BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-24
Company: Experian Information Solutions 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 information incorrect

Complaint:
XXXX XXXX original creditor XXXX XXXX - continues to report to Experian and XXXX a collection/chargeoff in the amount of {$400.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I have contacted XXXX XXXX as well as XXXX and they have no record of this account in my name and they can not verify this account belongs to me. I have requested on multiple occasions that this account be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well to remove this however, I have not been successful.

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 2018-09-26
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received information from my employer today, XX/XX/18, regarding a wage garnishment from a collection agency, XXXX XXXX XXXX, on behalf of Department of Education. However, I have received no correspondence from this company until the wage garnishment notice my employer forwarded to me. I had previously requested a deferment for my student loans due to prolonged unemployment and only returned to work full-time 3 months ago and have made 2 monthly payments towards my loan, which were sent directly from my bank using online bill pay feature.

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 2023-04-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 XXXX XXXX ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Was never contacted by XXXX of my collection. This collection is five years old i am trying in good faith to resolve this issue but i was never contacted. They are saying i owe then a rediculius amount of money.

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 2021-01-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The company is reporting an account XXXX  XXXX XXXX that displays included in Bankruptcy but there's no open or active Bankruptcy reporting on the credit report! Accurate information must be included on all consumer reports or the file should be deleted immediately! I have previously disputed this account with XXXX  on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 and XX/XX/20. The company has exceeded the 45 calendar and business day timeframe allotted for investigations. Therefore, I am demanding that this item is deleted effective immediately. I will proceed with legal action if the item isn't deleted within 5 business days from the date of this complaint! 

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Accordingly, pursuant to the Fair Credit Reporting Act, please mail a copy of the full printed consumer report to my ONE mailing address that you have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: IL
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:
There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Late Payment XXXX # XXXX XXXX # 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 2019-08-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this problem more than once with the credit bureaus and gave statements and presented documents and still no progress I have been paying this company for my car after it got repossessed they are reporting false information and they are not showing anything I've paid since the before the repossession they are also reporting I have 29 missed payment and that's not true if that was so they would have repossessed the car again the way the payment arrangements were set up by weekly and by weekly my dates went along with my pay dates I asked to split my payments in half and the amount we agreed on I paid for awhile and I called them and set up a different amount they agreed but they are still showing I'm not paying so I have negative marks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been getting threatening calls on my cell and home phones from XXXX XXXX XXXX for about 3 years. The person they are looking for has my same name, the Social Security number and date of birth is different than mine. I have explained this to them to no avail. The last call was XX/XX/20019 at XXXX XXXX. They call almost on a daily bases leaving messages. What can I do to stop this abuse? My credit is very good. I do not owe any money at all to anybody. 
Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Unauthorized Macys purchases XXXX cant close checking account/ dispute XXXX XX/XX/2021 Macys account information distributed on dark web Cell ported number Fraudulent representatives/phone contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA

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 2018-03-09
Company: OUT TECH, INC.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called the XXXX XXXX XXXX  XXXX XXXX OF ACCOUNT XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX on XX/XX/2018 and spoke to 3 different people. I had asked that if I paid the {$54.00} that was on my credit report would they agree to remove this debt from the report. I had asked for this in writing or via email. They told me repeatedly that they remove it as a curtesy and would not send me something in writing before I paid. They told me the only thing they would do was send me a receipt after I paid and told me the actual amount that was owed was {$88.00}. They told me that they can not report any debt under {$50.00}. When I asked again to see this in writing they told me that their calls are recorded and that would be my proof. I told them that doesn't give me anything because they are the ones with the recorded call.. not me.. I asked again to have the amount in writing and was denied. I thanked them for their help and hung up.. This doesn't seem legal or legit to me. I want this removed from my credit report ( s ). Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I was paid by check for work I performed. I don't have a bank account, so I asked my brother in law to deposit the check for me and he did, using his account ( XXXX ) at SunTrust ( Truist ) via mobile deposit. I didn't realize that the person who wrote the check XXXX XXXX XXXX forgot to sign it. XXXX was contacted by his bank, and he authorized the funds to be released on XX/XX/2021. SunTrust flagged the transaction and did not allow the funds to be available in my brother in law 's account. I went to SunTrust with XXXX to figure out what needed to be done on XX/XX/2021. The branch employee contacted the necessary department, and told us we needed to write a letter showing all parties involved were aware of the transaction and wished that it be honored. We wrote the letter and had our signatures notarized and faxed it to the number provided on XX/XX/2021. SunTrust verified receipt of the letter. On XX/XX/2021, SunTrust closed my brother in law 's account and gave him a check for just the funds he had in the account, not including my {$13000.00}. I went to the branch on XX/XX/2021 to ask about my funds and the branch manager stated that it was in process and I should receive them within 15 business days. Today is XX/XX/2021, I went to SunTrust again to ask about my funds, and they stated that they never received the funds from XXXX 's bank. I have verified with XXXX and his bank, and have been shown the transaction where the funds were taken from XXXX 's account. This is unfair and prejudice against me because I am XXXX. We have made every effort to do what they ask. I work hard for the money I earn and I have a family to support. I can't wait any longer for the money. Please help.

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 2019-10-23
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 am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

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 2022-10-04
Company: Navient Solutions, LLC.
State: OK
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My debt was XXXX because of XXXX fraudulent practices, which Navient Solutions LLC was well aware of. They passed the collection off to XXXX XXXX XXXX who keeps attempting to collect. Ive told them that they can check with XXXX XXXX and/or Department of Education for verification, but they insist on pursuing the XXXX debt and I want them to stop. Please make this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On Thursday XX/XX/XXXX on a phone call with XXXX XXXX from Quicken loans we discussed my refinance application. On that call I expressly denied permission to perform a hard check on my credit until every single other step in this process was completed. I told the banker my score and he said he could get the information he needs from my tax returns and by asking questions via email. So he emailed me later that day to obtain my tax returns and ask some of those questions. On Friday XX/XX/XXXX he performed that hard check on my credit without my permission. I believe this is illegal as I did not give permission and I actually purposefully denied him permission to do this. He has since stopped communicating with me. I have left a voicemail for his supervisor on XX/XX/22 at XXXX but have not heard back yet. Here is the banker 's contact info : XXXX XXXX XXXX XXXX Quicken Loans Direct : ( XXXX ) XXXX Cell : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | NMLS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: JPMORGAN CHASE & CO.
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:
theres an account that doesn't belong to me that has been reporting to my credit and is preventing me from getting employment and A home. 

jp morgan has already sent me A letter stating that they did research and the account is not mine but XXXX  still has not removed said file from my report this is my 3rd time over 90 days reporting this. I have all of the mail receipts and documentation. 

attached the letter from the jpmb services stating that its not my account driver license and ssn

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt has been settled and paid in full with this company and I want it removed and report to all 3 credit reporting agencies This company MIDLAND assured me it would be done once payment was settled and they have yet to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09
Company: PRESTIGE FINANCIAL SERVICES INC
State: MN
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:
Prestige financial garnished my wages and still have me listed as owing them money 2 different amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Resurgent Capital Services L.P.
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:
On XX/XX/XXXX, I sent a letter to XXXX XXXX and XXXX requesting for the deletion of inaccurate, unknown accounts on my credit reports. 

Specifically, a company named XXXX XXXX reported a {$400.00} charged-off account, opened in XX/XX/XXXX, to XXXX XXXX XXXX XXXX. XXXX XXXX sent the account referenced above to a collections agency named Resurgent Capital Services LP in XX/XX/XXXX, for the amount of {$420.00}. 

I have never opened an account with XXXX XXXX and do not know anything about the charged-off and collections accounts yet all three credit bureaus are still reporting these inaccurate accounts on my credit report. XXXX  updated my credit report with the following comment : " the company reported certified to XXXX that the information is accurate ; XXXX  updated my credit report with the following comment : " account information disputed by consumer, meets FCRA requirements '' ; and XXXX updated my credit report with the following comment : " consumer disputes after resolution ''. 

I was curious as to how XXXX XXXX determined that an inaccurate account should remain on my credit report. Between XX/XX/XXXX and XXXX, I wrote additional letters to XXXX XXXX, XXXX XXXX XXXX XXXX requesting for the description of the procedures used to determine the accuracy of the disputed information and for validation obligating a payment. 

I have not received any responses from XXXX XXXX or the credit bureaus. I am currently experiencing financial harm because of these companies ' negligent reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I found these two charges on my accounts and reported them to PenFed ; First of all they did not process my both of the transaction only one. 

Then they made a decision via a letter without even consulting me for a rebuttal. 

They will ignore me always put me into voice mail or hang up on me and make me call back and wait hours. 

I provided them proof that I never signed up or authorized this XXXX  XXXX  membership and they still refuse to process the refunds to my account. 

I was told by XXXX XXXX that this is not a dispute and I must file a fraud claim and PenFed is not doing so. 

Good Morning XXXX XXXX, I am writing you about your decision declining my disputes ; {$320.00} XXXX/XXXX/2020 {$470.00} XX/XX/2020 From my understanding from others within Penfed you declined my dispute because of documentation you received from XXXX  XXXX  that I signed up for their XXXX  XXXX  membership. Not sure what documentation you were looking at however I received this from XXXX XXXX and think you would agree this has nothing to do with me nor did I authorize this charge on My Penfed card. Please reconsider your decision and let me know the outcome. If I need to dig deeper for you I will. This explains why I knew nothing about this order because it had nothing to do with me. 


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 2022-09-04
Company: EQUIFAX, INC.
State: TX
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:
opened : XXXX XXXX amount : {$58.00} accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
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:
inaccurate information on credit report has not been removed from 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 2020-05-28
Company: FISERV INC.
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
XXXX I started the activation process, provided card #, SSN and Sec Code. Then, the automated service cut me off and transferred me to a call person. Wait 20 minutes, they called back, asked for my SSN, I was uncomfortable giving it out, he transferred me to automated service, there were two automatic messages going at the same time, so after about 10 minutes listening I hung up. Now, when I call back, after I enter all my data, it just says " unable to complete '' and hangs up. This is the same process for activation or to speak to a rep, so I am unable to speak to someone or get the card activated. It almost look like a scam.

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