveness ( whether they are consolidated to direct loans or not ). Another agent gave me different and opposite information. They also tell me that the payments I made during and since the pandemic can not be refunded because that would make my account delinquent. Even though they failed to communicate any information regarding loan consolidation eligibility. I feel that I missed out on maximizing my benefits during the pandemic when I most needed help, because AES did not provide information and announcements which applied to my loans in a timely manner or at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-20
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. gravens ( mo ) 281, SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: IL
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 numerous 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 records 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 an alleged fraud or extortion. 
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 2023-10-16
Company: Experian Information Solutions Inc.
State: NC
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Spoke several times to agency at Capitol One Credit Card Services regarding the delinquency reported on XX/XX/2023. They claim they did not receive written information. I have sent that via mail as requested dated XX/XX/2023. The account was not delinquent for XX/XX/2023. A payment arrangement was in place ahead of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, 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 appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

I acknowledge your immediate attention to this matter and response within 4 business days. 

XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: CountryPlace Acceptance Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2020 I walked in to XXXX XXXX XXXX weeks XXXX and I dont even know what I paid for any of it and I just got over loaded with documents to sign and so confused by all the information I reviewed over the last 11 months trying to figure out what Country place did to me. I could be suffering terrible from XXXX XXXX since for the last two years it has been XXXX my family and I. XXXX XXXX XXXX County place failed to disclose all of this and a survey of its aerial view of the XXXX XXXXXXXX pond that is just raining down on my family and I. 

I cant just sell my house because That means someone else would suffer the same fate. I dont even know what the result of damages this stuff does to you. Weve been bleached, termite treated and XXXX ponded all over by Countryplace mortgage Man I wouldnt have bought this house if I would have known about the huge XXXX pond over spray were getting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX I received a credit alert about a collection account that I never received a call, letter in mail or email about this debt from 2017 until reported on credit report. This company is not compliant with the laws on contacting consumer of debt. The company failed to send a written debt validation notice including the amount of the debt, name of the creditor, and a notice of my/consumers right to dispute the debt within 30 days. 
I was told they didnt have to send letter. 
I have contacted the company with payment info and also made a complaint to them on their unfairness practice but I have not received any response

Company response to consumer: Closed with explanation