BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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 explanation
Consumer complaint received 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
For over the past few years I have constantly asked for your institution to actually due their grave responsibility and investigate accounts on my consumer report. Numerous times all the mail that is sent back to me states items verified, without providing me your method of verification or who you spoke with to verify information. Pursuant to 15 usc 1681 ( a ) ( 1 ) The banking system is dependent upon consumer reports being fair, and accurate. After overviewing my consumer report I realized that my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified during your companies ' initial investigation that you were going to report this information. Pursuant to 15 usc 1681 ( a ) ( 4 ) - you did not ensure that this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. Your company never did an initial investigation, nor a reinvestigation when I asked for your to check my consumer report for inaccuracies. I asked for reinvestigation into inquiries listed on my consumer report. You responded that the information listed was accurate and will remain listed for two years. I know for a fact that you did not investigate, reinvestigate the inquiries, or the alleged debt accounts furnished on my consumer report. I filed several complaints thru CFPB portal along with attaching valid proof from furnishers of info on consumer report that states they asked your company to remove them from reporting and yet it is still listed. This is a violation of FDCPA, FCRA along with breach of my privacy of personal information. Not only have you damaged my credit worthiness, but have caused me severe XXXX and XXXX XXXX Enclosed I will attach copies of items that you listed on my consumer report that were never investigated, ( XXXX XXXX, XXXX XXXX XXXX ) which is another federal violation amongst many others. Attached will also be a invoice for Federally Protected Consumer Rights Violation under 15 USC 1681 that your company XXXX violated

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 2023-03-30
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:
besides stating actual law and regulations the problems and incorrect information is still appearing on my credit reports, feels like and also appears that my complaint was essentially been ignored, inaccurate on my credit report is very harmful to me personally and financially.the credit bureaus just report anything that they choose to report despite and without regard. i have pointed out how my right to privacy has been violated, my accounts do not state that the accounts and information is being disputed ... 15 u.s.c 1681 ( a ) 2 ( a ) the information excluded from consumer reports Sub Section B paragraph 3 the term consumer report does not include, 1. a report containing information solely as to transactions or experiences the consumer 'myself ' and the person 'company ' making the report, 15 u.s.c 1681. no credit reporting agency shall furnish any information in a consumer report if they have knowledge or reasonable suspicion that the information is incomplete or is inaccurate, the account XXXX  states that the status of that account was discharged in XXXX XXXX date account opened according to credit report is XX/XX/XXXX status updated is XX/XX/XXXX??? seriously, whats even more disturbing is the collections account from XXXX XXXX XXXX is from XXXX it states date opened XX/XX/XXXX and balance updated XX/XX/XXXX, XXXX both these accounts are 1 in the same so why is XXXX XXXX illegally parked on the credit report. and why are the credit bureaus allowing that? all names besides the 1 i have provided and addresses older then 7 years old, also the name XXXX XXXX XXXX is in my personal information PLEASE REMOVE!!!!!!!! i will if these matters are not addressed will be hiring counsel PLEASE DO NOT FURNISH OR PROVIDE ANY INFORMATION THAT IS INACCURATE,!!!! if you guys would conduct an actual investigation you will see the errors.. thank you.. hopefully this will be the end of this fiasco..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Navient Solutions, LLC.
State: CT
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:
A student loan was taken out in XXXX with me assigned as Guarantor without my permission. Per my research, it was discharged in XXXX. In XXXX, far beyond the statute of limitations, Navient assigned the loan to my name and social security number and threatened and harassed me several times a day that they would damage my credit- which they did. All of the while, never contacting me about the massive class action lawsuit they were in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
I filed my initial claim with AMEX on XX/XX/XXXX for {$840.00} and {$520.00} due to the ATM not dispensing cash. I waited over a month for the case to be investigated. During that time I didn't receive any provisional credit on my account, which is standard PRACTICE at every financial institution. I received correspondence from AMEX on XX/XX/XXXX that stated my claim was denied. In the letter, nothing was specified as to what documents were used in the investigation. ATM transcripts are unreliable and frankly speculatory, but I haven't even received that. ATMs malfunction, therefore more needs to be done to thoroughly investigate. To date, I haven't received any documentation that supports their findings. Moreover, I called to inquire about why my claim was denied and I was told I have to contact the ATM 's bank to receive a refund. That is factually incorrect ( go listen to that call like you did my previous one and educate your representatives on the proper procedure for this issue ). I've been with this bank for 3 years, make my payments on time, and keep my account current. Yet, I am being completely disregarded- and I am receiving substandard customer service. This is downright incompetency and carelessness. I will be reaching out to the news channel as well as the Federal Trade Commission regarding this issue if it isn't resolved. I have waited so long, without my money, and AMEX refuses to return it. Absolutely reprehensible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Navient Solutions, LLC.
State: NV
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:
Navient sent false information on XX/XX/XXXX, regarding a notice to re-certify ( XXXX  ) plan. In which they stated that a payment is due next month by XX/XX/XXXX. However, the email was a reminder notice to re-certify the ( XXXX ) plan by the end of the month. The federal student loan forgiveness program under Biden 's plan has made it clear that a payment pause has been suspended ( from XX/XX/XXXX, through XXXX XXXX, XXXX ). The federal payment pause is officially scheduled to end and will resume on XX/XX/XXXX. 

XX/XX/XXXX student loan servicers should begin reaching out to borrowers with remaining loan balances to remind them that their payments will be restarting in XXXX. 

Navient practices are predatory and are not compliant under Biden administrations program. I'm asking for Navient to cease all predatory practices and comply with the deadlines. Because of this violation I'm asking for an extension on the ( XXXX ) plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: NC
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 explanation
Consumer complaint received 2022-10-31
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
This organization is in violation of 15 USC 1692 Subchapter V. 

Repeatedly request that organization to remove this alleged debt from my credit report. I the consumer can not be denied an extension of my own credit. 

This organization is in violation of Furnishing certain deceptive forms. 

15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

The false representation or implication that documents are legal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian, XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The loan servicing company, XXXX, sent documents saying that the amount due as of XX/XX/XXXX, I owed over {$180000.00} dollars and the loan was being transferred to another servicing company, Rushmore Loan Servicing. My initial purchase was for {$150000.00} in XX/XX/XXXX and I paid the mortgage timely until I needed help in XXXX, when I was unemployed and went to HUD for help. My amount due should not have went UP {$30000.00}, when I had been paying on the loan for nearly 6 years before my unemployment event. I believe I'm being taken advantage of and it has been laundered through XXXX and now Rushmore. I'm asking for an audit of how the amount due jumped {$30000.00} from my original loan amount, in spite of the fact that I was paying over {$1500.00} per month on a fixed rate mortgage for the first nearly 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have several fraudulent unauthorized inquiries that are listed on my credit report. I have requested these be deleted by contacting XXXX, XXXX and Experian and they still are being reported. There is no permissible purpose for these inquiries and my privacy has been violated by allowing these companies access to my credit. 
The following inquiries are fraudulent : 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 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 2023-03-30
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX I called my credit card and had XXXX XXXX taken off as an authorized user. On XX/XX/XXXX I received a letter in my inbox on my credit card that stated the authorize user has been removed. To clarify that I emailed them and ask them to add his name to the letter saying that he is no longer an authorized user. On XXXX XXXX it was reported to the credit bureau that he was still an authorized user so I called the credit company and ask them why they put him in as an authorized user because now his credit score dropped, and his debt to ratio went up. Hes trying to buy a house and now because of them reporting this to the credit bureau after I had asked them to remove him he hast to wait to get a mortgage for to refinance his house. I have documentation to prove this and I would like it removed immediately from his credit report. The credit card is a XXXXXXXX XXXX XXXX by XXXX XXXX 
When I called to dispute it with the credit card company, they were like oh well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Lady called and got me to verify my information by telling me the phone call was about a credit attached to my XXXX account. After verifying my XXXX she let me know it was actually to settle a debt. This was on speakerphone with my partner being able to hear. We are already having issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: GA
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: EQUIFAX, 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: Account information incorrect

Complaint:
There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the XXXX Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-08-02
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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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