BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-05
Company: Experian Information Solutions 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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2018-01-24
Company: Allied Account Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The account with XXXX XXXX College amount is incorrect. The debt is being settled with the school but i have account credit services reporting on my credit report every month. This is effecting my credit and i was told by credit services reporting that they will accept a certain amount but im currentliy taking care of the bill with the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX an Experian continue to accept and report false information from XXXX damaging my FICA, credit score. Account  was closed as a charge-off and was a by=business account. They ignore repeated statements and copies which show its not my account. Also stop reporting false addresses for me. They have been sent numerous times supporting id documents with my correct address. XXXX is using a false address.

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 2019-10-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I can not get my credit report because the security questions they ask to log in i dont knoq the answers because I didn't take out the loans its asking about to confirm identity. One of the user names isn't even my name at all

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 2019-06-21
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted by Evergreen Professional Recoveries two days in a row while I was at work. The first call was on Wednesday XX/XX/XXXX and the second phone call was on XX/XX/XXXX. On the XXXX they call my work phone which was not given to them and left a message with one of my co-workers.

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 2017-11-09
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for 3 credit cards from Barclay Bank after receiving many solicitation pieces from them. I was approved for 2 and the 3rd required me to call in for verify some information. I called in and based on their criteria they were unable to verify my information and they then placed a restriction on all of the accounts. They requested I send a copy of my social security card front/back, drivers license front/back and utility bill front/back. I told them I would not send my personal information by mail especially not a copy of my social security card and I requested to get it resolved in a different way. Representative told me at this time they could only verify by mail. I 've called at least 3 times to get this resolved and I get the same answers from them. Since I 've opened these accounts which I have not been able to use I received my first bill which I quickly paid online in full for the annual fee charge. I continue to receive their solicitation to my home address and letters requesting I call and verify my information before they will take the restrictions off all of my cards. I need your help to resolve this. 

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 2019-06-20
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was notified of 2 hard inquiries on my credit report both dated XXXX XXXX that were not known about or authorized. Syncb/amazon and syncb/XXXX. I called the bank for both and they said they couldnt pull up anything on their end with my information.

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 2019-04-23
Company: NAVY FEDERAL CREDIT UNION
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
When I logged into my bank account this morning, I noticed that XXXX had been debited out of my account. It said, XX/XX/XXXX Adjustment - XXXX XXXX - {$180.00}. When I called Navy Federal I was told it was for an account that was overdrawn, however, neither of my checking accounts were. I came to realize that they were referring to an old account, 4 or 5 years old to be exact, that had been discharged in my bankruptcy that was discharged XX/XX/XXXX. The lady connected me to the bankruptcy department and I explained to the gentleman over the phone that this is against the law and that I had contacted my bankruptcy attorneys office and was awaiting a return call. This is not the first time I have had to fight with these people over unethical practices where my bankruptcy is concerned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My rights un

der FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. Experian did, t provide
the requested method of verification for the below items XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX Also below inquiries XXXX XXXX  Inquired XXXX XXXX XXXX XXXX XXXX Inquired onXXXX XXXXXXXX XXXX XXXX Inquired onXXXX XXXX XXXX Inquired onXXXX XXXX XXXX Inquired onXXXX Also XXXX XXXX XXXX is reporting 2 late payments

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 2018-12-03
Company: EQUIFAX, INC.
State: MO
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 been trying to get fraudulent inquries off my Equifax report. 

I called chase where the online credit card inquiry was made thru and they help me with acknowledgement of this fraudulent activity. They sent off something to Equifax more then 90 days ago. 

I was told I needed to wait till XX/XX/XXXX to file a complaint about Equifax not doing there due diligence to act accordingly to the CRA laws. 

I have 7 fraudulent activities from XXXX Bank, Equifax refuses to help me with this and told me that I just need to wait till they drop off in the 2 year mark. 

This has made my score drop from this and even though I have done everything to fix this with XXXX bank, Equifax refuses to do what is right. 

I am at my wit 's end and I have a freeze on my Equifax account due to this fraudulent activity. 

Equifax said it is not their job to correct the fraudulent activity, XXXX has done their job by reporting this as fraudulent activity and yet this is still on my credit report. 

I should not need to wait till XXXX for this to be addressed when I have taken steps to correct this and XXXX has also taken steps to help me with this. 

Equifax thinks they don't need to follow the laws and they stated so to me on that last occasion I called them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-09
Company: Experian Information Solutions 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:
I have disputed this account with Experian again and again and their response is always the same Verified. I have disputed the accuracy in the reporting, I am not sure how you can say this this account was verified of being accurate just from a click of a button. I have asked in which ways did they verify this account and I am still waiting on a response from them. I understand now that verifying an account is a simple process of pressing a button and the company responding back with another click of the button through automation as verifying the account. Well that 's not verifying the accuracy of an account and by law the account must be reporting accurately and verified by law. I have n't received an accurate dispute on this account by law. I want this account removed from my credit report as a result of not fully investigating the accuracy of reporting.

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 2017-11-09
Company: SUNTRUST BANKS, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a claim recently because while on vacation I dropped my debit card along with other information out of my clutch. One of the cards did have the pin number on it. The representative XXXX that I spoke with told me she made the decision on my claim prior to even speaking with me and when she called she asked me about a police report. I hadnt been fraud before, so I contacted law enforcement within my home area after speaking with her and they advised that I would need to speak to New York State. NY advised that I would need to come back there ; however, I dont live there. So because I didnt file a report I was held accountable for the charges. I pay all of my bills out of my SunTrust account. Honestly you are my primary bank. I pay everything with your bank. I dont know why I am being treated this way. I have had a great relationship with the bank for over 10 years and someone steals my card and use it and it becomes my fault. How will I feed my child or take care of my bills. I am a single parent and I live from paycheck to paycheck and someone stole almost half of my check. Someone took {$400.00} out of my account while I was on vacation.

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 2017-07-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Fair Collections & Outsourcing Inc. advised me that they do not delete debts and I understand that I did not sign a contract with them for this debt that was owed to XXXX XXXX  account XXXX. This debt was settled and paid, but has been causing my credit score to be low. <P/>I was not aware of my consumer rights for accounts that were sold to debt collection agencies. <P/>Since I did n't have a contract signed with Fair Collections & Outsourcing, this debt should not be reported because I also have no payment history established with them. <P/>I would like this to be deleted from XXXX and XXXX <P/>The date this was recorded as paid was XXXX/XXXX/2014.

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 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 noticed an account on my report I do not recognize

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 2022-03-05
Company: Experian Information Solutions Inc.
State: NJ
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 noticed an account on my report I do not recognize

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 2019-06-23
Company: CAVALRY INVESTMENTS, LLC
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: Information belongs to someone else

Complaint:
THIS IS THE THIRD TIME I HAVE FILED A COMPLAINT OVER ACCOUNT THAT WERE OPENED IN MY NAME. SOMEONE HAS BEEN USING MY NAME AND ID SS CARD TO OPEN UP ACCOUNTS FOR CREDIT I HAVE NOT PHYSICALLY LIVED AT XXXX XXXX XXXX XXXX OH XXXX FOR OVER 5 YEARS. I AM NOT SURE WHO WAS USING MY CREDENTIALS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Exeter Finance Corp.
State: WI
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:
Checked my credit reports and noticed the inquiry. I have not done business with the company. They will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
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. I am filing this complaint to request that you block the following fraudulent information from my credit report : The 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 and XXXX XXXX XXXX XXXX XXXX XXXX This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this 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 2017-11-09
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Everyday in XX/XX/XXXX and XX/XX/XXXX I am receiving calls on my cell phone ( XXXX ) number. After speaking to XXXX XXXX on XX/XX/17, she asked what number they could communicate with me on. I gave her my Home number ( XXXX ) the next day they started the Rotary Calls to that number at XXXX XXXX. She also stated that they investigated information on me and stated I had a lot of properties and asked about a person who has a last name as mine who has no connection nor responsibility for my grand-daughter 's Student Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Nelnet, Inc.
State: MD
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:
Initially requested proof of indebtedness, the responded with a payment history which is not proof of indebtedness. I gave my conditional acceptance statement and followed up by asked for proof that they are the holder of the original note. They responded by referring me to a link to a federal website where I can find my original promissory note. I asked that they send me a notarized letter on their letterhead saying that my note has not been purchased or sold and they responded by saying they can not provide me with what I asked for and again to refer to terms on my promissory note. The promissory note does not have my signature. 

They have been able to provide me with anything asked. All in all meaning Great Lakes is not the original instrument holder and according to truth in lending there are violations and illegal actions taking place. Only the holder of the original instrument can collect on it. 

My student loans need to be discharged immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
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 have several inquires dated back to XX/XX/XXXX from a company called XXXX for XXXX , XXXX XXXX XXXX and various other companies I had my identity stolen a year ago and I didnt authorize these inquires. Ive wrote the credit bureaus and the actually companies and they failed to take them off my credit report. I also have two accounts from XXXX XXXX XXXX for XX/XX/XXXX and XX/XX/XXXX that are fraudulent that I have went back and forth with both the credit bureaus and the actually company and nothing has been done. I have a police report on file as well and they still have yet to fix these errors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23
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 status incorrect

Complaint:
I am very upset that I have reached out to the credit reporting company I would say more than six times about this problem and they will say they updated report with validation. I am concerned of how this is validation and never proof of real validation and still seven times ago it is still reporting inaccurate information and lies on their report stating accurate information. I do know my rights and I do know that I have pointed out many times that you can not report inaccurate information and on top of it keep violating my rights and I am sick of it. You can not report a account is open but another one stating closed and state that you validated this and also report different dates and so many more inaccurate information that WASNT TRUE and  was NEVER VAILDATED. So I am asking once again that this account to be REMOVED IMMEDIATELY AND STOP VIOLATION OF MY RIGHTS and delete this immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: Shellpoint Partners, LLC
State: SC
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:
my complaint ID. # XXXX Shellpoint mortgage. 

After the initial complaint from me to cfpb, Shell point investigated my complaint. I received the investigation results back from Shellpoint ( XXXX XXXX XXXX Department ). They stated that they will not remove the late notification on my credit report in XXXX. Their reason was the payment was outside the 30 day payment period. The initial mortgage payment was made on XXXX XX/XX/XXXX but due to the inaccurate information on their IVR it is was not credited till XXXX XX/XX/XXXX. That was when i was notified by another mortgage company I had a late payment. I called Shellpoint ( XXXX XX/XX/XXXX ) spoke to their representative who track down the problem ( inaccurate information on their IVR, there over the phone payment system ). made the correction and i paid XXXX as well as XXXX mortgage payment. Shell point admitted they can see on the record where their representative made the updated changes. Why are they still holding me accountable for the late payment in 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 2020-11-26
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 is missing that should be on the report

Complaint:
Greetings. 

I sent a disputes letters to the credit bureaus sunch asXX/XX/XXXX, Equifaax and XX/XX/XXXX but they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.

Company response to consumer: Closed with explanation