BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-14
Company: DIRECMANAGEMENT, INC.
State: AL
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 received an alert from my credit monitoring company that my score has dropped due to a new negative account from Direct Management reporting on my credit. I have no knowledge of this collection account and I do not have a joint account with XXXX XXXX XXXX XXXX. I was added as an authorized user but I have never had any access or had anything deposited ( paychecks, income tax, etc. ). 

Delete immediately form all credit bureaus Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2 company has also No permission to report anything using my info pursuant to 15 USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: OH
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2019-03-06
Company: DYNAMIC RECOVERY SERVICES, INC.
State: AZ
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:
On XX/XX/2019 at XXXX we received a call ( XXXX ) with a recorded message for an XXXX XXXX stating that they needed to call back XXXX XXXX ) and reference case # XXXX as a case is being filed in their county. After pressing 0 the initial operator did not give any information about the company and put the call on hold until it was hung up a few minutes later with no warning. I called the number given and the operator said the company is DYNAMIC RECOVERY and stated that he would try to get our number removed. These calls have persisted even after asking for our numbers to be removed previously

Company response to consumer: Untimely response
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: OH
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 several accounts on my consumer report showing as charged off. According to the IRS charge offs are defined as income and are filed on a XXXX. It is illegal to furnish income on a consumer report. Therefore this is a clear violation and all accounts showing as charged off need to be deleted immediately. It is also illegal to deny me my right to privacy. I have addresses listed on my consumer report which I've disputed several times that I have no access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing a complaint against XXXX XXXX XXXX XXXX , XXXX regarding account # XXXX. This company is fraudulently report inaccurate information to me credit profiles with the major credit bureaus, as well as defaming my character. I have made several attempts to reach this collection agency, to receive no response, and invalid mailing address. I used the address reported to XXXX  on my credit report and it is invalid. Since I have no contract with XXXX XXXX XXXX XXXX aka Profit Services Group, of XXXX Georgia, I want this account REMOVED FROM MY CREDIT IMMEDIATELY! I have also filed a complaint with the CFPB complaint # XXXX, and have not received a response either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
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:
Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion has an option for consumers to use their online dispute feature at the website disputetransunion.com. There system is preventing me from accessing this feature without providing me notice. I correctly logged in with my account, I know this because I can access my profile and it reflects my information, but when I try to use the dispute feature I get the following error message : We are experiencing technical difficulties. 
We appreciate your patience while we resolve this issue. Please contact us at ( XXXX ) XXXX to initiate a dispute via telephone, during our normal business hours ( XXXX to XXXX ET Mon-Fri ). You can also mail your dispute. 

I then tried to log out and click the log in help link that says Forgot your username or password? and directs to the link https : //dispute.transunion.com/XXXX. 

That link directs you to a page that asks for credentialing information, which is social security number and last name. When I correctly enter that information, it directs me to a new page with the following error : We are unable to complete your request. 
What happened : We could not log you in with the information you provided. 
What to do : Please contact us at XXXX. 

I strongly believe that this is due to the fact that I have recently accessed the dispute page on numerous occasions to compile the information that I need to generate an online dispute regarding a specific item on my credit report, but have yet to submit. I believe that the company is trying to limit my rightful access to my report. 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 2021-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
There is unknown hard inquiry on my credit report. Im requested the verification of the inquiry and the method of verification. BK OF AMER Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2020-09-10
Company: Navient Solutions, LLC.
State: CA
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:
I am a current doctoral student studying in XXXX. I submitted the corresponding form that allows me to defer student loan payments, as my scholarship qualifies as a educational fellowship sponsored by the U.S. Department of State. I was informed by email that correspondence regarding the approval of this deferment request is available in my Navient inbox. However, the correspondence has not been updated in my inbox, even after XXXX weeks after being informed by email. I then called Navient and spoke with a student loan representative, who confirmed that the deferment request was approved and it will take time for my account to be updated with the new payment terms ( which, the representative confirmed should be {$0.00} from XXXX, 2020 ). I have since waited two weeks for my account to be updated and have not seen any changes. I have been billed XXXX 's bill as well, in addition to a late fee from XXXX because I did not pay, waiting for the bill to be adjusted. I do not know why Navient chooses to skip correspondence regarding these types of requests being approved, it almost seems they have an algorithm to pretend that these things be avoided so that students who are still undergoing education are continued to be billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Foris DAX, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
The platform is crypto.com they keep having problems and accessibility issues. and keep saying accounts are under review denying access to peoples money and screwing up transactions. Every time we try to get our money back they say the account is being reviewed. Its a continual problem, and it keeps disrupting the ability to do business by withholding a consumers money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I sent a debt validation request letter to XXXX in early XX/XX/2019 about the student loan on my credit report. In return they sent the validation of debt on XX/XX/2019. The information on this letter is incorrect, my social doesn't appear on the contract, and neither does my birthday.Which doesn't validate this debt being mine, being that the information I received is invalid. The amount of the loan is {$2900.00}.

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 2019-11-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I sent a debt validation request letter to XXXX in early XX/XX/2019 about the student loan on my credit report. In return they sent the validation of debt on XX/XX/2019. The information on this letter is incorrect, my social doesn't appear on the contract, and neither does my birthday.Which doesn't validate this debt being mine, being that the information I received is invalid. The amount of the loan is {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: EQUIFAX, 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 belongs to someone else

Complaint:
XXXX XXXX XXXX has a collection on my file from a cable company. I contacted them to make payment because at one time I DID have an account with that cable company..but this debt was not mine. They had a completely different address where I never lived. We determined, over the phone, that this must have been identity theft. I asked them to process it accordingly. 

They did not remove it from my file. I disputed this with all three credit bureaus and they did not block the item from display ( as federal law requires ) nor did they process it as an item from ID Theft. 

Account number XXXX. Balance listed {$250.00} Address listed as XXXX XXXX XXXX, XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage holder is XXXX and my bank is Wells Fargo. I make payments to my mortgage via XXXX XXXX, and I make them monthly and on time. My payment for our XXXX mortgage was made by XXXX XXXX at Wells Fargo on XX/XX/21. This is fully documented in my account records and statements. My mortgage holder, XXXX, states that they did not receive the payment. They, however, received the prior payment and the following payment, no problem. These payments were sent to them the identical way. This means that whatever problem occurred happened between when Wells Fargo made the payment to XXXX on XX/XX/21, and when/if XXXX received the payment and/or misapplied it. This means that there was no error on my end in the transaction ; however, since this occurred, both Wells Fargo and XXXX are trying to avoid taking responsibility for the error in payment application. I have made XXXX calls to date, to both Wells Fargo and XXXX, in an attempt to rectify the matter. I have sent a letter to XXXX letting them know that there was an open investigation with Wells Fargo, and that if Wells Fargo contacted them, I would appreciate their cooperation. I have had both Wells Fargo and XXXX on the line on a conference call, and the call ended with both parties accusing the other of the missed payment. It was incredible. I have the dates and names of the parties on that call. I will attempt to resolve the matter with XXXX additional conference call. After that, and the filing of this formal complaint, I feel I'll have no further recourse to protect my interests than to retain legal counsel and sue XXXX for negligence. Because of this, my credit score has been inoridinately affected and I've been sent a notice of default on my mortgage.

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 2020-02-03
Company: ID Analytics, 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: Account information incorrect

Complaint:
Banks are using sagestream credit agency to run credit reports, a lot of info is all wrong and many people are claiming low credit scores, sagestream score for me is XXXX, thats about 180 points lower. Whats strange is, I have a security freeze on ALL 3 credit agencies, and the only one to come up with a score and credit history is sagestream.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Agreed to a rate reduction program on the basis that my account would not go any further negative once i started making the qualification payments.Instead they kept reporting it getting further and further delinquent even after i made all the qualifying payments. When i brought it to their attention they just told me to keep paying and they would investigate it further. They took over 3 months to even address the issue. I made several contacts to them asking about the status of this and always got a response saying they were still working on it. It was not until i told them i was stopping my payments that they, all of a sudden, came to a resolution about fixing it. They did fix the initial issue after 3 months but by that time my cosigners and myself had already had all cards and such terminated due to this huge error. Now, since i stopped paying, the refuse to bring my account into current standing. I only refused to pay so something would be done! This all stems back to when i originally set up the plan. At that time i agreed to the plan and paid the qualifying payments like i was supposed to and they didnt hold up their end by telling me i wouldn't go further delinquent. So i felt it was fair for me to stop making payment after they clearly violated our agreement and thought nothing of it, since they waited over 3 months to come to any resolution on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Experian Information Solutions Inc.
State: GA
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. 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 non-monetary relief
Consumer complaint received 2018-09-28
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: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX disputes regarding a collection and requests for validation of a debt were sent to Experian that included the following accounts : XXXX/XXXX XXXX XXXX Acct : XXXX, XXXX. 
An inquiry from XXXX XXXX  on XX/XX/XXXX and names I have never gone by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Several follow up letters by certified letter, more than 10 phone calls and 3 direct uploads to their online disputes system and contact attempts were made well into XXXX  of last year. A CFPB complaint was made XX/XX/XXXX about all erroneous reporting. All of the above accounts, inquiry and incorrect name information was removed from my credit file. Upon checking my credit file on XX/XX/XXXX, this information has been erroneously placed back on my credit report with out notice by Experian, XXXX  and XXXX. In violation of the Fair credit reporting Act. 

In addition, XXXX, XXXX and XXXX continue to report XXXX   XXXX XXXX XXXX XXXX. After receiving information verifying the account had various errors in it's reporting. Another violation of the FCRA.

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 2019-03-06
Company: EQUIFAX, INC.
State: MD
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 am writing to request the removal of unauthorized credit inquiry/inquiries on my Equifax, XXXX  and XXXX ) credit report. My latest credit report shows 10 credit inquiry/inquiries that I did not authorize. These inquiries are over a year old and I was shopping for a car XX/XX/ 2018 from one dealership and they put all these hard inquiries on my credit with my consent. The number of inquiries exceeded what I expected. I felt pressured into getting car financed with dealership. These inquiries are affecting my FICO score and me trying to refi my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX XXXX for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 


Unfortunately, 1 year ago, I was in a financial dilemma due to a car accident and wasn't able to work due to XXXX XXXX. As a result 1 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on one occasion over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss.

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now that 1 late mark on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts.

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you.

Company response to consumer: Closed with explanation