BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I contacted each credit reporting bureau.Equifax, XXXX and XXXX XXXX requesting information and documentation of their procedures for validation and verification of information on my credit reports.i requested information under the FAIR CREDIT REPORTING ACT and FAIR DEBT COlLECTION PRACTICES ACT to investigate information and supply me with their method of verification and validation to include a copy of their procedures, name, address and phone number of each person contacted to verify the information and copies of ALL documents in my credit file to support this information such as the contact with my signature, receipts with my signature and all three have failed to provide me with this information.I have sent request for this information 3 times to each credit reporting bureau and still have not received the information or any deletion and was replied with a message that they have already investigated the information and verified it and will not re investigate it. 
I need the requested information to verify the information collected is valid, correctly reported and accurate as I plan legal action and need the information for my legal case.could you please have them provide me with the requested documents or have them delete these accounts as they have no proof of my obligation to pay or that the reported information is correct and accurate. 
Thanks in advance for any assistance. 
Sincerely, XXXX XXXX D.O.B XX/XX/1964 SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was pall in full on XXXX XXXX in the amount of {$500.00}. I'm waiting for the derogatory mark to come off my credit report. The representative i spoke with was not helpful and couldn't say. I just need this mark to show as paid and for it to be dropped.

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 2023-11-13
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting 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 diligently contacted your organization multiple times to dispute the fraudulent items on my credit report. These items are not a true representation of my financial history and have caused significant harm to my credit score, making it difficult to obtain loans, secure favorable interest rates, and meet my financial goals. 

I have attached the following supporting documentation for your review : Copies of all correspondence and dispute letters submitted to your bureau regarding the fraudulent items. 
Evidence proving the fraudulent nature of the items, such as police reports, affidavits, or other relevant documentation. 
Any documentation highlighting my responsible financial behavior and positive credit history. 
Despite my continued efforts, the fraudulent items remain on my credit report, causing ongoing distress and financial difficulties. I am deeply concerned that these inaccuracies may hinder my ability to secure housing, employment, or access credit services, and they pose a significant threat to my financial security. 

I am formally requesting an immediate and thorough investigation into this matter. I implore you to take prompt action to remove the fraudulent items from my credit report and ensure that my credit history accurately reflects my financial responsibility. 

Furthermore, please provide written confirmation of the resolution and the steps taken to rectify the situation. I expect a timely response in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines, which require a response within 30 days of a dispute. 

Failure to address this matter in a satisfactory manner will leave me with no choice but to explore the legal remedies available to me under the FCRA and other applicable laws. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance Owed : {$6800.00} XXXX XXXX  XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$6800.00} XXXX XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am actively serving in the United States XXXX XXXX and am looking to use my VA benefits this year to purchase my first home with my husband. Upon review of my credit report, I noticed a 60 to 90-day late payment on my student loan ending in XXXX in XX/XX/2018. However, per review of my XXXX account : I made a forbearance payment XX/XX/2018. If forbearance covers me for 30 days, why is it that I was reported 60 to 90 days late on my credit report in XX/XX/2018? Please see attached. 

I monitor my account closely so based on this information, my account was current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06
Company: Sterling Infosystems Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was reading this report u sent me and a see that a diff name was on the list XXXX XXXX. That is not my name never had been I never use it. And wanted to know how do I get it taking off? Also with the XXXX XXXX  I've never had that also. Everything else is ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 an account was opened in the Barclay 's Bank. The balance amount was {$530.00}. The Business type was XXXX. The street address of the bank is XXXX XXXX XXXX XXXX, XXXX, Delaware. Zip code : XXXX. I do not recall opening an account.

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 2023-07-24
Company: EQUIFAX, INC.
State: NV
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 sent a letter last XX/XX/XXXX to remove the following negative items listed in my file that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$330.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DE
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the unauthorized inquiry reporting on my Credit Report : FIFTH THIRD Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: TRANSWORLD SYSTEMS INC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I would like to know who the original creditor is and how was my personal information obtained and used to open the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
All my GA UI Covid benefits were stolen off mybWay2go from GA DOL. I have filed several fraud complaints with GADOL, IRS, FEMA disaster fraud but have not been able to recover any of the funds. I spoke on the phone with DOL and the issuer of the card, however my situation has not been resolved after a year of continues complaints online and on the phone. The card is FDIC insured which I would assume would refund the lost funds, while waiting for GADOL to investigate. I need help in order to successfully recover the {$18000.00} stolen from me using my Way2go from the GADOL. My previous attempts and complaints have been unsuccessful at resolving this matter and recovering the funds. I need to know who to contact an what steps I need to take in order to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13
Company: NAVY FEDERAL CREDIT UNION
State: DE
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the unauthorized inquiry reporting on my Credit Report : NAVY FCU Date of inquiry XX/XX/2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have an " XXXX XXXX XXXX '' credit card through Bank of America. When I acquired this card in XX/XX/2019 I immediately set up autopay for " amount due '', assuming this would pay the monthly balance not including pending charges. The other options were " minimum amount due '', " account balance '', and " fixed amount ''. I recently logged into my account and found that I have been paying the minimum amount this whole time. I called Bank of America and was told that " minimum amount due '' and " amount due '' are the same thing. I would never have chosen to pay the " minimum amount due '' because I don't want to rack up a huge balance and pay interest on that amount. I feel it is deceptive if not fraudulent to include these two options along side each other when they are the same. I have been paying hundreds of dollars in interest and it's not fair.

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 2023-11-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2023 ( National Credit Adjust LLC ) Flagged my account as collections for the amount of XXXX This amount was charged off about 2-3 months prior to this showing up. For a 7 and a 1/2 year old debt with XXXX XXXX XXXX XXXX This company is trying to collect on a charged off account! 

XXXX XXXX is also responsible for Selling this account to them after the charge off date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: Navient Solutions, LLC.
State: CT
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from the company named Pioneer Credit Recovery.  They claimed that i owe XXXX. I also was contacted via mail and phone by XXXX XXXX XXXX which claims to represent XXXX XXXX   XXXX  : this company claims i owe a total of XXXX. These companies have been debiting my personal bank account each month due to me signing up for a student loan rehab program to get my loans out of deffault status. Induction into these programs required me to agree to unconventinal stipulations within the law that binds collection agency practices. The ammounts listed include collection fees and other fees beyond the principle ammounts owed to the orriginal guarantors of these direct stafford and ffel student loans. 
I confirmed this on the nslds.ed.gov website and fafsa.edu.gov and navient. 

One of the collection agencies also took innital steps to garnish my wages and/or innitiate a treasury offset, if needed. Both these companies actions are questionable, possibly fraudelant.

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 2023-11-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. XXXX XXXX XXXX, Account # XXXX In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-08
Company: EQUIFAX, INC.
State: MD
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:
Equifax continuously mismanaged my credit report. In XX/XX/XXXX they reduced my score 36 points just because I got a credit increase of XXXX. I believe someone is purposely sabotaging my report at Equifax because I have previously complained about them. They are the only credit bureau that continuously maintains the lowest scores for me. They continuously report inaccurate information. I got a credit increase and XXXX  score went up 10 points. I believe that they are targeting me I would like to have a serious investigation done. How can I have XXXX at XXXX  and XXXX with equifax. I just had a miscellaneous derogatory late information removed from my mortgage company in XXXX and it's not reflected in my score. I want them fully investigated because I want to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Orion Capital Solutions LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a voicemail on XX/XX/2019 ( transcript attached ) from this company. The message was very vague but tried to imply there was some legal action they were going to make. 

I called the number provided to get more information on the " unresolved business matter '' and they refused to or were unable to provide any information other than I supposedly had a loan they were collecting on. 

I asked for the details about the loan and the lady said it was deposited to a XXXX (? ) bank account. I told her I do not have an account with any bank with that name and she told me sometimes they get the bank information wrong. 

I advised her I do not have any outstanding loans and asked for the name of their compliance officer so I can send over documents disputing the debt. 

She was not able to tell me who the compliance officer was. All they would do is give me a fax number to send anything I wanted to send. 

I sent the attached documents but never heard anything back.

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 2021-05-21
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Purchased a new XXXX truck around XXXX of XXXX. XXXX was totaled in auto accident XXXX of XXXX. XXXX XXXX received money from insurance company and released vehicle. A small balance was left but no statement was sent to inform me of the balance. 90 days passed before I was made aware and XXXX XXXX had flagged my acct as 90 days past due. I immediately paid the balance in full. I have disputed this numerous times and spent countless hours on phone with XXXX explaining the issue to no avail. The acct also continued to show {$0.00} past due after balance was paid in full. Please have the XXXX accounts removed from my credit reports.

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