BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
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:
This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the item that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/2019 Balance {$5600.00}

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 2021-11-17
Company: Kriya Capital, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource manage bought my debt from XXXX XXXX XXXX XXXX XXXX who already acknowledged it was not valid with XXXX, these people doesn't do their job toward verifying debts!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: NC
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 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Although the debt attempt was not viable I paid the bill directly through XXXX. I then called Diversified Consultants, Inc. to report the bill had been paid again. Diversified confirmed the account was closed. I requested proof off payment and account satisfaction both via email and hard copy. I was told both should be received within 48 hours. I verified my email address 3 times. 9 days later I still never received confirmation. On XX/XX/XXXX I called again. I was again told the account was closed to satisfaction. I again requested confirmed and was told another 48 hours. I insisted on speaking with a manager after getting nowhere with the initial representative who stated they were helping me because they could not get ahold of the person who was handling my case. Someone representing themselves as a manager picked up the phone, said this is XXXX XXXX please hold. The phone was then left off the hook-on hold for over 30 minutes without my concern being addressed. Needless to say, I still do not have proof of payment. I even tried several times to access he online potal to print receipt myself and I only get back a message stating the account does not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Attended a school named XXXX XXXX. The school took a loan from Navient. I left XXXX after attending a few months. The school closed and became XXXX College. XXXX College closed and became XXXX College. However, it 's impossible to locate the transcripts from XXXX because it closed. It 's impossible to show proof that I attended that school. Thus, proving that the school is a scam school, which works with companies like Navient in order for both Navient and the school to take away money from the student. In other words, the school disappears, but Navient still demands payments. Money that they should n't have taken from a scam school, but still took. Navient now expects me to pay {$21000.00} for only attending a few months. Money that I should n't pay because it was all a scam. This money should be paid by the scam school.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Interest reported to IRS on form XXXX for 2014 is incorrect as it should be {$3100.00} not {$1600.00} ; or if it is not, then the cancellation of debt reported is incorrect and should be lowered by the difference {$1400.00}. Both can not be correct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: EQUIFAX, INC.
State: FL
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 writing, because i don't recognize this account. I had a problem before, somebody used my information and applied for credit cards. I never had any contracts with this company, i'm not responsible for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 writing, because i don't recognize this account. I had a problem before, somebody used my information and applied for credit cards. I never had any contracts with this company, i'm not responsible for this 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 2018-05-30
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I disputed this claim from my credit report with the credit bureau. They ( collection company ) responded to the dispute and said the charge was for un-returned equipment. On XX/XX/2018 I emailed the company and provided a receipt from when i returned the equipment ( years ago ) and now they are saying its not because of equipment ( which is what they told the credit bureau ).

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 2016-09-20
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I filed this complaint on XXXX XXXX, 2016. It has been more than 60 days and even though I received a response from Citibank with a positive resolution to the issue, the miles promised have not posted in the account. The original complaint was this : I opened a checking account with Citibank online on XXXX XXXX of 2016. The account is a citigold and I opened it online and used a promotional code to receive XXXX american airline miles. I had to meet certain spending and payment requirements within three months, which I did. When I opened the account online I used this promotional code XXXX, which was then confirmed as valid. Three months later, I followed up via chat online with a representative of Citibank who confirmed that I was eligible for the promotion. Early in XXXX I sent a secure message to citibank to follow up on the promotion as I had already waited 90 days since meeting the requirements and no miles were posted to my account. The reply to that message as that I was not eligible for the promotion. Thus I am following up with a complaint to the consumer finance protection bureau as I believe Citibank misled the potential consumers. 
I have participated in many other promotions online for finance institutions and when I was not eligible for a specific promotion, the system would let me know as I was taking steps to open an account. Citibank 's actions are not acceptable as I spent time and money to open the account, invest funds, set up payments, follow up on the promotion, with contradicting messages from the representatives. 
Thank you, XXXX XXXX The current claim number is : Case number : 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 2016-04-30
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
His always blowing up my cell phone if I do n't answers they call my work number or sometimes my reference and they send over employment verification as well.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: EQUIFAX, INC.
State: IL
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:
The credit bureaus are reporting inaccurate information on my credit reports. I disputed the accounts and still haven't gotten a response

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home was illegally and intentionally placed on a vacant and abandon list, by city employees who 've been out to get me for quite sometime now. Shortly thereafter, these same city employees falsified legal documents, forced entered my home 5x 's and fraudulently submitted the same documents to the electric and gas company and then DEMOLISHED my home right before my eyes. Ocwen the loan servicing company took No action, as they state the city NEVER contacted them about my home in thus violated DUE Process laws. Now Ocwen has denied me access to the website, in hopes that I stop making payments. They have also discontiued sending monthly mortgage payment statements. I believe this is an attempt to force me into foreclosure. I took a screen shot of the Denied access page when I logged into Ocwen Site to make payments, which I 've always done. Now since HUD has sent my complaint to the XXXX XXXX XXXX XXXX, I am blocked from having account access. I used an old statement to make this months mortgage payment, and sent it priority mail for proof! The city attorney who I believe is behind all this mess, is now the attorney investigating the HUD complaint. Ocwen and the City is working to ruin my credit because I 've filed complaints against them for fraud, waste and misappropriation of funds. I need Ocwen to open my account so that I can continue to make my monthly payments, without these many forms of on-going harassment, intimidation and criminal acts against me, until I am released from this debt in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: Convergent Resources, Inc.
State: GA
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:
This debt was paid off almost two years ago, I paid the debt almost {$600.00} dollars to this debtor. I called obtained my final bill amount the male representative gave me a amount I explained to him the send a bill every two weeks and to please advise me what I am being billed for he stated honestly he did n't have any idea he only shows my payments on accounts told me to pay {$250.00} last bill it was paid and they sent a independent contractor to my home to pick up my equipment and that was it I switched my services. I have seen on my credit report where this same debt has been removed five times and now they placed it back on my credit I am upset about this and I feel this should not keep appearing on my credit report as I have paid this off and have my bank statements to prove it. XXXX is a very unfair company who gives you the run around and keeps charging people for ridiculous amounts twice within the same month not monthly and ca n't explain what exactly you are being charged for this has been on going for almost three years now with this being now XX/XX/2017 and they removed the same debt and have placed it back 5 times they should be ashamed of themselves I would never recommend XXXX to anyone!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Late fee

Complaint:
MACYS has twice charged me outrageous " late fees '' - for example, on a balance of {$85.00} Macys charged a fee of {$40.00}. In addition this fee is not properly charged ; during my phone calls to Macys I cancelled my account, but Macys did not cancel it. Macys inattention to the content of those calls is as outrageous as the outrageous fees themselves.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-14
Company: Michael Harrison, Attorney at Law
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I contacted this attorney over a year ago when I saw a collection on my credit report and made a good faith payment of {$25.00} and asked them to send me the information regarding the debt. They never sent me any documents. Months passed and still nothing. I again called and made another good faith payment of {$50.00}. on their website and requested the documents pertaining to this debt. I received nothing again. I contacted them and they said that the payment I made the XXXX time was for a different charge. I told them I have no idea what theyre talking about and I never received any documentation. I asked them again to send me the charges pertaining to these debts. I received nothing. A few weeks ago, I received a letter from the court stating that they were levying my account for a debt. I was never given any proper notice. I contacted them about this debt for what I found out was for XXXX XXXX and told them that this should have been paid by my insurance company but I will make monthly payments of {$50.00} a month. The gentleman on the phone mocked me and called my names. He kept talking over me and I could n't communicate anything. I felt diminished and he kept on with interrupting me and then saying he was finished talking to me then hung up. I am horrified at the harrasment I received today XXXX/XXXX/15 on the phone by this gentleman who will not let me make payment arrangements again without hanging up on me. Please help me as I can not communicate with this collection agency without being verbally abused. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is reporting XXXX XXXX XXXX late payment over 7 years. FCRA states you can not report a negative rating for longer than 7 years. Experian has been reporting late payments for longer than 7 years and is refusing to remove the accounts from my credit report. I have repeatedly disputed this information and Experian is refusing to remove this account from my credit report. Reporting a late payment longer than 7 years goes against the guidelines of FCRA. Experian states this account is scheduled to come off in XX/XX/XXXX and they have been reporting late payments since XX/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 2020-04-10
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My report reflects fraudulent inquiries inwhich i did not make and I'm demanding that these unauthorized inquiries be removed immediately. 

1 ) XXXX XXXX (XX/XX/XXXX ) 2 ) XXXX  ( XX/XX/XXXX ) 3 ) XXXX  ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX  ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7, ) XXXX XXXX XXXX, ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/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 non-monetary relief
Consumer complaint received 2017-02-09
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A party named : XXXX XXXX of Financial Asset Management Systems repeatedly calls my home phone number. And, now, he is telephoning my place of employment. I asked him to stop calling me, but he continues to call. During his call, he will not give any information about the debt that I supposedly owe. He asks me for my social security number and my date of birth. I do not give him the details that he seeks, but he continues to telephone me at home and at work.

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