BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I hope all of you are doing well as of this moment. I was checking on my credit report and I found erroneous information and I was very disappointed to see it on my report. I am writing three credit bureaus to update or remove this items. I hope someone will help and take action on this matter ASAP. I listed the companies showing on my report : XXXX : Account Name : 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  I know for certain that this is a violation of the law as mentioned in the following : 15 U.S. Code 1681 b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

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 2017-07-21
Company: EQUIFAX, 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:
THIS company being reported on my credit reports are NOT my account : XXXX XXXX XXXX XXXX - Acct # XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS. XXXX ( XXXX ) XXXX I sent 3 written letter to the 3 credit bureaus asking for proof that this is my account, I also called XXXX XXXX for any kind of contract they have showing this is my account they have failed to do so. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts listed below. Their failure to positively verify this accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, The credit bureau and XXXX XXXX XXXX XXXX have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: MD
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-06-13
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Individual from Tower Loan local office, called my place of employment and disclosed information of my acct with my boss, not HR, they disclosed they take me to court and would garnish my paychecks and disclosed to my boss I would need to call them today by XXXX. My boss is not HR and nothing like that should of been talked about. That is very unprofessional and should have not been discussed. If they wanted to verify I was still employeed fine ask that but what was said was not ok. I've put up with quite a bit of home visits from them within the office and haven't complained.

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 2017-07-21
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX, XXXX. XXXX XXXX I never lived at this address ( XXXX ) XXXX, ( XXXX ) XXXX are not my residential phone numbers. Remove XXXX name from my report as well.

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 2022-01-27
Company: Credit Bureau of Carbon County
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was alerted to a possible fraud due to a collections report on my XXXX credit report in XXXX of 2021. 
I contacted XXXX XXXXXXXX on XX/XX/2021 to inquire as to why they were and why they were reporting a collections that they had never made any attempt to collect. They told me the debt was from XXXX XXXX of XXXX XXXX. I informed them that as of XX/XX/2021 I had a zero balance with the hospital and the hospital had never told me they were sending anything to collections. XXXX XXXX said they would verify with the hospital. 
On XX/XX/2021 I sent XXXX  XXXX a letter via first class mail requesting verification of the debt and offering to work with them on a settlement should the debt be valid. 
On XX/XX/XXXX XXXX  XXXX sent me a copy of a consent for services from the hospital, but could not validate that the hospital asked them to collect any debt on their behalf. XXXX XXXX also could not prove they ever contacted me in an attempt to collect a debt prior to reporting to the credit bureaus. 
I sent XXXX XXXXXXXX a certified letter on XX/XX/2021 pointing out the discrepancies that remained and made an offer to settle in exchange for removing the negative information from my credit report. XXXX XXXX did not respond. 
I disputed the negative information on my credit report with XXXX twice. Each time supplying the information to date. XXXX stated the debt had been verified, but would not share how it was done or what information was reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

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 2022-08-25
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-06-13
Company: EQUIFAX, 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 XXXX  Account # XXXX, DEPT OF EDUCATION Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # 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 2022-01-27
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello : I have made repeated complaints against CONN 's Appliance in the amount of {$4100.00}. 
I made contact with them on XXXX different occasions regarding furniture that was not working properly and needed repairs.While at Conn 's initially they promised me that they would take care of the repairs at no charge to me in the event of things not working properly. 

The bed that I purchased was not assembled with all necessary bolts and weakened over time. I contacted them repeatedly and they said that there was nothing they could do because they didn't have the right equipment to service. I explained that it was unfair and unethical to promise repairs and then not do them and still expect me to pay for it. I asked them to come and pick up the bed and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am XXXX XXXX and I am submitting this claim myself and no third party is involved. 

I, XXXX XXXX, natural person, and creditor of an open ended credit plan was denied my right of credit by CAPITAL ONE. ( name of corporation according to the logo attached to the transgression. See attachment. ) I was notified of this transgression of my rights, specifically 15 USC 1601- T.I.L.A, by CAPITAL ONE on XX/XX/2022 via interstate commerce. 
According to 15 USC 1602, I as a natural person possessing an open-end credit plan was harmed by CAPITAL ONEs adverse action taken against me resulting in no benefit to me, the consumer from the credit transaction. 
CAPITAL ONE adverse action against me, denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to 5000.00. CAPITAL ONE is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was diagnosed with XXXX XXXX XXXX that XXXX to my XXXX. I have been going through an extreme financial hardship as I was unable to work. The XXXX appeared, only months after I graduated from school, and I was treated immediately. My doctor kept me off work due to difficulty with the regulation of the medication and other various complications. The lender, offered very few options to forebear this loan, or to lower the payments. I have been struggling to afford my medication, or food for that matter. I have called the servicing company Aes on several occasions begging them to help me out and they refuse any help. This has created an even greater hardship, because if I default on this loan, it will cause me problems with my moral character background application to become a XXXX XXXX. I obtained this loan to go to school to become a XXXX, and if this loan defaults, it may be impossible for me to do so, which defeats the purpose of me obtaining this loan to begin with. I wrote a letter to the lender, because I can not afford this current payment. I have called and asked them to extend the payments out, or do something so that I can lower it or to give me more time until I can get on my feet. They have not even responded to my letter, nor will the servicing company do anything further to help me. I was even told by them, that even if I die from my XXXX, that they will go after any assets that I have to get their money. The stress of this is aggravating my illness, and the lender does not care. The original loan was for $ XXXX and I have a letter that says that payback after 15 years, will be at $ XXXX which is almost triple the amount of the original loan. A loan shark would n't even charge that much, how could this be legal? I requested my original promissory note, so that I can see exactly what they are limited me too, and the company refused to provide it. I do n't even think that they have the master promissory note and they are implementing rules that are not even on the promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted your department about the fraudulent accounts that are being reported on my credit. I believe this started in XXXX XXXX time period. I discovered it around XXXX when I had to dispute items the first time, and now it is happening again on my credit report. I have had identity theft Report filed with a XXXX XXXX XXXXXXXX around XX/XX/XXXX due to a break in of my property. Also, I have not supplied proof under doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX, XXXX. I Presume that no proof of the alleged debt, nor therefore exists under my identity.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: Experian Information Solutions Inc.
State: ID
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:
On XXXX I submitted certified letters to the credit reporting agencies XXXX, Experian and XXXX to investigate a mortgage being shown on my credit report. I also submitted a certified letter to the mortgage lender XXXX. I received responses from the credit reporting agencies but not from XXXX. The credit reporting agencies said they were not able to make any changes to my credit report. The mortgage is causing my credit score to be impacted severely due to late payments. The mortgage should be solely listed under my ex-husband and not under my name as I have not been responsible for it for over 6 years.

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 2021-10-03
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am writing this complaint due to the fact that Quicken Loans has denied me for credit you can find this situation under APPLICATION # XXXX. I spoke with a gentlemen by the name of XXXX XXXX XXXX who has asked me to put a down payment for an extension of credit this violation falls under 2 different statutes the first being The Truth In Lending act you can not advertise or promote that a down payment is required in connection with any extension of consumer credit pursuant to 15 USC 1662 ( 2 ). 
Second violation being under the The Equal Credit Opportunity Act, Quicken Loans has violated me due to the fact that it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under this chapter. 
The chapter is 41 Consumer Credit Protection where The Truth In Lending Act is in and under the truth in lending act there is a definition called credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. As you can see It is MY RIGHT TO GRANT CREDIT and you aren't allowing me to do that making this an act of discrimination because I have tried to grant credit which is my right.

1. I NEED A RESPONSE STATING IF XXXX XXXX XXXX ASKED OR REQUIRED ME TO PUT A DOWNPAYMENT DOWN IN AN EXTENSION OF CREDIT. 
2. ALSO I NEED A RESPONSE TO WHY I HAVE BEEN DISCRIMINATED AGAINST FOR GRANTING CREDIT WHICH IS MY RIGHT.

3. AND LASTLY I NEED A SENIOR EXECUTIVE TO DEFINE THE TERMS YOU HAVE USED BELOW DUE TO ME NOT UNDERSTANDING FOR THEY ARE NOT IN THE TRUTH IN LENDING ACT : LOAN BORROW DEBT INCOME LOAN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2021 I submitted a dispute letter to all three major bureaus ( Equifax, XXXX, XXXX ) due to some erroneous negative entries on my credit report As a result, this caused a lot of headaches to my livelihood I'm not being able to properly use my credit when needed. I have been denied access to Loans, Credit, Mortgages because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Navient Solutions, LLC.
State: LA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Navient is attempting to collect a debt. However, the debt was sold to a third party. I have no contract with this company. Therefore the debt is unverifiable. Not contract/contract canceled.

Company response to consumer: Closed with explanation