BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: DC
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 contacted Chexsystems about FRAUD under my social security number and to investigate each reporting bank. I called and mailed them correspondence to dispute each item. I strongly deny these items. I told them the law was to provide me with copies of any documentation associated with these " [ items ] '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages. They stated they would not investigate and then they said investigation was done in XXXX YET I was not provided any documentation of any kind. 


The accounts below are what's reporting that does not belong to me THAT CHEXSYTEMS SAID THEY VERIFIED YET GAVE ME NO CORRESPONDANCE OF VERIFICATION. 



1. XXXX XXXX XXXX XX/XX/XXXX XXXX 2.  XXXX XXXX XXXX XX/XX/XXXX XXXX 3. XXXX XXXX XXXX XX/XX/XXXX XXXX 4. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 5. XXXX XXXX XXXX XX/XX/XXXX XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 7. XXXX & XXXX & XXXX XXXX XX/XX/XXXX XXXX 8. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 9. XXXX XXXX XXXX XXXX XX/XX/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 2020-06-30
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Waypoint Resource Group, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A customer service member from the XXXX company called me in XXXX / XX/XX/XXXX to indicate that I was owing a balance of {$470.00}. I responded that I was no longer living in the address and i moved out of the house several months ago. And that I am separated from my wife who was residing in the house at that time. I explained that my wife 's name was on the account and should be responsible for paying the amount owed. The staf member insisted that I was responsbile for the debt because I was the primary account holder. So, I had no option than to include the amount owed to my total debt with the credit repair company working with me. In XX/XX/XXXX, I consulted with a customer service meber of my repair company and indicated that I would pay {$100.00} out of the settled {$200.00} owed to XXXX and this month, XX/XX/XXXX, I paid the remaining balance of {$100.00}. So, I was surprised to note that Wayresgrp collection agency indicated that I am owning the full amount of the debt ( {$470.00} ) even though i have paid it off. This action has adversely affected my credit score. I do not know the rational for this action than to see it as a punitive measure by this collection agency to damage law abiding citizens credit scores. This is sad because the report in this case is grossly inaccurate and misleading. I would appreciate if you could please investigate this injustice by this collection agency which unfairly tarnish credit scores of law abiding hard working citizens like me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Massachusetts Educational Financing Authority
State: RI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loans changed servicers and no longer has a distinct account number for each loan. It is now impossible to send payments outside of the website and specify accounts. As a result, I have had to file standing instructions for how a recurring monthly payment is allocated. 

The standing instructions are never followed and I must manually request the payment be corrected every month. I have asked instructions to be corrected several times, but the issue is never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: EQUIFAX, INC.
State: MI
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:
Is reporting opened but its closed and revolving account XXXX XXXX, XX/XX/XXXX balance unknown XXXX XXXX XX/XX/XXXX is reporting open and revolving but is closed balance unknown XXXX XXXX XXXX XXXX  XXXX XXXX is reporting opened and revolving but its closed balance unknown Inquiries : XXXX XXXX. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Bank XXXX reporting delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
They are reporting wrong address and 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 2018-09-10
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Since XX/XX/XXXX, Navient has failed to abide by the ACH payment arrangements that I have scheduled on numerous phone calls with its representatives. The company has repeatedly failed to draft these payments, drafted payments on dates which I had not consented to, failed to reset the payment schedule after account changes ( e.g. debit card replacement ), and abide by what I was told by customer service representatives in terms of payment schedules and impacts to my credit.

I have also requested written correspondence with the company instead of phone calls, and told the company that they may no longer attempt to contact me via telephone. These requests were not honored.

Most recently, after the theft of my Navient-linked debit card in XX/XX/XXXX, I contacted Navient to provide the replacement card. I was told, after almost twenty minutes on the call, that my account was in good standing. I explained that it could not be, and then I was put on hold, and then disconnected. Too many calls to this company end in such a manner ; they are time-prohibitive and do not tend to accomplish the goal. I placed a second and third call, and was told that I needed to monitor my account, and then call back. I placed a fourth call and made a payment on XX/XX/XXXX, of XXXX. I was told that I was behind by one payment, and that I should make it as soon as possible, but that my payment schedule would now resume. No further automatic payments were applied. on XX/XX/XXXX, the representative also told me that my payment would bring my account current and prevent my credit from being negatively impacted. Within a few days my accounts were reported as delinquent to the credit bureaus, however. 

On XX/XX/XXXX, I wrote an email to the Navient customer advocate office regarding the most recent issues that I have described. I received an automated confirmation, but no response to this message. 

I have six accounts with Navient. Most of them carry a principal balance greater than my original disbursement. We have made almost {$67000.00} in payments. Our accounts must maintain a competitive interest rate to potentially be satisfied in the future. Navient representatives have stated to me that a diminished interest rate depends entirely on these scheduled bank drafts, which the company has failed to execute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Sir/Madam, Inreference to complaint ID XXXX The XXXX XXXX XXXX wakefield & associates or XXXX XXXX XXXX wakefield & associates as they call themselves claim they were not paid by my insurance for services they rendered to me in 2016.They falsified the amount of money they claim i owe them and reported false dates services were rendered.The current owner of XXXX XXXX is a XXXX XXXX and all those who work for him at every XXXX XXXX are his XXXX   XXXX.It might sound crazy and unbelievable but if you try to find out if it is the truth you will find no lie about it.They tried me to be a XXXX XXXX but it has never worked and it will never work.They are not quitting on me and i will never give in to be a XXXX XXXX.placing false debt collection accounts on my credit history is another alternative means to put me into a mess and try to me make me a XXXX XXXX. 
I tried to upload my proof of payment from my insurance company on XXXX so that XXXX can dispute the debt collection accounts placed on my credit history but it could not work.I currently don't have money to mail my proof of payment document to XXXX.Mailing and uploading is the only way acceptable to submit any dispute supporting document.Here is a detailed summary of my claims history summary report ( proof of payment ) from my insurance : Dos refers to dates when services were rendered Status refers to dates when they were paid Billed amount refers to how much they charged Adjusted amount refers to reduction money with medicaid Allowed amount refers to how much they were paid after a reduction with Medicaid Paid amount refers to how much they were paid.

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 2021-08-13
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: Was not notified of investigation status or results

Complaint:
I sent in a letter over 30 days ago requesting that incorrect information be removed from my credit profile. The company has yet to respond and provide proof that these inaccurate accounts were actually created by me. .Having these items on my credit report is negatively impacting me and it is frustrating and alarming that this company is not even putting the effort in to help me rectify this situation. Please assist me with this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST asking to remove the accounts XXXX ( XXXX ) listed below that remain on my credit report in violation of 15 U.S.C. ss 1681.

Reporting inaccurate and unsubstantiated information to a  credit reporting agency may constitute fraud under federal law. The information that AR Resouces Inc claimed to have forward on XX/XX/18 CFPB complaint # : XXXX has never been received via mail or using CFPB. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed accounts which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly DELETE information  which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. 

A copy of this complaint as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( XXXX XXXX XXXX XXXX  ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I do not have a signed contract nor any contract with AR RESOURCES INC. I have never done business with this company. I am not liable for collection from this debt from AR RESOURCES INC. I am not responsible for this debt with AR RESOURCES INC. Also per the State of Florida XXXX XXXX XXXX XXXX XXXX must be licensed and bonded in the state of Florida to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My XXXX credit report # XXXX dated XX/XX/XXXX shows that XXXX XXXX XXXX XXXX /XXXX  ( original acct owner ) is reporting a charge card account with a date opened of XX/XX/XXXX. The balance they have listed is {$1300.00} ( updated on XX/XX/XXXX after I disputed an inaccurate balance history based on what the report itself states ) and the highest balance shows {$1400.00} with a recent payment amount of {$140.00} on XX/XX/XXXX which they reported under " Balance History '' dated XX/XX/XXXX. There is also a balance history for XX/XX/XXXX which strangely enough lists {$0.00} Paid on XX/XX/XXXX. IF a payment of {$140.00} was made on this acct on XX/XX/XXXX, why wouldn't it be listed on the balance history occurring in XX/XX/XXXX? Why would it only appear in the later date of the XXXX XXXX balance history? Also, under " Payment History '' in the year of XXXX in XXXX this acct lists 120 days late. How can this acct be 120 days late in XX/XX/XXXX AND a payment made on XX/XX/XXXX? It appears the dates, balance, and payment information may not be accurate.The major issue with this account is that XXXX is an original creditor who has, apparently, sold this account ( attached copy of letter from collection agency named XXXX   who bought the acct around XX/XX/XXXX ) and continues to report each month with a balance due of {$1300.00}. If XXXX does not OWN this debt then this is inaccurate and in violation of reporting guidelines. I have disputed this listing and can not seem to get the credit reporting bureau to do anything more than say they investigated it. Otherwise, they would have seen the inaccuracies and requested verification from the original creditor. I request that XXXX verify the information they have listed for this acct and prove they still own this account because I have a letter from a collection agency stating XXXX sold the acct to them.

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 2018-09-10
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: Their investigation did not fix an error on your report

Complaint:
I have submitted multiple letters to Experian requesting validation of the accounts in question ( XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ). Both notices were mailed certified and were received ( XX/XX/XXXX and XX/XX/XXXX ) I have received zero documentation from Experian providing the proper validation of the debt.

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 2018-09-10
Company: MSW Capital, LLC
State: AE
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:
I have an account listed on my XXXX and XXXX credit reports that lists XXXX XXXX as a creditor. They claim to have sold the debt to MSW Capital LLC, after numerous calls to MSW, they will not answer their phone and I do not see an email address to send email to. XXXX XXXX  will not allow me to make any payments to them, and MSW will not answer their phone. 

This should be removed from the credit report as it is very unprofessional and I believe the data to be inaccurate. They report to XXXX and XXXX with different data, and then nothing to XXXX. There should be consistency. Since there is not, it should be deleted as retroactively assessing negative information would be biased and unprofessional.

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 2019-01-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a bk chapter XXXX showing on my credit report that should not be on there I never been discharged from the debt which I went into the court and filled out paperwork only never went to a hearing or follow through the paperwork and if you call youll see I never succeeded with the filing how can this happen

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 2018-09-10
Company: LEXISNEXIS
State: NY
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: Public record information inaccurate

Complaint:
TO Lexis Nexis : CFPB case # XXXX Lexis Nexis # XXXX This is my 3 rd letter to you on this issue. 
When my employer checked Lexis Nexis on me you sent them a file with 71 " historic & Undocumented '' Judgments & Liens. 
that's 71 ( seventy one ). 
When I wrote a dispute you sent me my file with only 1 judgment & lien. 
THERE IS A SERIOUS DISCREPANCY HERE. 

I have several current credit reports from XXXX XXXX, XXXX, XXXX. They list no judgments or liens. NONE. 
I hired an attorney to do a upper and lower case search on me, They found NO judgements or liens. 
I have the file with 71 judgments listed, please see this file. The IRS lien you list 5 times, 4 of the 5 are duplicate an the 5 th shows " satisfied ''. 
Same with all the others, duplicate and of " satisfied '' many years ago. 
Please correct your records. If you send this false and mis leading file again I will pursue legal action with punitive damages. 

Please send me a corrected file showing NO judgments or liens. 

Sincerely XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Soc sec XXXX DOB CC : 1- CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10
Company: Constar Financial Services, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a call today XX/XX/2018, the call was transferred from a colleague who said the caller said it was a recorded line and did NOT mention the name of their company. They did not call my cell phone at all because I pick those calls up. When i got on the phone he said it was a personal business matter, making me first think it was business, I work for a business and thought it was related to them, then he said my address and would I verify who I am, at this point I refused to and told them to NEVER EVER call my place of work again. At this point I went out side to call the company back and have tried to re reach him 3 more times and now he won't take my calls. All I know is the company name but no clue who they are OR why they would call me at my place of work. I was told from a few other employees that I've had a few calls like that but they thought it was about this business so they have hung up. My cell phone was on a do not call registry list. 

All I know is the company name. Constar financial .. aka " con '' sounds like a great company name. by the way.

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