BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
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:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ( Experian ) ; XXXX XXXX XXXXXX/XX/2022 ( XXXX ) ; XXXX XXXX XXXX XX/XX/2022 ) has lead me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the FTC 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX doc reflecting all items that were found to be authorized by any such. Please remove ASAP.

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 2022-02-11
Company: Experian Information Solutions 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2022-02-11
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have reason to believe that NATIONAL CREDIT ADJUSTERS is " parking debt '' on my consumer report in an attempt to coerce me the consumer into paying a {$1500.00} debt that I don't owe and has been doing so since XX/XX/2019. I've tried to remedy this situation through the process of disputing the alleged debt, but there was no " reasonable investigation '' done on behalf of NATIONAL CREDIT ADJUSTERS or the XXXX consumer reporting agencies XXXX, XXXX, or XXXX. Running a consumer report through the " XXXX  '' automated system does not constitute as a " reasonable investigation ''. I demanded " to see '' verifiable information such as, chain of custody, purchase agreement, bill of exchange, original documentation with my wet signature in " blue ink '' not a " carbon copy ''. None of which were provided to me after the conclusion of the automated investigation. So how can this alleged debt be valid or verified? 

Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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. 

Per the Federal Trade Commission : Just what is debt parking? Its the practice of placing purported debts on consumers credit reports without first attempting to communicate with the consumer about the debt. Some call it passive debt collection, but theres nothing passive about the injury it can inflict. Consumers often dont learn about it until a mortgage company, prospective employer, or other decision maker pulls their credit report and spots what appears to be an unpaid debt. With a house, car, or job in the balance, many people feel pressured to pay up even though they may not actually owe the money. 

Me and my family have suffered severely due to this inaccurate, erroneous information being reported on my consumer report. This has damaged my character, my reputation, and my general mode of living as well as my ability to obtain credit for personal and house purposes. 


15 U.S. Code 1681- Congressional findings and statement of purpose U.S. Code ( b ) Reasonable procedures It is the purpose of this sub chapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this sub chapter. 

Now how are these kinds of deceptive tactics " fair '' and " equitable '' to me the consumer? I believe my consumer rights are under attack.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have new information regarding CFPB complaint # - XXXX & XXXX. 

I sent this company a dispute on XX/XX/2022. Tracking # XXXX delivered on XX/XX/2022. Pursuant 15 USC 1681I ( a ) ( 6 ) specifically ( 6 ) ( b ) ( III ). I have the right to get the description of the procedures. This should have been sent to me via mail with in 15 days pursuant 15 USC 1681I ( A ) ( 7 ). Today makes day 21. They are in complete violation. I would also like to note this company only have 30 days to complete this investigation. If the investigation is not complete within that 30 day the company must delete the requested items pursuant 15 USC 1681 ( a ) ( 1 ) ( a ), ( b ), and ( c ) This company is in complete violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Principal loan amount XX/XX/XXXX : {$22000.00} Loan balance now : XXXX Total loan INTEREST paid so for : XXXX Navient is going to add the total amount of principal paid by me in the days to come, but I have paid at least {$10000.00}. So far it shows at least {$41000.00} total paid out!!!!!! 

FYI : From XX/XX/XXXX to XX/XX/XXXX I paid religiously {$280.00} a month for 10 years that is a total of {$34000.00} and I still owe {$12000.00}!!!!!!!! My payments are {$300.00} a month for the next 5 years that 's another {$18000.00}. Over 28 years that 's {$60000.00} on a {$22000.00} loan. I think I have paid my fair share!!!! On XXXX, in the blog section, regarding class action suit against Navient ; there are dozens and dozens of people just like me, in the same boat.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was part of the Equifax security breach, as of now I know if nothing has been taken from me but I know my information was involved in the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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:
There is information that on my consumer report that is a result of Identity theft. I did not provide written permission or instructions for that identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made based on a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX inquiry : XX/XX/XXXX You required to do what I am asking and block these transactions from being reported to my consumer report within 4 Days from the date of the receipt of this notice. I look forward to your response. 
Thank you Sincerely, XXXX 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 2015-10-29
Company: Empowerment Ventures, LLC
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Rush card has not been posting my deposits the past XXXX pay periods, so this has been going on for a month. I received my last deposit 2 days late. I live paycheck to paycheck, and have been forced to borrow money to be able to get back and forth to work. I am getting late fees due to not making payments as planned. I plan my bills with my pay dates. Something must be done, I am reading all over the internet that many people are having the same problems. I ca n't access my online banking, nor can I get thru to the bank. I have held over XXXX hours to be disconnected. Very frustrated and it seems they are not fixing the problems.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-03
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:
XXXX  or XXXX  is not letting me monitor my account which is a violation b/c of my id theft and been charged fees in the state of texas if youre a victim all fee 's are waived

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 2017-09-08
Company: EQUIFAX, INC.
State: OR
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:
Equifax had negligent security protocols on sensitive information related to me. According to their website, my information was likely affected by the breach. I took action to freeze my credit on each of the credit reporting sites on XXXX XXXX, 2017. This mishandling of information may very likely lead to identity theft of myself and millions of other Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The Fifth-Third Bank has blamed me for fraud and over-drafted my account and taken my funds or access to the account. This incident happened on XXXX, XXXX XXXX a check was deposited of XXXX from a job offer from XXXX XXXX XXXX XXXX Once i did deposit the check the next 24 hours funds were given into the account and the fraudulent charges were made on XX/XX/XXXX not report to the bank until XX/XX/XXXX due to the check being returned for insufficient funds and the charges over-draft my account Ending XXXX. Fifth Third Bank has been contacting me advising of a foreclsoure or reporting to collections and the credit bureaus for this balance. I have banked with them for over 5 years now and I did do as asked to report fraud as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Paramount Recovery Systems, L.P.
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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX PARAMOUNT RECOVERY SYS ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ... PARAMOUNT RECOVERY SYS ( Original Creditor : XXXX. XXXXXXXX XXXX XXXX ) XXXX ... PARAMOUNT RECOVERY SYS ( Original Creditor : XXXX. XXXX MD XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: SUNTRUST BANKS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is in reference to more a visa debit card not credit card..on XX/XX/2019 i entered suntrust bank on XXXX XXXX XXXX XXXX, XXXX, ga XXXX to get a cash advance off my visa debit card..the teller refused to issue funds to me even though i had proper i.d.drivers license and additional i.d . and funds where available..im not a customer of suntrust but just needed the funds issued to me..they told me i could use the atm and get the funds but atm only issues out a certain amount and i need more than atm allowed..there excuse was they only do advances on pre paid cards which is rediculous ... i have worked at banks before and never heard of such a practice they stated was there policy..for one its an unfair practice ..i cant receive funds from teller but i can go the atm where i will be charged fees.. next i have gone to other suntrust bank where i had no problem at all and they issued funds to me so how can one bank issue funds and another not ... this bank is not following banking guidlines or picking and choosing who they issue funds too..suntrust bank at XXXX XXXX XXXX XXXX, XXXX, ga XXXX issues funds to me in the past with no problem but suntrust bank at XXXX XXXX XXXX XXXX, XXXX, ga XXXX doesnt follow same guidlines

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 2022-02-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an account that is not mine and inquiries that I did not authorize or make. The account in question is XXXX XXXX Account number : XXXX Opened XX/XX/XXXX. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX. This account nor inquiries are mine. I am a victim of Identity theft and demand these items are investigated and 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 non-monetary relief
Consumer complaint received 2022-10-04
Company: Bread Financial Holdings, Inc.
State: MI
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 a significant payment toward my balance. It is now less than {$100.00}. It has been very hard for months to just pay my bill and now After 8 calls, a representative told me that they have an issue with the system and I'd have to ask a supervisor or someone of the sort to send a letter to the credit bureaus to force the update. I am trying to get this information properly updated so that my credit report will be accurate. I have attached a screenshot of what is reflected and the last time that they reported accurate information to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
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:
They did not clearly specify that they needed Tax Returns they asked me to state my income then ran my credit I never wouldve consented to running my credit if they disclosed of the fact that they would determine my eligibility exclusively base on my Tax Returns I felt like they should disclose this information before running my report I did not clearly understand that they may have requested Tax Returns specifically. They should have clearly stated that I needed Tax Returns before running my credit this has effected my credit adversely and would have clearly been prevented if they did. 
Please remove this hard inquiry please remove based on the confusion and lack of clarity.

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 2018-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I use a rewards app called XXXX, whose service provider needs access to my credit card transactions in order for me to get the rewards points for purchases made with my card. ( Capital One XXXX card. ) Capital One is no longer allowing me to give XXXX access to my transactions. I have a right to share my credit card data with this app and I would like Capital One to grant this access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Accounts Interchange Group LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2022 XXXX from AIG Accounts Interchange Group for XXXX XXXX XXXX XXXX XXXX contacted my mom looking for me. She was told I do not live with her but that she would let me know that she called and give me her number. I was given the number and tried to called but obtained a voicemail. I left my name and number, believing that this was in regards to an insurance quote. I did not receive a call back, but my mom was called again on XX/XX/2022 in the am. I was working on XX/XX/2022 but when I came home I noticed that the number I had called had called my home phone that morning at XXXX. I called the number back at XXXX on XX/XX/2022 and spoke with XXXX XXXX. She let me know she was with AIG and said that I owed a debt to XXXX XXXX and in order to avoid further judiciary action I needed to pay what I owed. I explained to her that I wasn't going to be paying anything, that I didn't know of a debt with XXXX XXXX, and upon speaking for a period of time she finally said she was with a debt collection agency attempting to collect a debt. I told her that I had not received anything from her company by mail regarding the debt, nor had I received any calls personally from them and wanted her to explain why they hadn't called me, but called my mom. XXXX stated I never answered my phone, which they never had tried to call and when she asked to verify my email address, what she had on file wasn't my correct email address. I gave her my correct email address and she forwarded a generic letter to me dated XX/XX/2022 with little to no information on regarding the debt. When I said I would need to investigate this further on my end she sent me the online application with the company that I supposedly signed then stated she knew I had did the application because the IP address matched my location, she stated this multiple times in our conversation then also stated that I had several, as a matter of fact 5 different IP address. I let her know that there are many people that have access to my IP address and that an IP address can be manipulated. At that time I let her know that I would be looking into this but that she was not to contact my mom again and that she contact me by mail only. Since speaking with XXXX on XX/XX/2022, I received phone calls from her on my home phone number on XX/XX/2022 at XXXX, my cell phone XX/XX/2022 at XXXX and again at XXXX, XX/XX/2022 at XXXX and again on my home phone on XX/XX/2022 at XXXX and XXXX. I work and can not make/take personal calls. I have looked into this and am disputing this debt, but she continues to call. I have a letter I am preparing to send AIG.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I paid off XXXX in XX/XX/XXXX in full but it still appeared on my report. But it was fine, just still appeared when all other Medical billing companies came right off! I disputed it back in XX/XX/XXXX and since then it shows up as 'Derogatory ' in big red letters on XXXX XXXX and other soft draw agencies. Went through BBB And XXXX just gave me the soft shoe shuffle!

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