BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: International Computer Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
First Collection Service of XXXX XXXX, AR is erroneously reporting that a debt I never incurred to XXXX XXXXXXXX XXXX was a charge-off, when it was actually paid in full. This debt was never mine in the first place, and I paid it in full anyway because it had the potential to negatively impact my credit. 

This debt was incurred by a tenant I had at a rental property that didn't pay their gas bill, and the debt was ultimately transferred to me as the erstwhile property owner. I didn't know that the debt even existed until it went into collections, and by that point I hadn't owned that property in XXXX  years. The attached copy of court records shows that the property was sold in a foreclosure sheriff 's sale, with a certificate of purchase by the new owner filed with the court on XX/XX/XXXX, XXXX years before First Collection Service opened their file on XX/XX/XXXX of XXXX. 

First Collection Service is refusing to correct the negative " chargeoff '' status of this debt on my credit report, and have also refused to remove the entry from my credit report overall. This debt was paid in XXXX of XXXX, and they reported this erroneous negative information to the credit bureaus in XXXX of XXXX. 

I've called them and told that their policies don't allow them to make these sorts of corrections. The person I talked to said they would put me in touch with a supervisor, but as of yet, I have not received a call back from one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 CHECKED MY CREDIT REPORT AND THIS CREDIT LOAN IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These loans are fraudulent, for Nelnet failed to do a thorough investigation. The original loan servicer was well aware of the fraud involved in my paying scammers posing as debt relief companies. I raised an issue with The Department of Education, whom never did anything to protect my interests. I paid scammers whom also called and spoke to representatives of the original loan servicer. I am not request verification of this debt, I am simply requesting that you do a thorough investigation to see if the scammers whom i paid for over 1 year to aid in paying off these student loans that are now deemed fraudulent. I have included copies of the identity theft report, the police report filled with the local PD. I have also attached copies of verification documents for my identity. Please delete all Nelnet and Department of Education loans from my personal credit report. My personal affairs are my business. The only student loans that I am aware were consolidated for a reason. Nelnet somehow reversed the consolidation and assigned individual interest rates per loan that they allege that i owe them. Where is the contract created between your company and the original creditor/loan servicer? What are the terms in the agreement between all involved parties? I never gave authorization for Nelnet to access my personal and confidential information. How am i protected in the event of a data breach inside of Nelnet/DeptofEd? 

Disclosure Statement is attached, please sign and return. Failure to do so will result in termination of any further collection practices by Nelnet for these fraudulent and unverified student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: GA
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 Person ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Over charging on over draft fees.

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 monetary relief
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-09-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of 2019 I applied for a forbearance on my Student Loans through XXXX XXXXXXXX who was the servicer at the time. XXXX assured me I did not have to worry about payments or anything else while it processed. Everything was fine until I realized that I have 90-120 day late payments reported to my credit although I have a letter from XXXX XXXX clearly stating that I was in forbearance during the time that I was supposedly late. 

During this time I had 17 student loan accounts which meant I had 17 90 day late payments which absolutely devastated my credit. 

I did dispute this through XXXX, Equifax and XXXX all of which said that XXXX came back and verified that the late payments were accurate which is incorrect. The multiple times I spoke to fed loan over the phone I was told this is something that needed to be dealt with through mail. I mailed them on numerous occasions and never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: NV
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 have made multiple attempts to resolve all the mistakes on my credit report with all three major credit reporting agencies. starting on XX/XX/22 i wrote letters to XXXX, Equifax, and XXXX i got no response at all first issue at hand is an account from XXXX XXXX being reported Soley to XXXX and Equifax on my report its in complete violation of 15 U.S.C. 1681s - 2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE highest balance shows different amounts account status shows paid on XXXX but show derogatory on equifax last reported dates show different dates date last active shows different dates date of last payment shows different dates as well i would like this account completely removed from my credit report immediately please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: SC
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 8th 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, SC XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have 2 accounts showing with XXXX XXXX. One inactive, one active. The balance of the inactive account is {$350.00}, but the account closed with the balance. I requested a new/transfer account at my current address. XXXX XXXX started services via online, but requested the previous account balance through my deposit ( {$350.00} ), which is no issue. But XXXX XXXX wants me to pay {$350.00} twice for the active and inactive account. My deposit would have never been the exact amount that I owe from my previous account ( {$350.00} ), if I didn't owe XXXX XXXX. Deposits are based on credit and payment history. There's nothing wrong with my credit, so the deposit was based on my payment history. And the {$350.00} is the payment history. The inactive account has been reported to the collections, but the active account is still open waiting for the {$350.00} to be paid + my current monthly bill. One rep told me the deposit just so happened to be the same as my previous account balance. DUH! If XXXX is basing deposits on my payment history, then of course my deposit is showing as {$350.00} that was left unpaid on the other account. She then went on to tell me theyre systems didnt communicate to each other, so the accounts was split instead of transferred. But, XXXX isn't trying to settle my accounts, transfer them, or combine them. I put my request online to TRANSFER my services, but their system didn't TRANSFER my accounts. Instead, it opened a new account and has me facing two different balances. The reps on the phone are horrible, I spoke to at least 4-5 different people who all had different answers. They were very careless and refused to investigate and determine the root cause of this issue. Their answers were " oh well, you still have to pay the balance, oh well the system didn't transfer your accounts, it's not a deposit, one rep told me it is my deposit and it has to be paid. There was another rep who was a little helpful- she mentioned this has been happening a lot and they havent yet found a resolution. As of now, customers are overpaying until XXXX finds the root cause. 

Helvey & associates is the collections company thats incorrectly reporting this information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXXXX/XX/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 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts are closed and were sold to another lender. I am not liable for this debt with XXXX XXXX XXXX i do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as i requested Account name XXXX XXXX XXXX Account # XXXX I am not liable for this debt with XXXX XXXX XXXX i do not have a contract with XXXX  XXXX XXXX they did not provide me with the original contract as i requested Account name XXXX XXXX XXXX Account # XXXX I am not liable for this debt with XXXX XXXX XXXX XXXX i do not have a contract with XXXX XXXX  they did not provide me with the original contract as i requested Account name XXXX XXXX XXXX  XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-27
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
XXXX was XXXX income household they dropped credit line, I paid it down and haven't charged anything in over 1 year yet the balance is still high. Recent fraud from my bank detected, unable to get late fees waved. 2 payments have been made recently. and it's in the negative balance. 
Incorrect account holders Name. unexpected medical expenses, Fraud, ID theft,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX also XXXX XXXX talked on phone at length, went XXXX, Experian, XXXX, disputed all, companies gave me trouble, XXXX XXXX I have hard inquiries I'm not sure what is going on, I've been working hard to not mess up credit. Facts I went to XXXX in XXXX got out 3 days ago my phone was taken from police never returned all info identification was in it I need this stuff removed I'm now clean and ready to build good credit please help, all I get from anyone is it's verified well no it's not. Thanks God bless us all.

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 2023-05-17
Company: Alorica Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a XXXX XXXX XXXX XXXX XXXX which is a loan that offered {$750.00} up front and {$2200.00} once the loan was paid ( kept in a savings account ). Unbenownst to me, the loan was sold to another company, SST. I was sent an email from XXXX but was never able to receive any other communication from them. They were difficult to deal with and I was never able to log in to see my account or payments. I now have a 'charge off ' on my credit report and I have received absolutely nothing from them about this. 

I believe I have paid or nearly paid the {$750.00} which was loaned to me and due to their lack of correspondence or ability to validate that I have a debt with them I no longer want to continue to do business with this company and their poor business practices. They've also never sent me ANYTHING in writing regarding my debt, balance or anything further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: HYUNDAI CAPITAL AMERICA
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 status incorrect

Complaint:
Account # - XXXX 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Kia Motor Finance this is my last warning before I take legal action against your company. Your company is reporting inaccurate information to XXXX, XXXX, and XXXX! This account should be reflecting as paid in full and closed, yet your company is still reporting this account as a paid charge off which is inaccurate.

1. ) Your company are reporting three charge-off for the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to XXXX. It's impossible for an account to be charged off and still report monthy payments. This account need be updated to paid in full and closed. In the United States, federal regulations require creditors to charge off installment loans after 120 days of delinquency, there's no late payment or past due on this account, yet your company is reporting a charge off. I would have to be XXXX, and XXXX late for this account to be charged off and I wasn't.

2. ) Your company are reporting two charge-off for the month of XXXX and XXXX to XXXX. Remove the charge off for the month of XXXX and XXXX, because the previous month are showing 'paid on time and update XXXX and XXXX to paid on time. I would have to be 30, 60, 90, and 120 late for this account to go into charge off status and I wasn't.

3. ) Your company is reporting a charge in the month of XXXX to XXXX which is inaccurate. In order for a charge off to take place I would need to be 30, 60, 90, and 120 late and I wasn't. The previous month are showing on time payment. This account needs to be updated to paid in full and closed.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 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 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 1681c. ( a ) ( 5 ) 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 of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that 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 non-monetary relief
Consumer complaint received 2023-05-05
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:
Pursuant to 15 USC 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). I am demanding that you remove the following transactions from my consumer report immediately as they are a serious violation of my rights as a federally protected consumer under title 15 chapter 41.

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