BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 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 need to be investigated and deleted for 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

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 2022-12-05
Company: Conduent Incorporated
State: NM
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have been trying to activate my card, but it always says my social security number or date of birth is wrong. But I've tried it multiple times, to make sure I didn't get it incorrect, I would like to fix this problem as soon as possible, because I haven't been able to access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX said I owe them {$410.00} and {$400.00}. I do not recognize this accounts. XXXX has two collections on my accounts.

I am requesting that you provide verification of this two collections you have on my account.

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 


Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 


Whether this debt is within the statute of limitations and how that was determined. 

Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 


XXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2017-04-05
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My loan was issued almost 10 years ago now ; and at it 's start, I chose a payment plan that paid the principal and interest off in 10 years. 9 years later, making all my payments, the principal has barely gone down! My monthly payment is quite large and gretaly impacts my family 's budget. Right now, it appears I could be paying for my education for the rest of my life. Recently, I asked ( income based plan/forebearance ) because I am currently unemployed, I was given a short forebearance but have since received threatening letters about payments. Since that time, my father ( cosigner ) applied for credit and was informed that his FICO score had been negatively effected by the forebearance, an implication that was never explained to me by the Navient representative. I called two weeks ago and asked how much money I needed to pay to make the * 3 times daily* phone calls stop. The rep gave me an amount and I paid it in full over the phone at that time. Now, two weeks later, Navient sent my father a threatening letter demanding more money. I will be paying that amount today because I do not wish to harm mine or my father 's credit any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Transunion verified the XXXX XXXX XXXX account was reporting XXXX0 Days Delinquent in XXXX. However, I have a letter from XXXX XXXX Bank that the delinquency was removed. I have attached a screen shot of the reporting status and a letter from XXXX 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 explanation
Consumer complaint received 2021-05-14
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, my ex-husband purchased a money order from XXXX XXXX XXXX located on XXXX, AL from XXXX XXXX ( teller ) for alimony owed to me in the amount of {$550.00}. I deposited this money order on XX/XX/2021 at the XXXX, AL branch of PNC bank. PNC bank took this out of my account because they say the money order was cashed on XX/XX/2021 and it is MY FAULT FOR " FAILING TO SECURE THE LIVE ITEM TO PREVENT IT FROM BEING TRANSACTED AGAIN ''. WHAT THE XXXX? WHY IS IT MY JOB TO SECURE A MONEY ORDER 3 DAYS AFTER I DEPOSIT IT INTO MY ACCOUNT IN THE DRIVE THROUGH? You can not go in because of covid. This has to be examined futhur. This is ridiculous. My ex is in contempt for alimony for this. My account is {$120.00} in the red because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Rent Recovery Solutions
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt was put on my account on XXXX. I have looked this up in the amount of XXXX I live in XXXX XXXX XXXX XXXXo there is no way I can be at two places at once. 
this debt is from rent recovery on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: TX
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:
These items have been hurting my score significantly and I need them removed asap. These negatives items are stopping me from getting a house for my family. It's been far too long and nobody has helped me yet. Please get all of these items removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under 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, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous 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 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a 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. 

XXXX XXXX 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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 find it unacceptable that there are public records on my credit report.

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 2023-01-02
Company: Ocwen Financial Corporation
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:
In Accordance with the fair reporting act, this creditor Has violated my Rights under 15 u.s.c 1681 section 602, states I have the right to privacy 15 usc 1681 604 A section 2. states a consumer reporting agency can not furnish a account without my written instructions15 usc 1666b states A creditor may not treat a payment on a credit card account, under A open end consumer credit plan as late under any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
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: Information belongs to someone else

Complaint:
I have reached out to the following credit bureaus : Equifax XXXX XXXX XXXX XXXX Georgia XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX Equifax XXXX XXXX XXXX XXXX Georgia XXXX in regards to their incorrect reporting with the following accounts 1. The following account is not mine. 
US DEPT ED Account number : XXXX Please remove it from my credit 2. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report 5. The following account is not mine XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Please remove it from my credit report 6. The following account is not mine XXXX XXXX  Bankruptcy Reference Numbers XXXX XXXX XXXX I have asked them to remove them from my report and sent them a demand to remove in addition to the original request to remove these items. It has been over 30 days and they have not handled my updated report. I ask that you enforce the law and have them remove these from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was trying to file a dispute online on experian.com and adding a consumer statement but each time it prompted me to call their customer service department. When I called in I wanted to speak with a representative but the person told me to go to experian.com/upload to upload docs to verify my identity ; before they could speak to me or address any issues. 
When I went online and upload the doc in the said format, It did not process the upload even on trying multiple times. There was a follow-up link that told me to fill a form and mail it. When I click the link it again said that my request/form could not be processed but gave me a mailing address. Now, I don't know if I send the docs to the mailing address without the form, whether they will process the info or not. If so, how long should it take them to verify id at their end. When Experian is collecting and reporting my data seamlessly, It has a responsibility to easily allow me to access the data, provide consumer statements and dispute accounts that are paid.

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 2023-03-12
Company: SYNCHRONY FINANCIAL
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-02-19
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XXXX 2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was harassed every single day of the week in XXXX-XXXX  of 2021. This company constantly called me, left me messages, and pushed me to pay off a debt I was/am unable to pay. The debt collector is CRME Financial Services and the amount owed is {$840.00}. I was XXXX during the duration of COVID-19 and had/have no sources of income whatsoever to support paying off this debt. I also had to relocate/move my home due to COVID-19. I lost a lot over this last year and being harassed was not fair to me whatsoever. I disputed the account through XXXX XXXX and XXXX, stating it was a HIPAA violation, and nothing was resolved. I could really use some help with this. I am just doing my best to get back on my feet. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: MS
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 Sent my letter off on XX/XX/2023. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. 

According to the FRCA term investgative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. Please remove these items from my credit report immediately Accounts : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The complaint is about the Citibank ( Citibank N.A. XXXX # XXXX, XXXX XXXX XXXX, XXXX, NY XXXX ) my account number XXXX. The bank closed my checking and savings account without my knowledge when the balance was {$17000.00}. The check was sent to somebody in the amount of {$15000.00} who apparently have cashed the check. Even the remaining {$2000.00} are not accessable as I was told the account is already closed. 

My address is XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Social Security : 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 2023-11-16
Company: EQUIFAX, INC.
State: NC
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: GA
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 am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
EQUIFAX CONTINUES TO SHOW THIS ACCOUNT AS " PAYS AS AGREED '' WHEN IT WAS CLOSED XXXX XXXX. IT ALSO CONTINUES TO SHOW THE INCORRECT PAY OFF DATE OF XX/XX/XXXX WHEN THE ACCOUNT WAS PAID OFF & CLOSED BY ME IN XXXX XXXX. ENOUGH OF THIS GAME PLAYING. THE FCRA LAW IS CLEAR IN WHAT NEEDS TO HAPPEN NEXT TO RESOLVE THIS SAME DISPUTE I'VE FILED NUMEROUS TIMES OVER THE PAST YEAR. EACH TIME I DO THE IDIOTS AT EQUIFAX SWEAR THEY FIXED IT, CLAIM THEY VERIFIED IT WITH THE CREDITOR WHICH IS A LIE, THEN SEND ME THEIR REPORT THAT NO CREDITOR 'S SEE WITH THE CORRECT INFO ON IT, OR SEND ME A LETTER DEMANDING ID & THAT I VERIFY MYSELF WHEN I'VE ALREADY DONE SO ON THE CFPB SITE PER THE REQUIREMENTS, THEN WHEN I RUN MY MONTHLY REPORT IT CONTINUES TO SHOW THE WRONG DATES & REFLECT THE ACCOUNT AS OPEN WHEN IT'S NOT! THAT IN TURN HAS LOWERED MY SCORE TO XXXX WITH THIS BUREAU WHO SHOWS ALL OF MY CLOSED, PAID OFF ACCOUNTS AS " PAYS AS AGREED '' & THE WRONG MONTH & YEAR THEY WERE PAID OFF. THIS IS A CONTINUOUS PROBLEM WITH THIS INCOMPETENT BUREAU. THE WORST OF THE 3 FOR SURE!

Company response to consumer: Closed with non-monetary relief