BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-30
Company: Experian Information Solutions Inc.
State: LA
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 pulled my credit report recently and I noticed that I had several inquires on my credit that were inaccurate or unknown to me then all of my health information was on my report I didnt give authorization to share with anyone about my state of health. I have multiple name spellings and several unknown or inaccurate addresses that I will list in the notes and it will be highlighted to what are error. 
hospital I did not give permission to share my health information that is illegal by law XXXX XXXX XXXX XXXX XXXX XXXX then I have accounts that are in positive standing reporting negative or closed which is completely inaccurate XXXX XXXX XXXX one account is paid and closed yet reporting negative and one is my current loan that is upto date XXXX XXXX  XXXX  ( 2 ) which are in good standing multiple hard inquires that are on there I have never done business with nor applied with there service and XXXX wont release 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 2020-11-11
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have contacted the company. XXXX and spoke to them. This is over equipment charges. I have cleared this off 2 of the 3 bureaus, but IC collections keeps putting it back on my report when I get it off. This debt didn't start in XX/XX/2020, that just when it was readded to my report. I do not owe XXXX and I do not owe IC Systems. I have no collections on any of my reports but this one. And I have disputed this many times and XXXX  keeps allowing them to re add it to my report. Just disputed it and XXXX  sided with IC Systems. I have had this removed many times off my report and XXXX  keeps letting them re add it. I do not owe XXXX it has been cleared up long time ago and this collection company needs to leave me alone about it and stop messing my credit score up.

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 2015-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XX/XX/2015 I refreshed by Trans-union credit report with via the website. However, I was shocked to see my credit score drop from XXXX to XXXX. I was shocked because I paid down {$13000.00} in debt 2 weeks prior to refreshing my report. I called Trans-union only to be told the score dropped because they use an updated/revised score rage from XXXX to XXXX which lowered my score. I disputed this with the representative only to be placed on hold for XXXX mins I disconnected the call me due to the excessive hold time. I confirmed with XXXX and XXXX that my credit score remains in the the XXXX to XXXX rage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
my account was closed I called the number given to me by the bank. after speaking to fraud department briefly, they hang up on me. I called again and no one wants to speak with me. I don't know why. So I called the number behind my card located in Florida. I explained what I had experienced they person seem nice to try to get me answers, I waited for the person to return back to me on my phone. It was quite and hung up again on me. So no one once to speak with me about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Experian Information Solutions 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:
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.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any 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 2016-09-12
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
we ordered XXXX. in XXXX of XXXX our roomate signed this little XXXX box without my authorization. ( were told anybody over XXXX could sign ) this was a XXXX XXXX credit card. i canceled the order within three days. and returned their equipment. i notified XXXX of the situation and they did an investagation and gave us our money back. XXXX is still trying to charge us ov er XXXX for an illigal usage of the card and i reported the fact that we didnt wish to use their services. i want this to be taken off our credit report and they needto stop sendfing me bills.XXXX agreed with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX account number XXXX this account is out of date its past the original it can be reported check the first date is was past due it has a XXXX bal and needs to be removed

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 2016-06-07
Company: United PanAm Financial Corp.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Me and my husband have a vehicle financed through United Auto Credit Corporation. On XXXX/XXXX/16, I spoked with someone in account recovery and they decided to give us an extension on our payment until XXXX/XXXX/16. Last week I received a call about a payment. I explained to the representative that I had an extension and my payment is not due until XXXX/XXXX/16. He asked me did I have the documents and I read the extension to him. He told me that he was sorry about the call and to just make sure I made the payment on XXXX/XXXX/16. 
Someone called my husband and told him that if a payment is not made, they will come and get the vehicle. Today XXXX/XXXX/16, I got a call from another rep.I explained to him about the Extension.He told me that it was a mistake. I told him that from XXXX/XXXX/16 - XXXX/XXXX/16, they 're just now calling me and want to say it was a mistake.That mistake should have been caught the same day. He started getting smart with me and telling me what I am going to do, so I asked him for his XXXX repeated my name.I said to him again what was his name, and he said XXXX.I asked what was his last name and he said I will not be getting it.I told him to hold on and got XXXX of my co-workers phone to use the recording. When I got on the phone, I recorded the rest of the conversation. I should not be harassed when there was an agreement in place.I e-signed the documents like I was asked on XXXX/XXXX/16. My husband said he told them that he 'll make the payment Friday because they told him that if he does not pay that they will pick up the vehicle.I 'm attaching the Extension agreement that was sent via email that I had to e-sign. I am also sending the recorded conversation of the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Hi On XX/XX/2022 Somebody stole my phone while I driving for XXXX. 
As soon as I got my phone stolen I had an extra phone because I driving for XXXX too so I called Apple Card right away saying that I got my phone stolen You need to disable my account make sure nobody use it assistant told me I will take care of it you dont have to worry about it but in a few days I get three charge somebody use it my card purchased XXXX stuff and I called them again to dispute the decision wasnt my favorite and I dispute again with the evidence that phone record I called right after my phone stolen and I asked them play the conversation and you will understand I didnt make the charge they ignored my request and just deny my dispute again. 
Disclearly theres phone record show I called for stop my credit account And they dont want acknowledge I dont want to pay something I didnt do especially a call to make sure nobody use my phone to purchase anything and I have a responsible for the all the charge That is Ridiculous please help me out

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-30
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:
I am submitting this complaint on my behalf because Transunion has failed to comply with requirements imposed under 15 US Code Subchapter III and Regulation V 12 CFR 1022 and is liable pursuant to 15 USC 1681n ( 1 ) ( a ).

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 2016-03-14
Company: AFNI INC.
State: DE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2015, an item appeared on all three of my credit reports from AFNI , inc for an ATT debt. I contacted them by phone XX/XX/XXXX regarding the debt. During that discussion, I explained to them that this was an error and that I was disputing. About few weeks later, I received a letter in the mail from AFNI informing me that my dispute have been investigated and based on their investigation this account has been closed and Afni , Inc will take no further collection action and request the credit reporting agencies to remove. 

After receiving there letter, I monitored my credit report for four months waiting for AFNi to direct the credit agency to remove entry. In XXXX 2015, I sent a certified letter to AFNI requesting removal and validations in which they refuse to respond. So I sent a second letter in XXXX 2015 again requesting validation in which response was received. I also disputed this items with all XXXX credit reporting agencies twice between XXXX 2015 and XXXX 2015 and both times the disputes came back verified. 

With AFNI continuing to report this incorrect information on my credit reports, they have violated on numerous occasions the Fair Debt Collections Practices Act and my rights. They are purposely ignoring all my request for resolution and continue to report erroneous information which is a violation. 

I have reatined all my correspondence with AFNI 's, including copies of the XXXX certified letters I sent and a copy of the letter they sent me dated for XXXX XXXX. 2015 which indicated they will direct the credit reporting agencies to remove the incorrect account information from my credit files. This has not occurred. 

I 'm hoping the CFPB can assist me with resolving this matter before my next course of action of a lawsuit. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
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'm a victim of identity theft

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 2017-08-24
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off huntington bank in 2013 XXXX.they people from the XXXX XXXX keep saying I owe XXXX I talked to a guy there he said do n't worry about it he 'll make it a charge off.they do n't send me a letter or anything.there number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XXXX XX/XX/2022, I received a TD Bank Visa Debit Card ( XXXX XXXX in the mail via USPS. I did not apply nor do I conduct any banking with TD Bank. On XXXX XX/XX/2022, I contacted TD Bank fraud ( XXXX ) XXXX and spoke with XXXX ( fraud customer service associate ). I provided XXXX with my information and she informed me she was revoking this card reported as fraudulent. My hope was that she would also close out any bank account that was fraudulently set-up to request this TD Bank Debit XXXX, but this first needed to be reviewed by TB Bank fraud team.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I expressed to XXXX I would be moving to another address which did not allow services in XXXX XXXX before I moved back to my mother 's house. My lease was up XX/XX/XXXX. As I moved back into my mother 's address, I replied to every call and send a couple of letters to XXXX explaining the situation of me having to moved and relocate due to my lease being expired. After a few attempts of calling and letters to the dispute department, XXXX has hired a third party ( AFNI ) to recover activation fee cost of {$280.00}. An XX/XX/XXXX letter states if I do n't pay they will go into my account and charge for the above amount as well negatively effect my credit. XX/XX/XXXX I spoke with XXXX at AFNI she expressed credit will be effected and XXXX with XXXX expressed it was not their concern and that I chose to leave the residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
On XXXX/XXXX/2006, I took out a {$13000.00} private student loan with XXXX XXXX at a 3 % interest rate. To date, I have made payments totaling {$14000.00}. The interest rate is now 10.25 %, and the balance is now {$24000.00}, with a required $ XXXX/month payment, that increases each month. I am paying {$6.00} per day in interest. If I continue on the current course, I will have payed Navient over {$62000.00} for a {$13000.00} student loan. I have contacted Navient on multiple occasions to try to refinance my loan and/or remove my cosigner, but have only gotten the run around. I understand that I took out a loan, and I believe that I should repay that loan with interest, but I do n't think that I should have to repay it 5 times over. ( I pay this loan on time every month, and have not been late on a payment in 5 years. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: MT
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 would like to dispute these inquiries Iam unaware of them, I do not recall Makin these ... I would like them removed off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Mark A. Kirkorsky, PC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX XXXX called me yesterday at work regarding a debt of my husbands from 5 years ago. I asked him not to call me at work and to call my husband. He said he was n't able to get ahold of my husband, so he had no choice but to call me at work. I asked him never to call my work again and he told me this is n't a friendly consumer debt so he can call me whenever and wherever he needed to until this matter was settled. I again asked him not to call my work and he said he would stop calling me when he got ahold of my husband. He called my husband today and asked him for payment, which my husband said he could n't do right now. He then called my work again and said unfortunately things did not go well with my husband, so he has to start calling my work again. I feel threatened and he refuses to stop calling me at work. I can not block the call and he said there are XXXX attorneys in his office and they are n't going to care if I complain on him. He said he will not stop calling me at work because he needs to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: Mid-Atlantic Consumer Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting called and being asked to call XXXX to pay debt or face legal consequences, which is a scam. I do n't owe any debt, and the threat and harassment is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: State Collection Service, Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I had a credit report pulled and a collection appeared for {$1.00} with State Collection Service in favor of XXXX XXXX XXXX. I have not received any other notices or communication in any form from State Collection or XXXX XXXX concerning an outstanding balance of {$1.00} for debt owed and have paid all known medical billings to XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: State Collection Service, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from them a while back. I responded stating I was on a payment plan with XXXX and they needed to validate it. They never did and now it is showing on my credit report. This needs to be fixed as I responded within the 30 days and they failed to validate the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30
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: Was not notified of investigation status or results

Complaint:
You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy. 

I did an investigation on my credit report which causeddepression upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. CODE 1681e ( b ) Accuracy of Report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the informationconcerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after, any reinvestigation under paragraphs ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer report agency shall ( i ) promptly delete that item of information disputed by the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation-and ( ii ) promptly notify the furnisher of that information that the information has been modified of deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after you the accounts and or the information. 

I demand you delete the late payments from my XXXX XXXXXXXX account # XXXXXXXX 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