BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/2021, after I review my credit report I found multiple erroneous information on it, that did not belong to me. After reviewing with details I saw multiple addresses that were not mine, So, On XX/XX/2021, I submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, but after 7 months, I review my updated credit report and I noticed that, they changed the address but they did not remove the inaccurate addresses that it is reported under my XXXX and EQUIFAX report, so I am now taking extra step, because I really need these addresses off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
When I called to clear debt the company had XXXX information about the debt

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 2017-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My wife and I were victims of fraud committed by XXXX XXXX XXXX. I had approximately twenty accounts go into collections because of them. They charge us a fee and made a promise to help us with a debt consolidation. They did not do anything and because of that, I fell into a lot of bad debt. I tried fixing the accounts but they just wanted part or all of the money that was owed. It was too much and so I only fixed what I could and the rest went into collections. I have been paying collection agencies and making settlements but they have not updated the credit reports. I see a lot of negative remarks that are not suppose to be there. Before XXXX XXXX XXXX my accounts were in good standings and global client solutions ruined my credit. I need it fixed or eliminated. The accounts that I already paid should be erased, I did not recklessly do this, the company that I trusted to do a job ruined me and my wife. I need to know what to do or how you all can help me. Like I said, the accounts have payment arrangements but they are not getting updated in the three credit bureaus. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: SC
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 following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXXXXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States i have the rights 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 2022-04-21
Company: ERC
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:
I recently satisfied a balance on my credit report. I was under the impression that the item would be removed from my credit but it hasnt. Out of goodwill and faith, I kindly ask that this account be removed from my credit. 

In accordance with the Fair Credit Reporting Act, Enhanced Recovery Company acct # : 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Its an item on all Three credit bureaus for the amount of XXXX .i dont know who this company is. They never contacted me and I never received a response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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'm a victim of identity theft and as a result fraudulent inquiries and charges have been made on my credit card accout ( s ) and this has caused me to be misrepresented. My creditworthiness is displayed publicly to lenders causing a hardship. I'm also getting denied for future products.

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 2022-04-21
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX 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 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

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 2020-08-04
Company: Credit My Rent Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Paid for services with credit my rent on XX/XX/XXXX. After a few weeks of no update I sent an email and was got a respond and was they just received my file and she was working on it. In XXXX I asked for another update and was told they were behind due to COVID. So i sent several emails to cancel the service and requested a refund. Each week Im begin hung up on and told its being processed and still havent gotten it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-21
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made purchases, may was misdelivered. I contacted XXXX the sums was supposed to be refunded. For the last 2 year, I'm waiting for several returned, the largest purchase being aXXXX XXXX that was never refunded. Because of the items not refunded, late fee, and interest fee has accumulated

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 2022-04-21
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
On XX/XX/2021 XXXX XXXX XXXX XXXX maliciously placed a {$390.00} amount on my personal credit report with XXXX XXXX XXXX and Experian. They have NO supporting documents or any evidence of me owing the debt.

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 2016-02-03
Company: Maury Cobb, Attorney at Law, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive collection calls throughout the day to my work cell phone number from an automated system representing themselves as " MAURY COBB ATTORNEY AT LAW LLC '' attempting to collect a debt. The automated message states my full name on the recording which is a HIPAA violation. A call back number of XXXX is given however when I attempt to call back it states the person at ext XXXX is not available and to leave a message. This is a business number and I need this to stop immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed a complaint my # is XXXX I receive some documentation from my Mortgage Company That they must clear up. I am forwarding the document to you after I explain how fraudulent they are. 
This letter dated XXXX XXXX 2015 states they were contacted on XXXX XXXX 2015 for a payment {$850.00} to be made on XXXX XXXX this is FALSE TOTALLY FALSE. The mortgage payment will be paid on XXXX XXXX 2015 IN THE AMOUNT OF {$850.00} TWO DAYS AWAY. I WOULD NOT HAVE CALLED ON XXXX XXXX 2015 to make a payment that is going to be paid through my bank in two days on XXXX XXXX 2015 that is schedule procedure every month. 
On XXXX XXXX 2015 the payment was made through as schedule and arrive at America 's Servicing Company on XXXX XXXX 2015. 
On XXXX XXXX 2015 the Bank fraudulently create an electronic check to my bank for {$850.00}. I was now in the negative and was charged {$30.00}. 
On XXXX XXXX 2015 they again entered the same check and again I was still negative and another {$30.00} charge to my account. 
On XXXX XXXX the check was entered again and I was charge {$30.00}. 
This Electronic check should not have been done they were paid the Mortgage on XXXX XXXX as schedule for my payment each month through the bank. 
Copies of the documents will follow. 
I am so tired of been Harass and threaten by this bank. I purchase this house for my MY PRIMARY HOME DURING MY RETIRED YEARS AND MY MORTGAGE IS MY FIRST AND FOREMOST GOAL. 
I AM EXPERIENCING A FINANCIAL STRUGLE AND I ENTER COUNCELING I REQUEST A MODIFICATION OR REFINANCING AND HAVE BEEN TURNED DOWN ALWAYS. 
MY INTREST RATE IS 8 % AND THEY REFUSE TO LOWER SAME FOR ME. THEY ONLY HARASS YOU AND TREATHENED YOU.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: The CMI Group, Inc.
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:
Today XX/XX/2022 I received a notice from a company called Credit Management that I was in collections for a debt owed to a company called XXXX XXXX XXXX  based in XXXX, TX. I live in XXXX, TX and have absolutely no idea what this debt is about. I have never received notification prior regarding this debt or what, when or where services were rendered. I looked up the website for XXXX XXXXXXXX XXXX and numerous complaints exactly like mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12
Company: United Revenue Corporation
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i have no authorized information that I used or allowed anyone to use to open this account the paperwork that you have is erroneous and currently i have pursued having these accounts investigated. this company swears that they have my information verified with me which they do not as I have not had any direct contact with this company about my personal information and the company has stated that they now will not have any communication with me to fix this issue but continues to report this account the the credit bureaus???

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2022-04-21
Company: Nelnet, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
U S DEPT OF EDXXXX, XXXX XXXX {$1800.00}, and account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: DISCOVER BANK
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Basically I was given a private student loan from Discover of around {$37000.00} for about XXXX semesters ( XXXX summer plus a full year ) of film school with the XXXX XXXX XXXX University. When it came time to get another loan for my second full year of XXXX, Discover informed me that they were no longer doing business with my school and that they would not be able to give me another loan. Because of this, my Dad had to go into debt by getting a parent plus loan for my second year and after that I was unable to continue attending the school. I was able to earn an XXXX degree but not the full XXXX degree. Now I am barely able to find work and I have had to get in even more debt pursuing other degrees to keep from paying back unimaginable loan debt. I do n't mind paying back my federal loans, but my private loan has now soared to more than {$53000.00} ( For ONE year of XXXX ) with current payments of {$570.00} a month. I 'm not sure who ( other than myself ) is more responsible for my current debt, Discover or the XXXX XXXX XXXX University but either way I was duped ( at age XXXX ) into an enormous amount of debt that will be impossible for me to pay off. My biggest concern with Discover is that had my Dad not taken out that additional loan, I would not have been able to do even more than one year of XXXX and how would I be able to pay back anyone without the benefit of an actual degree? This does not seem right and I would simply like a review of both my loan and my former school to determine if any fraud was applied to my situation. Thank you for taking the time to assist me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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: Personal information incorrect

Complaint:
Incorrect first and last names and misspellings of my name and incorrect addresses and misspelling of correct address appear on my credit reports

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 2022-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2022, XXXX XXXX XXXX XXXX  debited {$91.00} from my Capital One checking account. I am paying the debt, but I am paying late. I used this account to pay my monthly payment last month, but it was a call-in payment, this is a new checking account that I have had for only a month maybe. This is not the account that I opened the loan with, and I did not tell them to keep my information on file nor did i sign anything stating to that fact! I called the XXXX location XXXX and spoke with the lady who opened my account and who took my payment last month, I informed her that she kept my Capital One card information on file and used it to make a payment fraudulently!! She stated that I told her when the account was opened that she could use that information and I called her a lie at that time because this account was opened XXXX mths ago I did not have the Capital One account at that time. I told her that I would be filing a report with the CFPB and informing my bank that the {$91.00} was debited from my account without my knowledge. I was told to call back XX/XX/2022, as I have to wait until the charge post. I will be calling my bank XXXX thing in the morning. After I told her all this, she stated that she was sorry it must have been a misunderstanding. It was not because I did not give my permission to use my card for the XXXX payment. She caused a payment to my rental company to be returned. I know that it is against the law to store someone information without their permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT 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 2022-04-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been dealing with both Navient and XXXX as they both reflect different balances. Over the course of many months and with little assistance from the ombudsman, I have had little to no success get answers. One institution will say something in total opposition of the other. I am trying to consolidate my privately owned XXXX loans to direct federal consolidation loans but I am unable to do so as the balance reflected are incorrect. I have been on the phone multiple times with both companies today. Additionally, Navient has an option to XXXX allocate where over payments as be made but there system overrides and splits the balance of the overage instead of paying down my smallest balanced loan as requested. Two customer services representatives have said I will have to call after the payment posts to have the payment reallocate. Come to find out, in the settings there is an option on how allocations are handled. Additionally, Navient advised me previously that in order to correct the balance owed I would have to contact my previous lender Sallie Mae whom last owned my loan in XXXX to insure that my balance is correct. Everyone continues to pass the buck and no one has the authority to do anything. I am working to get a direct consolidation as the only way to get a student loan reassessment based on forbearance over use is to have a direct loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have had my federally protected consumer rights violated by TRANSUNION on numerous occasions. According to to 15 U.S. Code 1681b - permissable purposes, nothing should be furnished on my credit report without my written consent, I have compiled and EXHIBIT to show the violations done to my credit report and have attached an invoice for the actual damages done. TRANSUNION has violated 15 U.S. Code 1692e as well, by using false and misleading characters and statements. I have not been able to extend credit or qualify for a loan. They have caused me financial harm willfully and negligently. I have also included XXXX notarized affidavits, one which is an affidavit of truth I have sent in the past. By law if the affidavit of truth has not been rebutted line by line then it stands as truth, so why are these negative accounts still on my credit report? Provide my signature in wet, blue ink, signed by my hand as stated in the affidavit of demand for verification ACCOUNTS : XXXX - {$7900.00} XXXX XXXX XXXX - {$9000.00} XXXX - {$6300.00}

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 2015-04-01
Company: MOHELA
State: RI
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 in 29 times, since XXXX XXXX, 2015 by a Company called MOHELA, XXXX XXXX XXXX, XXXX, MO XXXX. The calls are annoying. According to my son, Mohela has all the information on loan that belongs my son, not me. Yet they continue calling me. The most recent call was on XXXX/XXXX/2015 at XXXX PM. In the past two days, I have had XXXX discussions with Mohela personnel and quite clearly told them to stop calling and harassing me.

Company response to consumer: Closed with explanation