BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-22
Company: Experian Information Solutions 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 have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. 

XXXX XXXX XXXX OF XXXX XXXX ; XXXX OF ED/NAVIENT XXXX ; XXXX XXXX XXXX OF XXXX XXXX ; XXXX OF ED/NAVIENT XXXX ; DEPT OF ED/NAVIENT XXXX ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
account information is not accurate with XXXX XXXX XXXX # XXXX this account is not 30 days late and hs never been they should have received communication from XXXX XXXX regarding this matter account has on tie payment the 30 day ate is not correct XXXX XXXX will verify this information is not correct I have a deferal in place payments are currant

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03
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: Information belongs to someone else

Complaint:
Throughout the month of XXXX i've called Experian over a dozen times to file a dispute i recently looked at a copy of my credit report and noticed several incorrect accounts which are XXXX and XXXX reporting with no credit limit, no high balance and reporting of 120 days late back to back month, i spoke with XXXX to express my concern and she was very rude, dismissive and unprofessional and said she cant dispute those times, so i requested a supervisor, i spoke with a male supervisor XXXX and he said he will not remove or dispute any inaccurate information and began to argue with me for approx 15 mins, he used intimidation tactics.

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 2019-02-22
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX like most customers of Navy Federal Credit Union, the deposit of my paycheck with direct deposit was not available for some unknown reason. While Navy Fed worked to fix the issue, they stated on their official XXXX account that the money was posted but was not showing up, quite frankly we were told that we have invisible money. All the while automatic Bill pay, which they push for people to sign up for, was being declined or over drafted. It has been 8hrs since I should have received my direct deposit and I, like everyone else, work hard for the money we have earned. In doing so I should not be nervous about a glitch or something that is going to prevent me from paying my bills on time and then have to suffer overdraft fees due to a problem not of my own doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I feel like I'm being targeted last year I paid off credit one credit card credit limit of XXXX but my debt was like XXXX account was closed a year before year shutdown after anyways I paid the bill off last year account was close an on XXXX XXXX  finally showed it paid an close now this month same bill pops up I've been getting calls from midland credit management XXXX XXXX is reporting unpaid bill what's disturbing is that the address they had for me is over 10 years old i dint even have a bank account back then now I don't know what to do all I know is I feel like I'm being scammed because the address I live at now is when I got my credit card the address they have under the bill supposedly I owe is over 10 o 11 year old????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
About 6 years ago, XXXX XXXX hired a law firm called Presler and Presler ( Now Presler, Felt, and Warshaw ) to collect a debt that they allege I owed on an account that was never mine. Over the years, they have garnished my wages and filed a judgment against me for this debt. They did so at a time when I was deeply depressed and was indifferent towards the situation and any documentation sent to me. It is a XXXX XXXX account and I have documented proof from the executive office of XXXX XXXX that it is not mine and I was never responsible for any balance owed on it. XXXX XXXX and the law firm they hired have ruined my credit and they have harassed me for years about this debt. For that, They deserve to be punished and I demand they make restitution for the money they garnished from my checks. They are threatening to garnish more of my wages and I can not afford to have my money taken from me. Also, please make sure this judgement filed against me gets rescinded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: PNC Bank N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Decieved by the one I loved and Trusted. 
Property owner since XXXX all updated ( {$55000.00} ), savings aprx {$15000.00} ; working ; Retirement, Stocks purchased XXXX ; vehicle ; no mortgages or loans. Married XXXX adding spouse to all. Became XXXX XXXX. Spouse handled took over all, including handing me an allowance. Spouse informed me stocks we're ate up in the system. I talked to bank to get info and was there was response from them. Now divorced XX/XX/XXXX. 6 months ago doing a transaction over due by exspouse I mentioned to the Financial Advisor about the stocks. He told me my exspouse had them in his personal account! There were more than these stocks that we're joint I have no access to. And recently found W2 a Severance pay from XXXX my employer. I never knew about. 
Discovered was 3 mortgages. I knew of only 1, but signature is on all. There is no account of what he did with this money. It was not used towards the property. I have found at least 5 revolving credit accounts that had contained my name ( bank would not cooperate ) and removed during separation. His personal broker works in the same bank as the Financial Advisor I Spoke with just a 6 months ago. ( He seemed very upset with this Broker ) I did find IRA 's, Retirement Funds, 401K 's, Stocks, Annuities and etc. 
I do not know the extent of all he has done other than abuse. All I had through my employer was used during marriage. 
He received all property and I received 15 % not counting what he has not shown at this bank/banks. I am XXXX, XXXX. At no time were my XXXX were ever mentioned due to neglegence. 
Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020 Someone fraudulently opened an account with Discover bank using my information resulting in a XXXX dollar debt that isnt mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-24
Company: Sequium Asset Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was dismissed two years ago by the Department of Education because the school was determined to have used unfair enrollment practices by promising job placement. In addition, I graduated from this college in XXXX of 2012. The debt is more than the federal statute of 7 years old. XXXX  overzealous debt collection agency changed the date of the debt and added it to all three of my credit bureaus. Attempts to communicate with the collection agency was unsuccessful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I leased a home from XXXX from XX/XX/XXXX until XX/XX/XXXX. 

XX/XX/XXXX they claimed I owed them XXXX. Since then, they have sent this to collections. 

I have been in contact with the collections agency since around XX/XX/XXXX, I have requested validation of the debt and XXXX has failed to provide such. The Collection Agency is refusing to remove the debt from my credit report despite my multiple efforts to resolve this matter. 

They have told me that they sent XXXX a verification request which I requested around XX/XX/XXXX and they have not provide such. 

XX/XX/XXXX, I again called Thansworld System Inc. for an update on the dispute and XXXX has not validated his claim and they still refuse to remove a debt they have failed to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX : {$9300.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX, 2017 Please help me with Experian in delving into my Identity Theft and clearing all the inaccuracies on my credit report. 

I asked them to correct all the improperly listed types of residence addresses. Also, I requested that they update the incorrect versions of my name. Additionally, to check on unapplied for credit accounts. This took 4 hours of my time.
Unfortunately, a greater portion is still INCORRECT.
I am a victim of IDENTITY THEFT and they are NOT addressing my concerns. As a previous victim of Identity Theft, I am well aware of the WARNING SIGNS. 

I have attached a color-coded version to make it easy to understand the inaccuracies. 

Thank you in advance for your assistance!

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 2022-08-25
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: Account status incorrect

Complaint:
XXXX are reporting incorrect information on my credit report. I have requested for them to submit evidence and they haven't yet. They are stating my account with XXXX XXXX acct # XXXX. They are stating that this account 30 days late on XX/XX/22 in the amount of {$320.00}. XXXX has removed this incorrect information because they weren't able to support evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
Theres present accounts reflecting as open that Are not suppose to be on my account. Creditor insured it would be taken off. It is still reflecting negatively on my credit and should not be there and is also listed as an open revolving account. I have no knowledge of this. I did not approve this.

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 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion lowered my SCORE since last month by 39 points. I have called their customer service group twice and they could not explain this action.

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 2021-04-27
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: Public record information inaccurate

Complaint:
Getting very frustrated about this whole situation already. Clearly abuse of the system with failure to verify a bankruptcy. Which I have already disputed and put in a complaint on XX/XX/21 # XXXX where it was attached and confirmed that it would be removed. 

But XXXX  and Equifax are still reporting this account and stating it is verified Attached will show the copy of the complaints and responses I still have gotten and updated file from XXXX XXXX either since I requested with the information I sent by mail. 

I disputed, asked them to investigate and give me the source of the information and kept running me in circles asking for another disclosure here and just saying it was verified and not providing any information and anytime I asked they would say they needed another disclosure. 

I want a full revised report sent to me from XXXX XXXX. I want them to send the removal notice to XXXX  and Equifax to delete these items. 

XXXX  has not responded to a single dispute and keep giving me run arounds. This is completely unacceptable. It is my right per the FCRA to properly investigate items within a reasonable timeframe or remove it. 

Now how are they investigating items if I have a paper saying it was removed from my file but still almost 2 months later it is still listed. 

Before anyone get this complaint and claims to be unable to help due to verification please look at the attached items where my " CURRENT DRIVERS LICENSE WITH ADDRESS IS INCLUDED, SOCIAL SECURITY CARD AND A COPY OF A RECENT BANK STATEMENT. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've Reached out to Experian, about an account I believed that was reporting inaccurate information on my credit report. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : XXXX Reason : Date of Last activity showing different dates nad not reporting to Experian and reporting incomplete information This account is showing the terms of the account after its been charged off and closed this a violation of the FCRA and how can this account be reported is accurate when this false information on my credit is clear indication they dont care care about this laws that protect me or any other consumer, and the balance is wrong Now knowing this and understanding the laws that protect me and several other consumers from this happening they have not followed the rules and guide lines set forth for proper investigation because if they did this information would have been addressed by either being deleted or corrected and neither have happened so it is a blatant and false item that has plaguing me in trying to pursue a home and has been for over a year. I want this file removed Immediately before a suit is to be filed against the harm its causing me and my family ... Please see the attachment as my proof that this account is and has been reporting inaccurate on my credit report and blatantly getting ignored.

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 2019-12-04
Company: EQUIFAX, INC.
State: MO
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:
XX/XX/2019 sent in a request for removal of acct number XXXX us bankruptcy court because credit bureau can't give me proof of verification from local court office ... .the local court office has informed me they do not complete third party requests for verification

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: Source Receivables Management LLC
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:
I have been subscribing to various credit monitoring services for quite some time now due to fraudulent activity. Today, I received a notification from XXXX XXXX that a new collections account was placed on my credit with XXXX. Though it is not currently showing up on the other two ( 2 ) bureaus, it is unknown whether this creditor intends to report to the other bureaus as well. I was never contacted by XXXX XXXX  prior to this account being placed on my credit. Had they of contacted me, I would have provided them with the FTC Identity Theft report that was previously filed including this account. Previously, the only information I had was that there was a credit inquiry from XXXX. This is the first I have been made aware that an actual account had been established. This creditor has violated the FCRA by placing this account on my credit report without first giving me the opportunity to dispute the debt as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Old Navy Sychrony Bank will not work with me during covid-19 relief. My state has several laws, orders, and ordinance Regarding consumer protection during covid relief. I contacted customer service XXXX XXXX and spoke to a customer service representative and two supervisors company still disregarded my request and made them aware of the laws in my state. 
I complained to the Attorney Generals office and was not given a solution. The person responded that the correct thing to do was to contact customer service when in fact I had already done so as stated. They did say they are willing to abide by the state laws. A late fee was also assed on the account and needs to be waived.

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 2023-05-13
Company: Collection Bureau of America Ltd.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation