BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
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: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
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: Personal information incorrect

Complaint:
I have made multiple attempts to correct the information in my credit report but have been unsuccessful. My first dispute was not acknowledged. Experian continues to add and remove items on my report that are still incorrect and fraudulent. Multiple alleged accounts are on my credit report with. Multiple addresses and names that have no association with are still on my credit profile. XXXX I sent a dispute to Experian with certified mail to keep record of my request and the time they have by law to correct this issues. These account could possibly be identity theft and effecting my ability to access credit that I and live a peaceful life. 

15 U.S. C 1681 C-2 5 U.S C 552-A

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a policy with XXXX for over 10 years and I still have a policy with them. However, I sold a car and called to take the car off my policy they did and now I am getting credit for an unpaid month of the policy I cancelled. I tried to call XXXX  as well as emailed them with the help of their communications and never heard back thinking all was ok. Today I received another debt collector bill in the mail and spoke again to XXXX. I should not have to pay for a month of insurance when the car was sold. I still have an account with XXXX  for our other vehicle. The account in question should have been closed the day the car was sold. I spoke with an agent the day I sold the car and the account was cancelled. I shouldn't be getting collections notifications.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 consuming rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX 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  has violated my rights. 

15 U.S.C 1681 section 602 A Status 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 convictions of which antedates the 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 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 2023-02-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
The accounts was caused by fraud and I tried to contact the banks to dispute the issues. Dont know the amounts and the accounts was closed and I was placed in the XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: AES/PHEAA
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 have exhausted myself at all levels trying to get an inaccurate collections off my credit that is causing me denials for loans. To start, I have only 2 open student loans with, XXXX XXXX. However, I have to complaints that needs to be addressed ; First, XXXX which does not have possession of my loan is still being reported in a derogatory manner and the same loan is now with XXXX too. Creditors are seeing a total of 4 loans when there is only 2 because they have different account numbers. 
I request that XXXX remove the negative information thats being reported because again my loans are with XXXX and in good standings and not due until XXXX 2018. 

Second issue is that XXXX XXXX have a status on my report that says, Student loan assigned to government which my lenders views as a negative situation where as Im in financial  trouble with the government and this is so misleading. I want that comment removed and my account showing current as it should.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-18
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was enrolled in an auto payment plan with Navient and they just stopped taking my payments out with out my knowledge and turned me into the credit bureau for non payments and I just found out. Now my credit score is too low to get assistance in refinancing. They also harass me by calling me at least 10 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: CITIBANK, N.A.
State: NY
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:
Different credit inquiries on my credit score that dont belong especially with banks. Ive sent several disputes no responds yet.

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 2019-03-12
Company: Transfinancial Companies, Inc
State: LA
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 have disputed the information through the credit bureaus for the company XXXX XXXX. They have done an investigation that resulted in them removing the accounts from XXXX but left the account on XXXX report. The company has failed to submit proper documentation of the debt several times. The company is blatantly ignoring my requests and leaving the incorrect accounts on my XXXX  report. The company is violating my rights and causing blemishes to my credit report with in accurate information. The account is duplicated on my XXXX report as well for the amount of {$78.00}. The account should be removed promptly from my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/1989 Dear Sir/Madam, I am writing in regards to the accounts listed on my credit report. Upon reviewing the report, I have found several errors and inaccuracies that require immediate attention. 



Firstly, I would like to dispute the late payment account listed under my name with XXXX XXXX XXXX  ( Account Number : XXXX ). I have not made any late payments on this account and request that this be rectified in your records. 



Secondly, the charge off accounts with XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX  ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXXXXXX XXXX Account Number : XXXX ), XXXX XXXX  ( Account XXXX XXXX XXXX ), XXXX  XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), and XXXX XXXX XXXX ( Account Number : XXXX ) are inaccurate and need to be removed from my credit report as soon as possible. 



Furthermore, the collection accounts with XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX Bank XXXX XXXX XXXX Account Number : XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ), and XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) are also incorrect and require immediate action. 



Moreover, I would like to bring to your attention that I have filed for bankruptcy ( case number : XXXX ) and would request that you update my records accordingly. The bankruptcy case number is XXXX and XXXX. 



Finally, I have noticed inquiries on my report from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which were not authorized by me. I request that these inquiries be removed from my credit report immediately. 



I believe that the above-mentioned errors on my credit report have caused considerable damage to my credit score, and I am requesting that they be corrected as soon as possible in accordance with the Fair Credit Reporting Act. Please confirm receipt of this letter and let me know when I can expect a response from you. 



Thank you for your prompt attention to this matter. 



Sincerely, 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 2023-01-26
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: Investigation took more than 30 days

Complaint:
I acquired my credit report and asked the Equifax to dispute a late payment on my consumer report as well as check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and I havent received nothing. Here is my tracking number : XXXX. Its been over 30 days. 

And one more thing, they didnt even record the current status of the disputed information. 

Equifax is holding me back from raising my credit score to acquire new credit and purchase a house. This is very frustrating because I am trying to build positive credit and buy a house for my family but Equifax is not doing its job according to the law

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX : XXXX INQUIRIES : XXXX XXXX XXXX : XX/XX/XXXX XXXX/XXXX : XX/XX/XXXX XXXX : 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 2023-01-01
Company: Sequium Asset Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
they keep trying to said i hold a bill for medcal bill that i dont no what they talking about iformend them that someone is using my s.s. # and than they put it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid our mortgage and they put the money into our principal instead of applying it to the mortgage payment. We have called them and they keep saying they will fix and still havent. We keep getting letters stating we missed a payment seems only way to fix this is to make another payment which we cant do at the moment and dont think we should have to since we already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: National Recovery Solutions, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I started receiving calls from an aggressive debt collector from the phone number XXXX on XX/XX/XXXX

The " XXXX XXXX '' who called and kept leaving messages stated they were looking for a XXXX XXXX. 

I do not know this person, nor anyone with a name close to that, and have owned the phone number that they called me on for over 15 years. 

" XXXX XXXX '' kept calling me every few days, leaving the same hostile messages. Dates these messages were received included XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX 

On XX/XX/XXXX, I called " XXXX XXXX '' and informed him that no one of the name he was looking for could be reached at the number he dialed. He got irate, and accused me of lying. 

I then asked for the company name and address to send an official letter asking them to cease and desist contacting me. 

I was then told that " XXXX XXXX XXXX '' ( the name used in the precall recording identifying the call as a debt collector ) was not the company he represented and he refused to provide the information that I requested and hung up. 

I called back XXXX each time being hung up on as soon as the call was answered. On the third time, an irate XXXX XXXX answered again, asking in an aggressive manner what I wanted using demeaning/offensive nicknames based on my given name. 
I told him to stop referring to me by those names and to remove my number from his call list. 
He told me that had already been done, and I asked for confirmation of that. He refused and hung up on me again. 

I subsequently called " XXXX XXXXXXXX XXXX  '' at XXXX, and after explaining what happened, was told that the debt I had been harassed about was in their " XXXX, Washington '' office. The person on the phone was not able to give me any more information as they were locked out of that system. 

The customer representative gave me the phone number of that office to followup ( XXXX ). I have called and left a message, and have not received a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
The CRA, Experian, after several disputes, regarding inaccurate reporting for XXXX Acct # XXXX keeps returning my disputes with the following statement, " the information you disputed has been verified as accurate '' ( latest response, Report # XXXX, XX/XX/2020 ). 

Federal Law requires that this item be immediately removed because the information is inaccurate and, can not be verified.

The account is missing several years of payment reporting history. Experian is reporting one year of payment history on my report, with a one month collection. I have repeatedly asked them to investigate this for missing payment history and missing highest account balance. I have reference the Fair Credit Reporting Act, pleading with them to be compliant and remove this account.

Instead, they have falsely stated that the account has been verified as accurate. How can an account that has been opened for over 3 years, reporting one month of payment history - which is negative - be accurate. Experian is suppressing my score, making it difficult for me to access credit. They are in violation of the law.

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 2016-10-19
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am victim of Mortgage Fraud perpetrated in 2007. I was approached in 2007 to invest in some real estate properties. I closed on XXXX properties the same day, as I was told that they were " bundled properties ''. The agent that contacted me during his investigation mentioned that that should have been my first " red flag '', as you can not close on that many properties at the same time due to income and credit verification. Loans were closed for a certain amount, and Title company took thousands of dollars without me knowing in my name from a bank account. The agent suggested I contact an attorney. After speaking to the Asst. US Attorney in Ohio, i received a letter that the mortgages were fraudulent. I contacted the all XXXX mortgage companies to get some kind of resolve, as I am not in a position to keep the homes. I am seeking your assistance as I would like to get a mortgage histories erased from my credit report. I 'm in the process of getting a Deed in Lieu for all of the properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: WELLS FARGO & COMPANY
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:
I was just informed by Wells Fargo that the investigation could not find the error in their reporting due to lack of information they could find on a XXXX veteran program. After offering to provide said information I was told that the information was irrelevant ; the information is absolutely relevant. I need someone that is competent, to respond to my original complaint. With a little effort it will be obvious that Wells Fargo did not do right by me and that my original request is completely reasonable. Thanks.

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 2023-07-13
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: Account information incorrect

Complaint:
XXXX is reporting a balance of {$940.00}. A payment for {$320.00} was made on XX/XX/23 bring the balance to {$620.00} but the balance of {$940.00} is still being reported and it was never updated.

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 2022-08-10
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX. I believe it was reporting in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: CBM Services, Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As of XX/XX/XXXX I received a certified copy from XXXX XXXX  on XX/XX/XXXX about a balance that certified that I didnt not owe a dollar balance this letter is dated for XX/XX/XXXX. 
I have documentation from the XXXX XXXX XXXX XXXX and as of And Today XX/XX/XXXX I received a letter from ; CBM SERVICES, INC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX www.cbmservices.com Reference # XXXX States as of XX/XX/XXXX A debt is owed amount {$8200.00} Which is false due to the the certified amount stated on the letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. Refer to letter attached.

Company response to consumer: Closed with explanation