BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: MD
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:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue I have with Equifax violating my rights and the laws according to but not limited to 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT. I have encountered with 2 accounts reporting information incorrectly on my credit report to include Department of EducationXXXX and XXXX XXXX XXXX on Equifax. Specifically, I have noticed that my credit report indicates that I was 60 days, 90 days, and 120 days late. However, there are no prior 90, 60, or 30-day late payments, which indicates that this information is inaccurate. 

I am concerned about the impact that this inaccurate information may have on my credit score and my ability to obtain credit in the future. As you may be aware, federal law requires that credit reporting agencies report only accurate information about consumers, and that they must investigate any disputes regarding inaccurate information. 

I am therefore requesting that you reinvestigate this matter and take appropriate action to ensure that the Department of Education and XXXX on Equifax comply with federal law and delete any incorrect information from my credit report. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: GA
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 hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, 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 mailed identity theft report with all the accounts that are not suppose to be on my credit report on XXXX XXXX I sent an affidavit, copy of identification copy of social security card and a bill to verify my address to Equifax, XXXX  and XXXX. They said they couldnt remove any of these accounts. According to 15 usc 1681 any incorrect information should be removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Paramount recovery Systems I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
A company called XXXX XXXX called me and said they could forgive my student loans if I signed up with their service. I did and I started paying them and all of a sudden i start getting letters from Navient saying they are my loan servicer. I do not know how my federal student loans got transferred to navient without my knowledge. I did not get any notice or sign any authorization to transfer my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian denied me any disputes on my unauthorized inquires and double or triple inquires the said I had to call the creditor their job is to report what any creditor regardless of any original source they will still report and not let people dispute innacurate inquires

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 2019-06-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello, I went to XXXX XXXX XXXX out of the XXXX XXXX Airport in California. I have been paying since XX/XX/XXXX the amount was {$70000.00} now in XXXX I have never missed a payment and the amount is {$67000.00}. I really want lower payments and a fixed interest rate. I'm willing to pay but can not afford {$500.00} + monthly payments. 

I believed I was signing up for a government loan through sallie mea. Turns out it was not what what described to me. Navient is the new loan holder and I have tried many many times to get better repayment or forgiveness. I was promised a job out of the school but never got it and I had to start working ( not in field for the schooling ) just to afford the monthly payments. Even the rate reduction plans are {$500.00} + and Navient wont listen or assist me. I feel trapped and wronged. 

Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 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 non-monetary relief
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
State: OR
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 having difficulties with buying a house and applying for new credit cards. I paid the collection XXXX XXXX Reported : XXXX. XXXX, 2019 and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting to remove this collection from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I requested a copy of my forbearance exit document on XX/XX/XXXX. They claim it was sent on XX/XX/XXXX but my bank did not receive the document. When I called on XX/XX/XXXX they first claimed it was sent to the wrong number. After being transferred to someone else to expedite a copy being resent, the agent then gave a conflicting story saying the report was originally sent correctly. I was given the run around and had to request the documentation to be resent.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Account opened fraudulently Accounts denied because of Fraudulent account Overdrafts fee for no balance Overdraft fee for card usage

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 2023-01-23
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiry I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XX/XX/2022

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 2019-11-27
Company: Southwest Credit Systems, L.P.
State: GA
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:
Dear CFPB I was notified on XX/XX/25 via an alert on my XXXX that a new collection was added to my credit bureaus. I have no knowledge of this account and possibly is a part of my identity theft. My name and credit information has been used with opening of accounts that I have no idea of. 

I am asking that you please step in to assist with the removal of this erroneous information and they delete this negative tradeline immediately. It is listed on XXXX, XXXX  and XXXX. My credit is important to me. I have attached a letter. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
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:
I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to XXXX XXXX XXXX - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: BARCLAYS BANK DELAWARE
State: CA
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 have account with XXXX XXXX ( XXXX XXXX ). I disputed a few unrecognized charges ( unauthorized charges ) but unsuccessful. They put back {$450.00} on XX/XX/XXXX and closed my account without give back {$490.00} annual fee. They charged {$490.00} annual fee to use their card for the whole year which is very high. I would close my account with them after this year anyway. It's only XX/XX/XXXX now and they refuse to give partial fee back. Please help to resolve these issues Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Multi attempts to summit PEERS which get rejected for one reason or another. Since switching over for teacher forgiveness, I have not idea how many qualifying payments I have made. I consolidated my loans in XXXX of 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, 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:
Dear, I do not recognize these inquires in my credit report profile. I am identity theft victim so please remove all these wrong items from my profile. I do not have contracts with these companies and did not agree to anything. 
I am sure that mistakes happen on peoples credit reports, and I am quite certain this is a big mistake. I kindly ask you to check and delete forever these incorrect items from my credit report. This wrong information badly effecting my life planning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our property taxes have STILL not been paid out by our escrow despite a previous complaint that I filed in XX/XX/XXXX. They took money out of our account and paid to the wrong tax parcel ID. I spoke to them about this over the phone and they told me on Monday that it was fixed however we still have a pending bill with our county showing we still owe. I need this rectified as soon as possible as taxes are due 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 explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2020 I went into XXXX to purchase a phone. During the encounter I felt uneasy about the sales agent and because he was pushy and not really answering my questions and concerns I decided after 9 days that I would return the phone. I was told that I had 14 days to return the phone and I may be charged a {$50.00} restock fee. I returned the phone and was given a refund. The representative that took the phone did not scan the phone in from what Ive been told multiple times. Due to him not scanning the phone the balance was never XXXX put resulting in a false balance showing on my credit for {$780.00} dollars. I have had my credit ruined because of it. Ive been denied home loans and personal loans because of it. I have recorded calls of me speaking to XXXX representatives confirming the error is on them. My information has been sent to a debt collector who has bullied and harassed me despite telling them I dont owe XXXX XXXX I have been denied a contract phone due to this debt as well. My credit went from XXXX late payments to this reporting monthly as late and delinquent. The phone has been resold and I received a refund for what I paid in store. Despite sending this information to the credit bureaus they keep reporting this debt as verified. XXXX has confirmed the phone was resold and I have the tracking number but Im continuing to be punished and my personal and business name tarnished due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: AZ
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 resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX  XXXX Balance : {$0.00} ; 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 alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Shellpoint Partners, LLC
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: Account status incorrect

Complaint:
I requested NewRez to update my credit report with the payments on my mortgage. They sent me a letter stating that it will start reporting in the Month of XX/XX/2020. It is currently XX/XX/2020. They still have not reported my payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Seattle Service Bureau, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to complain about the debt collection practices of the National Service Bureau. On XX/XX/ at approximately XXXXXXXX XXXX, a representative from the National Service Bureau called my father, who is XXXX XXXX XXXX, and told him that they were from XXXX XXXX XXXX and that I would have my driver 's license suspended if I did not pay a debt of {$3200.00} for a car accident I was involved in, in XX/XX/XXXX XXXX 
I have already told the National Service Bureau I am not responsible for this debt. I had a car accident in Florida in XXXX of XXXX, where there was slight damage to another driver 's car. The other driver made a claim for an outrageous sum of more than {$3200.00}, which I did not agree to or consent to. I assume that they had additional unrelated work done to their car, which could be the only explanation for this. I was found not to be at fault for the accident by the state of Florida, and the case was dismissed on XX/XX/ case # XXXX, XXXX However, the National Service Bureau continued to harass me and threaten me. 
I believe that the National Service Bureau has violated the Fair Debt Collection Practices Act ( FDCPA ) in the following ways : They impersonated a representative of XXXX XXXX XXXX. 
They contacted my father, a third party, about the debt without my permission. 
Disclosing a consumer 's debt to third parties without their permission is a major violation. 
They threatened to take actions they could not legally take, such as suspending my driver 's license. 
They are now Harassing and threatening myself and my father They are making false or misleading statements They continued to harass me and threaten me, even after I told them I was not responsible for the d ebt and that the claim was unjust. 
I am requesting that the Consumer Financial Protection Bureau investigate the National Service Bureau for violations of the FDCPA. I am also requesting that the Consumer Financial Protection Bureau order the National Service Bureau to cease and desist from harassing and threatening me and throwing away this outrageous and baseless claim against me. 
National Service Bureau Case # XXXXXXXX XXXX XXXX XXXX Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have sent multiple letters to this company trying to verify an alleged debt. They have failed to respond to me in all attempts. They are reporting debt on my credit that I have no knowledge of. This is why I'm trying to verify this debt with the company.

Company response to consumer: Closed with explanation