BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: Resurgent Capital Services L.P.
State: AR
Product: Credit reporting, credit repair services, 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:
As of XXXX received information that LVNV Funding LLC is reporting inaccurate information on my XXXX credit report ( s )! 
Showing an open account in the amount of {$640.00} on XXXX Didnt open a new account on this date & the reporting information is incorrect & LVNV Funding LLC needs to correct/delete inaccurate information from my credit report ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, i was notified on this site that LVNV uploaded a statement that did not verify the debt they insinuated that I owed. I have called their company and submitted letters in writing demanding the contract I in fact had with their institution and as of today, have not had any proof stating the contract they have for me and the {$800.00} amount Per 31 U.S. Code 3123 ( b ), 50 U.S. Code 4331, Public Law 73-10/HJR192 of 1933, 18 U.S. Code 1341 use of mail, along with 45 CFR 30.2.

In closing I am holding LVNV accountable of not providing your organization proof of said debt with my wet signature and NO collection agency shall assume a debt on my behalf without proving and providing said wet signature contracts. And even still knowing they have no wet signature contract with MY information, under 15 U.S. Code 1681 ( b ), and lastly, 15 U.S. Code 1611

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Credit Reporting companies Experian XXXX  and XXXX  all refuse to remove fraudulent Id theft accounts XXXX  & XXXX  VISA/XXXX/XXXX  from my credit reports even though they are unable to verify correct information that link accounts to me. 
There is a lot of missing information that they can not provide like original creditor name and or past due amounts. I have submitted police reports, FTC ID theft reports and have requested these accounts be blocked due to Fraud but each company outright and willfully refuses to comply the the law and leaves these inaccurate accounts and inquiries on my reports which adversely negatively affect my life

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: IL
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 filed a dispute against an account on my consumer report. The consumer reporting agency responds that the account was verified. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Pursuant 15 USC 1681a ( e ) : The term investigative 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
If you verified this debt, I would like to know who did you speak with? Who did you interview along with their names and addresses? Name of neighbors and/or friends you spoke with? Please provide all factual and detailed descriptions with this exact information. The consumer reporting agency failed to comply with this request and continues reporting inaccurate information. 

Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a full credit report analysis from XXXX and noticed accounts that were supposed to be removed months ago, along with a new one from XXXX. The accounts listed, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not mine and appear to be related to identity theft. I kindly request the immediate removal of these fraudulent accounts from 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 2022-12-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
i have an incorrect report on my credit bureau reports. XXXX XXXX XXXX is reporting a balance of {$5700.00} on a car that was charged off. I settled this with XXXX in XXXX XXXX  and it should be showing a {$0.00} balance. also as part of the settlement the account was supposed to be removed from my report. PLEASE help. this is frustrating as i have contacted XXXX ( the original creditor ) and the bureaus and no one will help me. I have submitted documents supporting this and they don't even look at them or take them into account. This is a blatant violation of the fair credit reporting act. PLEASE 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 explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Credit Reporting companies XXXX  Equifax and XXXX  all refuse to remove fraudulent Id theft accounts XXXX  & XXXX  VISA/XXXX/XXXX  from my credit reports even though they are unable to verify correct information that link accounts to me. 
There is a lot of missing information that they can not provide like original creditor name and or past due amounts. I have submitted police reports, FTC ID theft reports and have requested these accounts be blocked due to Fraud but each company outright and willfully refuses to comply the the law and leaves these inaccurate accounts and inquiries on my reports which adversely negatively affect my life

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: OH
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:
Equifax has been the only consumer reporting agency that has been difficult to file a dispute online. The only link provided after viewing your report is broken or doesnt load. This should be fast and effortless. The other XXXX agencies made it very easy with an excellent user interface and clear instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Lately I've been noticing that my credit score have been getting heavily impacted in a negative way, so I requested a report to see what is exact hammering my score, I then noticed that there were a number of accounts that I was not aware of and simply not mine. I then contacted the 3 CRA in attempt to verify and resolve these matters notifying them the law says they have 30 days to respond, how ever I've gotten no response. I've reached out to them in XXXX and they sent me back a copy of my credit report, ignoring my claims ... Ive requested the CRA to please send me a copy of the original contract bearing my signature on XX/XX/2022 and the names and addresses of the original creditor, I got no response... I then sent a letter notifying them that I was going to file a complaint. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Experian Information Solutions 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:
EXPERIAN, XXXX  AND EXPERIAN HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE INACCURATE/NOT MINE FRAUD. 

XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, XXXX XXXX-NOT MINE, XXXX XXXX  XXXX XXXX XXXX-NOT MINE, XXXX XXXX XXXX-NOT MINE, ADDRESSES : XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX-NOT MINE, XXXX  XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX  XXXX  XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE, ACCOUNTS : XXXX XXXX XXXX S-XXXX-NOT MINE, XXXX XXXX  XXXX-XXXX  -NOT MINE, XXXX XXXX  XXXX   XXXX-XXXX  -NOT MINE, XXXX XXXX XXXX XXXX  XXXX-XXXX-NOT MINE, XXXX  XXXX  XXXX-XXXX-NOT MINE, XXXX  XXXX   XXXX-XXXX-NOT MINE, XXXX  XXXX XXXX-XXXX-NOT MINE, XXXX XXXX/XXXX  XXXX-XXXX-NOT MINE, XXXX/XXXX-XXXX-NOT MINE, XXXX  XXXX-XXXX-NOT MINE, XXXX XXXX-XXXX-NOT MINE, XXXX/XXXX   XXXX-XXXX-NOT MINE,

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 2021-03-08
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a derogatory mark on all my three credit report stating this account got sent to collections. However, I do not have no knowledge of this debt and, that it does not belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. ENHANCED RECOVERY COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18
Company: McCarthy, Burgess & Wolff, 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: Their investigation did not fix an error on your report

Complaint:
I settled a debt with a collection agency representing XXXX on XX/XX/2021. Attached is the entry from my credit card provider for the settled amount. 

I have made two requests with XXXX  to correct my credit report ( also attached ) and both times they have settled the dispute stating the item is accurate. 

I just want my credit report to report correctly and it's apparent that XXXX has yet to take my dispute seriously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: FIRST HERITAGE CREDIT LLC
State: MS
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: IL
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:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-20
Company: Experian Information Solutions 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 HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS UNFAIR TO ME BECAUSE I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH ACTIONS AND MY CREDIT HAS BEEN LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. I KNOW FOR A FACT THAT THE NEGATIVE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.

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 2023-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
A couple of weeks ago I received a personalized checks from Merrill Lynch. I was puzzled as I never had any dealing with XXXX  XXXX XXXX, so I decided to visit one of their branches in DC close to my work to inquire about the account details. There I was directed to speak to a XXXX  XXXX  Advisor, XXXX XXXX XXXX who informed that XXXX accounts had been opened on my name, one in Florida and another one in Mississippi in the month of XXXX. I inquired about how the accounts were opened, and what kind of information the person who opened the accounts had provided to them to make it possible to open the accounts. He then proceeded to contact the central office and got in touch with someone who informed him that they have had a surge of fraudulent online account openings recently, and they had already closed the accounts. When I asked about the ID presented to open the accounts, they informed me that because the accounts were opened online, they did not required IDs. This I know is a clear violation of the XXXX XXXX XXXX XXXX XXXX ) rules and regulations. Even if the account were opened online, they should have requested appropriate identification before proceeding with the openings. I was told that they were going to take the necessary measures to clarify the situation, and they were going to contact me later with updates. XXXX weeks later, I never received any communication from them. Just yesterday I received a debit card associated with that account, and today I got an email notifying me that I have been enrolled in mobile banking. I strongly believe that XXXX  XXXX XXXX should comply with the XXXX regulations before allowing fraudsters to easily open accounts, and take over the identity of hard-working consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am the executor of my brothers estate. He passed away in XXXX on XX/XX/23. There was a large amount of money withdrawn from his checking account from XX/XX/23 to XX/XX/23, which cleared out his account. He is single and no one elses name was on the account. When the US Embassy returned his belongings his card was in the wallet. 
I filed a fraud claim with Santander Bank on behalf of the estate, and received denials from the bank dated XX/XX/23. The bank is stating it is not their fault if someone used his card and PIN number after his death. The bank had been notified he was deceased, however, I was informed they could not place a hold on it until they had a death certificate. I did not receive the death certificates from the US Embassy for over a month due to the fact they had to be translated by the Embassy. I believe the bank should be responsible for the XXXX taken after his death on XX/XX/23 since no on else was on his account and the money was taken fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, INC.
State: CT
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 received an alert about a hard and soft credit inquiry placed on all my credit reports on XX/XX/21 by XXXX XXXX XXXX, XXXX XXXX, XXXX, DE. XXXX. ( XXXX ) XXXX. I called all 3 credit reporting companies and was told to call XXXX, I called XXXX and they stated they could find no applications or accounts. The credit reporting agencies are telling me now I have to file a complaint with the FTC and you. they are refusing to remove the Hard inquiry which will effect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Months ago I spoke with someone on the phone to take our loans to standard level so there would be some hope of every getting them paid off. I was told it was done. 

The loans returned to repayment and it was still the reduced amount. 

I applied for Standard Level multiple times and today, XX/XX/26, I get a message they put it in forebearance. 

I've tried to call multiple times and been on hold for hours. I also tried to send them a message, but the site only loops you back to a FAQ. I saw something about XXXX and went there but they turned off the comments. 

How can I resolve something that has no means of resolving?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation