BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: Spring Oaks Capital, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A third party company called Spring Oak Cap has posted a derogatory on my credit report and public record for a company called XXXX XXXX XXXX. It say that it was made in XXXX of XXXX but information of where and when is not accurate or related to my involvement. 

XXXX XXXX says they are part of a collection company from XXXX XXXX XXXX XXXX XXXX XXXX for a credit card I do not own. 

XXXX is also for something from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. says it was opened in XX/XX/XXXX A company called XXXX XXXX says they are collecting a debt for a XXXX XXXX XXXX. This account was closed and told not to be renewed. But the companies customer service for XXXX  aggressively did not want me to stop having coverage. I wanted my service ended. I was in a XXXX XXXX XXXX XXXX. And no longer wanted anything to do with this harsh company. My service and demand to stop service was in XX/XX/XXXX. Instead the XXXX company still charged me for another month not listening to the cancelations made from XX/XX/XXXX thru XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Finkelstein, Kern, Steinberg & Cunningham, PC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to refinance my home. I told my loan XXXX about a judgment that I had made arrangements on. He said it had to be paid so, they paid it. I called today to see if I could get every document contained in this collection file. XXXX XXXX said, the only thing I could get was a statement that it had been paid in full. I asked her why and she couldn't give me an answer. XXXX, XXXX, and XXXX out of XXXX, Tn. is the law office that I refer to. how is it that they get to keep your information after you have concluded your business? I find this to be highly suspicious. I don't want them to have anything of mine. I don't want them to have even my social security number. How can a company collect on a debt that has been charged off anyway? companies come in and pay pennies on a dollar for debt and then charge interest on it. This in itself is a crock. I'm expressing nothing but contempt for this whole process. I'm going to figure this out and when I do it going to be XXXX to pay. I didn't know the American citizenry was being taken advantage of like this. No wonder she is in the trouble she is in. This is sheer criminal.I want ALL my documents since I'VE PAID

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: ID Analytics, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was denied credit and a few days later received a letter stating it was denied due to applicant is deceased. I called 3 times and left messages, no one ever calls back. The message says someone will call within 1 business day, its been 5 since my first message. Tried to dispute but I need my consumer report number first. Filed a request for my report and never got it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX of XXXX there was an unauthorized transaction that took place. I reported it to Apple/Goldman Sachs on XX/XX/XXXX of XXXX. They gave a provisional adjustment on XX/XX/XXXX of XXXX. On XX/XX/XXXX of XXXX they reversed the provisional credit in the merchants favor. Also on XX/XX/XXXX of XXXX I reopened the disputer XXXX. On XX/XX/XXXX of XXXX I received the following email language Because your recent transaction dispute was resolved in your favor, the temporary credit you received including any related interest charges is now permanent. 

Disputed Transaction Details Transaction date : XX/XX/XXXX Merchant name : XXXX Credited amount : {$200.00} On XX/XX/XXXX of XXXX I got a message on my phone regarding the XXXX fraud charge from XXXX of XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-31
Company: SYNCHRONY FINANCIAL
State: GA
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:
I have been a victim of Identity theft. I have sent several dispute to the creditor/and or XXXX XXXX XXXX and XXXX. The inquiries are as follows XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, 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 2022-09-27
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: 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 year old daughter PLEASE HELP ME PLEASE im depressed 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 2022-07-31
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I extended credit to XXXX XXXX XXXX for the amount of {$200.00}. After the account became n the negative, I settled the debt without being notified of my right to dispute. According to the FCRA I HAVE THE RIGHT TO DISPUTE any and all information on my credit file. Section 623 ( e ) prohibits information furnished from providing information to a CRA that they know or a reasonable cause to believe is inaccurate. Upon looking at my credit file, how can a third party debt collector radius global solutions verify any information due to the fact we never entered into a contract together. Attached you will see all the inaccuracies that are being reported on my file. The date last active are showing two different dates and the date of last payment are showing two different dates. Under payment status it shows unknown on one and the other it shows collection/chargeroff. Also, the last reported dates are different. Now, they have violated me several times under the FCRA ( 15 USC 1681, 1681e, and 1692g. I will be forced to file a law suit and contact my Attorney General, XXXX, and 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 explanation
Consumer complaint received 2022-09-27
Company: CL Holdings LLC
State: AL
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 this Creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Complaint sent to ombudsman for Navient. 

Re : Navient Student Loan Servicer. 

Please let this serve as a formal complaint of Navient due to the following circumstances. I initially applied for and received a student loan in XXXX to attend school from XXXX to XXXX. I graduated in XX/XX/XXXX. Payments were initiated sometime in XXXX. Of major concern, the loan amount being reported by Navient could not possibly be correct. This is based on known payments made and records that I have. Payments were made up until I filed Chapter XXXX Bankruptcy due to financial hardship in XX/XX/XXXX. I have since then completed my payment plan in XX/XX/XXXX. 

From communication with Navient in XX/XX/XXXX, I was given a balance of approximately {$74000.00}. It was acknowledged that they had received approximately {$17000.00} from Chapter XXXX trustee. However, I was told it had gone to interest payments. I inquired about payments made to loan prior to filing bankruptcy. I was told that, the loan had been consolidated in XXXX and the balance was {$65000.00} and that Interest of {$8500.00} was added bringing the balance to approximately {$74000.00}. I inquired about payments made prior to consolidating loan. I was informed no records were available because it was someone else handling the loan at that time. 

From communication with XXXX at Navient on XX/XX/XXXX, it was acknowledged that {$20.00}, XXXX had been receive from the Chapter XXXX trustee. However, balance was still listed as approx. {$74000.00}. The additional {$3000.00} had not been credited to decrease balance. 

After addressing my concerns, I received a response from XXXX XXXX at Navient. Transaction record was sent and a formula attempting to explain the extraordinarily high interest rate. However, none of these numbers listed a balance of {$74000.00} or gave any justification of this balance. 


Before deciding on additional actions, I must demand the following from Navient : 1. Record of all payments received. 
2. Full disclosure of total amount of interest charged. 

Other information may be requested based on information received. 

PS : I have a statement from XX/XX/XXXX, showing a balance of approximately {$43000.00}. Several payments have been made over the last 10 years. From information received from Navient, there was a balance of approximately {$25000.00}, in XXXX prior to loan consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Experian Information Solutions Inc.
State: IL
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:
I have a credit card for a XXXX XXXX I opened about XXXX years ago ( XX/XX/2020 ). My last name was misspelled and, for some reason I dont recall, it couldnt be fixed at that time. I just let it be because I still could use the card normally and I didn't think it'd be an issue. 

Fast forward to this summer, I'm in the middle of the process to get into my current job and I noticed that on my background check report it appears my misspelled last name on the " other names '' section. So when I went to a different location and asked if they could help me to correct my name there. They said yes and I put in the information they asked for- thinking it was to find my account to modify it. At the end they told me the system wouldnt allow it so I should call. I honestly dismissed it because I dont use that card that often and, again, didn't think it would cause a problem because my current legal name has always be the same. 

However, I recently was checking the activity in my report and I saw I had a new inquiry by XXXX XXXX XXXX declined on XX/XX/XXXX. Apparently the way the cashier helped me was submitting an application for a new card without my consent, not fixing my name.

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 2022-07-31
Company: EQUIFAX, INC.
State: NY
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've disputed the company XXXX XXXX numerous times on my credit report due to them still reporting every month after we reached a settlement. It's still reporting negatively on my credit report monthly like it's still open and that's not fair. I already paid and settled this account. I also put security alerts and fraud alerts for all credit bureaus and someone was still able to run my credit fraudulently and bring my score down. This is not fair!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: ID Analytics, Inc.
State: AL
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 contacted XXXX, XXXX XXXX, Sagestream LLC., via phone, secured email and via letters. All of the companies that I have listed will not respond to my request to remove inquiries in which no credit was given or account is made. They have not responded to my request to my rights of privacy of balances, history and installments. They have not notified me about any of my rights. All of the bureaus and companies that I have listed have expressed that they will not do harm to the consumers yet they violate us repeatedly by misusing our information for financial gain for themselves. 

XXXX XXXX sent me a letter months ago with a code that did not work after I requested that I have a copy of my consumer file. I was told that my credit profile was frozen but it does not look that way. 
Sagestream has solicited my info to multiple sources. I froze my profile with them to but they have been furnishing my information directly and indirectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
Dear CFPB I have relentlessly been dealing with trying to remove a once deleted account on my credit report and XXXX XXXX XXXX Transunion has continued to fail me each and every time. It appears that it's about ruining a persons creditworthiness is more important than protecting them. I was a victim of ID Theft in early XXXX and some accounts have been removed and others have not. After careful review of my credit report I see the discrepancy of the reporting and I demand immediate deletion off of my reports. XXXX XXXX XXXX XXXX XXXX ( {$15000.00} ) & Account # XXXX ( {$7200.00} ) in the was opened in XXXX of XXXX and shows first reporting 30 days late in XXXX. There is no way an account can go an entire year and be reported a year later 30 days late! The other account XXXX was opened in XXXX and has no reporting history until two years later showing the first payment being 30 days past due 2 years later in XXXX which is impossible if no payments were made at all. I have asked them to show me how they have verified this information and they have failed me. 

The accounts are in fact past GA Statue of limitations which is well over 6 years. I did not make any payments because it was ID theft. Also after careful review XXXX is reporting the same account also XXXX XXXX XXXX as never late paid and closed date opened XXXX. 

XXXX also added these same accounts back to my credit report after deletion I was not advised of the reinsertion via XXXX until 10 days later and when I spoke with XXXX regarding this I was told " oh well sorry '' which is a violation per FCRA The last reply from XXXX was rude and in all caps! Very unprofessional. 

I also asked that each bureau remove all previous address off of my report and to only report my current address and they did not. None of the old address are associated with any of my current accounts. This is my third request and I a kindly ask them to fix this as well. 

I have sent the same documents regarding my ID Theft of my ID, Police Report, and FTC affidavit several times only for them to seem to lose, or not use them at 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 non-monetary relief
Consumer complaint received 2022-12-08
Company: LEXISNEXIS
State: AL
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 contacted XXXX, Lexis Nexis, XXXX XXXX, via phone, secured email and via letters. All of the companies that I have listed will not respond to my request to remove inquiries in which no credit was given or account is made. They have not responded to my request to my rights of privacy of balances, history and installments. They have not notified me about any of my rights. All of the bureaus and companies that I have listed have expressed that they will not do harm to the consumers yet they violate us repeatedly by misusing our information for financial gain for themselves. 

Lexis Nexis sent me a letter months ago with a code that did not work after I requested that I have a copy of my consumer file. I was told that my credit profile was frozen but it does not look that way. 
XXXX has solicited my info to multiple sources. I froze my profile with them to but they have been furnishing my information directly and indirectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: MI
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 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 2022-12-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I Have not received proof of bill, The Consumer Credit Reporting Act Requires anything on a credit report for the person when asked to provide proof of debt including full break down of charges, This has not been supplied to me, It is also against the law for this person to have my medical record since I have not given them access under HIPPAM they are therefore not allowed to view my medical information, I request that they immediately cease all activities and remove my record from their system and remove the report from my credit report as they are not allowed to have it there with being able to prove exactly what it was for and service rendered with a break down. It is showing they Sold to them by XXXX XXXX XXXX XXXX, and It was listed as them before on my credit report

Company response to consumer: Closed with explanation