BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-05
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: Old information reappears or never goes away

Complaint:
In XX/XX/2017 when making electronic payments ( as I always do and have ) somehow it did not go through for that month, I continued to make payments following months unaware that XX/XX/XXXX 's payment was missed as soon as I realized I made the payment in full to catch up. I have been a long time customer, would appreciate if you would remove this asap as I'm going to be purchasing a car ... this is the only item lowering my FICO scores and it's from couple years ago. 

My bank understands this but say they are unable to correct this issue directly with Experian Burial as they don't correct information online. Why would that be? All I see is Experian soliciting to get new credit cards and other advertisements on their site that appear to be misleading to the consumer. Other to major Burial show much higher FICO scores, I don't see any reason for my credit to be this low?

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 2023-01-26
Company: NRA Group, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
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: Investigation took more than 30 days

Complaint:
Incorrect information on payments made in XX/XX/2021. Payments were made before XXXX  days late and information doesnt match on all XXXX bureaus. Creditor removed/deleted entire account from transunion due to continuous incorrect information but did not do the same for the other bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : On XX/XX/2020, XX/XX/2020, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

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 2019-04-05
Company: Experian Information Solutions Inc.
State: KS
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:
About a month ago, I disputed all of my Direct Loans with the Dept. of Education with all 3 credit bureaus, citing that they are too old to be on my credit report. After investigation was completed, I was told that the information was correct and would stay on my credit report until XX/XX/XXXX because last payment on loan was reported as XX/XX/XXXX. 
This is NOT correct. I believe someone is reporting false information just to keep this on my credit report longer. 
My Direct Loans originated from XX/XX/XXXX - XX/XX/XXXX. I graduated in XX/XX/XXXX. I made some payments while I was in school but I don't believe I paid on them after that. Maybe XX/XX/XXXX of XX/XX/XXXX because that was the last month that I got my G.I. Bill paid to me. But NOT XX/XX/XXXX. 

I just found a copy of my XX/XX/XXXX tax return and it shows {$0.00} claimed for student loan interest because I didn't make any payments in XX/XX/XXXX and that proves it. Even if I only paid {$10.00} in interest I would have claimed that because my income was so low. 
I remember claiming student loan interest in a previous year but I can't go back further than XX/XX/XXXX with IRS tax returns to see which year that was. 
All of my loans listed on nslds.ed.gov show {$0.00} for Cumulative Amount Paid. If they are going by the date they went into repayment status, ( XX/XX/XXXX ) that would be correct. I didn't pay on them after graduating. I also sent a Screen Shot of all my loans to Experian showing Cumulative Amount Paid {$0.00} which would make the Date Of First Delinquency XX/XX/XXXX. The loans should have been removed in XX/XX/XXXX. of XX/XX/XXXX from all credit reports but none of the credit bureaus will remove them. They like to pick and choose the bits of information that will keep it on your credit report longer and disregard everything else. Plus there are different dates reported as to when the last payment was received and when accounts were closed. How can the same entity report different dates if they have the paperwork right there in front of them? Plus Dept. of Ed shows different payment histories for all 3 credit bureaus. Experian shows Failed to Pay from XX/XX/XXXX and nothing before that. 
XXXX  shows date of last payment was XX/XX/XXXX and then red X 's for everything else. 
XXXX shows red X 's for XX/XX/XXXX forward. Nothing before that. Mainly they want to show what I didn't pay and incorrectly reported when I DID pay to keep it on my credit report longer. I know I messed up but I have paid my dues. They are wrongfully keeping this on my credit report longer than legally allowed. This is stopping me from getting loans for other things I need and they are ruining my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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:
XXXX, XXXX has flagged me as a deliquent payer for supposedly an unpaid debt of {$1100.00} with XXXX XXXX XXXX. This case was filed XX/XX/2021. No one from XXXX, XXXX has ever contacted me about this debt. I never had an account with XXXX XXXX XXXX in my lifetime. I have been dealing with debt collection agencies regarding unpaid debt of identical amount like it's just being passed around. I have reported awhile back to all 3 credit reporting agencies that I suspected that my identity was stolen. I've contacted Experian about this to contest this report that has a negative impact on my credit rating.This report is fraudulent and is hurting my credit rating. My credit score used to be above XXXX before all this identity theft has happened. I have excellent payment history and is being ruined by scams like this.I need help this correct this. I have attached a copy of a previous complaint I filed with an identical amount trying to be collected from me

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft

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 2018-09-02
Company: Resurgent Capital Services L.P.
State: TN
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:
After repeated communications with Resurgent Capital Services and XXXX XXXX XXXX that this is a fraudulent debit, they continue to try to collect on the debit. 

Please note that Resurgent Capital Services and XXXX XXXX XXXX have not provided an executed contract between the debtor and myself only an " ACCOUNT SUMMARY REPORT '' which could easily be developed without an executed agreement. Based on the ACCOUNT SUMMARY REPORT, the origination date with original creditor was XX/XX/XXXX, and the last payment was XX/XX/XXXX. At this point in time this matter is not within the Statue of Limitations. 

Please consider this a matter similar to XXXX XXXX and fine Resurgent Capital Services and XXXX XXXX XXXX XXXX XXXX ( XXXX ) dollars to stop there practice of extortion, harassment and violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: WELLS FARGO & COMPANY
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : WELLS FARGO CARD SER 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: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Approximately 25 to 30 years ago, I opened an account with Wells Fargo to create a trust account. The Trust office was in XXXX, NJ. I closed the account at least 10 years ago. 

However, Wells Fargo keeps contacting me by email asking me to update my information. 

I do not think that I have an account with them They had a scandal many years ago where they created extra accounts for customers. I think they created more accounts for me that I do not know about. 

I have called their 800 number twice and they are unable to resolve the situation. I called the local Wells Fargo Bank, and they do not see my info in their computer. 

However, they keep sending me emails asking for information. 

I can not get them to stop sending me emails. 

It is clear that they have an active account for me that I do not know about. I would like the account closed, and to have them stop sending me emails.

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 2021-01-13
Company: EQUIFAX, INC.
State: FL
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 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Nelnet, 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: Account status incorrect

Complaint:
I have 4 open disputes on derogatory reports filed by Firstmark Services/Access XXXX XXXX on my student loans. There is one payment due monthly to Firstmark, the loan servicer, but there are apparently 4 separate accounts. 
I submitted a payment on XX/XX/2023 in my time zone ( PST ) prior to XXXX PST, bringing me less than 60 days past due but was incorrectly reported to the credit reports as 60 days past due on my 4 accounts with them. 
I am a California resident, and on my email payment confirmation, included with this correspondence, there is an asterisk that states ( boldened and underline added ) : * For California Residents, payments received on or before XXXX Pacific on your payment due date will be made effective the date on which the payment is received. 
Therefore, the XX/XX/2023, payment made before XXXX Pacific should have been made effective on XX/XX/2023, and the account was not 60 days past due as reported to the credit bureaus. I request all 4 derogatory marks be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions 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:
I reached out to Experian via mail sent out on XXXX. I followed up with a complaint in the CFPB on XX/XX/XXXX. In my complaint, which will also be attached to this complaint, I asked Experian to open an investigation into account XXXX on XX/XX/XXXX in my complaint I asked them to verify this account because I reached an agreement with XXXX where they agreed back on XX/XX/XXXX we agreed that If I make a lump sum payment, XXXX XXXX  Bank would remove all negative information from my credit file associated with the debt. I kept my end of our agreement and paid the complete {$2400.00} hoping that XXXX XXXX XXXX would do the same. However, I obtained a copy of my Credit report and as of Today XX/XX/XXXX XXXX XXXX XXXX is still reporting negative information regarding this account. According to the FDCPA has a strict list of laws that Debt Collection agencies must follow and XXXX violated the law by misleading me and continuing to report information that they agreed would be removed. To make matters worse I also went to the CFPB regarding the XXXX XXXX account where they neglected to address my complaint. This is a clear factor that XXXX XXXX  not only violated the law by breaking Section 808 ( 1 ) but they also continue to submit information to the Bureau that is INACCURATE and goes against the FDCPA. The Bureaus have a duty to ensure that consumers have a credit report that is 100 % accurate. This is my second Formal complaint to the Bureaus regarding this account. It is against the Law to report information that is knowingly inaccurate. This account should NOT be on my credit report and needs to be deleted IMMEDIATELY. I have also included the copy of my CFPB complaint sent directly to XXXX XXXX regarding this account as means to prove that any and all negative information regarding XXXX  I still appreciate Experian 's swiftness in responding. However the FCRA allows companies 30days for a investigation into an account. We have lost several days for Experian to investigate a account that is legally NOT allowed on my credit report. I expect them to expedite their investigation and remove this account from credit profile!

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 2023-08-06
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX, suffered identity theft with my credit. My credit has suffered tampered inquiries that I did not do. I contacted all 3 credit bureaus, XXXX and XXXX have complied. Equifax did not want to help me. I contacted local law enforcement, I received a police report. I received as well an affidavit of my declaration which was notarized by the state of Florida by a police official as well. I have submitted all my supporting documents to this credit bureau and they are yet to comply. I spoke with Rife, employee ID # XXXX on XX/XX/XXXX at XXXXXXXX XXXX. This supervisor did not want to assist me neither, according to my rights they should be able to submit a dispute to have that removed, and they will not assist. I need my inquiries removed from my account. 

XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXXnquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX best used Inquiry date : XX/XX/XXXX These are the inquiries I need deleted immediately that are Fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On XX/XX/XXXX, Equifax closed my dispute investigation of inaccurate information of a negative account with XXXX XXXX XXXX. Equifax confirmation no. XXXX. I advised Equifax the reported {$24000.00} balance and the XX/XX/XXXX last payment date are inaccurate. My last payment occurred in XXXX which makes this account more than 7 years old now and non-reportable by law. I told Equifax the creditor will not respond to my requests for an itemized statement and payment ledger that reflects all dates payments and transactions starting with a zero running balance as written debt verification under Fair Credit Reporting Act and Ohio Consumer Sales Practices Act, Ohio Revised XXXX Section XXXX et. seq. I requested Equifax require the creditor submit a payment ledger and itemized statement to prove the delinquency date and balance. But, Equifax 's XX/XX/XXXX dispute report confirms the creditor did not submit any written debt verification and Equifax performed no investigation before it closed my dispute. Equifax violated my rights under the Fair Credit Reporting Act as follows : 1. Consumer right to privacy - 15 U.S.C. 1681, Section 602A ; 2. Improper furnishing of account information without or against consumer 's written instructions, 15 U.S.C. 1681, Section 604 A2

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: CURO Intermediate Holdings
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: Old information reappears or never goes away

Complaint:
Ad astract recovery/ speedy cash XXXX, 2017 amount {$1200.00}. I have soken to them the debt was paid and was told it can take 30 days to remove. 2 years later and it still appears on my credit report, i have filed two disputes and have got no response to what should be correcting this and removing it. This is incorrect and not right i have to continue with dealing with this. Specially around this time, with covid19 loss of wages and having my credit this way has given me minimum availability in things i can do. Please look in to this. I would really appreciate it

Company response to consumer: Closed with explanation