BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: VA
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Navient Solutions, LLC.
State: CO
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:
Received notification that my account was past due in the amount of {$960.00}, however when logging into my account it shows a past due amount of {$630.00} and they have n't received a payment since XXXX/XXXX/XXXX, though my payment history on their very same portal page indicates otherwise. Note no payments have been made between these two conflicting amounts. The deliquent payments have a date of XXXX/XXXX/XXXX, though a payment in full was deducted from my account on that day and shows as 'received ' under their payment history. I call Navient because my account is set up on auto pay and I had no delinquent payments per their provided account history. I called on XXXX and was told that my payment for XXXX was already showing as delinquent and that it was a system error, the gentleman said that he was submitting a ticket but due to the holiday it was showing that it would n't process until XXXX XXXX, XXXX. I called again on XXXX XXXX, XXXX as I received another delinquency notification, spoke to a different representative who went through the notes and confirmed that they are resolving the issue and to check back after the year end, I asked for documentation and she said she was unable to provide anything. Called again on XXXX XXXX, XXXX to check on the resolution and the representative said the issue has not yet been resolved and that I could do a forbearance on my account to make it current, I declined as I have always made timely payments and my account reflects as such under the payments section so it was misleading and in bad practice to recommend a forbearance. I asked to be transferred to a supervisor who then speculated that the Auto pay cycle set up for me by them was incorrect and I may actually owe one of the cited amounts. No one was able to view my screen or have an insight into what is actually going on with my account. Their practices are misleading and unorganized. As a consumer who pays my student loan payments on time every month ( to the tune of about {$600.00} ) I was left in tears and with no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Amsher Collection Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account was set up in my name by my XXXX after I left the household. She never paid the bill in the amount of {$290.00} and now it is showing as a collection on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2017-07-27
Company: 360 MORTGAGE GROUP LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
360 Mortgage LLC in XXXX Texas has been collecting payments via escrow for Property insurance for the subject property. 360 mortgage 's under-educated Insurance group is refusing to pay the property insurance policy because they want to change the policy/ dictate to the insurance company and property owner how the policy needs to be titled. ( they are listed as lienholder - that is the only matter they are entitled to dictate ). We have had this discussion each year for the past three years. Now they have refused to pay the policy and I have received a notice of cancellation of the policy. Whether this is just under-educated people attempting to practice law without a license because they do n't know local laws or insurance underwriting, or whether this is a wholesale attempt to cause the existing policy to lapse so they can force-place a more expensive policy thru an affiliate, it smacks of fraud. They represented they were collecting insurance payments each month into an escrow account so that the policy could be paid - when in reality they have now refused to pay the policy. I recommend their loan servicing practices be investigated for consumer abuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within XXXX days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
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: Information belongs to someone else

Complaint:
I was checking my credit report, there are so many negative information. I told you, these information do not belong to me. Im sure that someone have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, XXXX, I mailed a validation letter to XXXX XXXX XXXX for the debt for {$310.00} they are reporting on my file. USPS Tracking : XXXX XXXX XXXX XXXX XXXX ). 

It has been more than 45 days since they 've received the document now and I still have n't received any validation of the debt from them. I communicated with XXXX and they advised me to contact The Collections Agency, which I did, however no response.

This company has violated the Fair Credit Reporting Act and I have will pursue legal remedies if the item is n't removed from my credit report. They never updated the credit bureaus with the item being in dispute, neither did they respond to me. 

This company needs to be held accountable for their lack of compliance with the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: SYNCHRONY FINANCIAL
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:
SAM ; S ACCT HAS BEEN PAID DOWN TO {$200.00} BALANCE > STILL SHOWS {$910.00} THAT I OWE > PAID OVER MONTH AGO. ACCT XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
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: Personal information incorrect

Complaint:
Hello, My name is XXXX XXXX XXXX. I have supplied Experian Credit Bureau with the proper documentation such as my Driver License, Social Security Card and utilities for proof of residency to aid them in removing the fraudulent data from my file. 

To date, Experian Credit Bureau is still reporting wrong names for me, 3 unknown social security numbers and 3 fraudulent accounts. I am requesting your assistance before I take the matter to Federal Court-I don't know what else to do. 

Please See incorrect information below extracted from my credit report XXXX XXXX XXXX XXXX I don't have a middle name XXXX XXXX XXXX not my name XXXX XXXX XXXX- I don't have a middle name None of the Social Security Numbers that appear on my credit report are mine XXXX XXXX XXXX Fraudulent/Unknown Accounts- that obviously belong to the other social security numbers 1.XXXXXXXX XXXX  Account numberXXXX- Fraudulent Account 2XXXX XXXX  Account number XXXX Fraudulent Account 3. XXXX XXXX XXXX XXXX Account numberXXXX Wrong person not me 4XXXXXXXX XXXX XXXX XXXX Account number XXXX Wrong person I have not applied for credit .... the inquires have been placed in my name fraudulently XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX., XXXX XXXX Date of request XX/XX/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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is inaccurately reporting a bankruptcy on my report along with multiple accounts they are stating was included in a bankruptcy. 

The court house it states it was filed at sent me a letter stating they do not provide such information to credit bureaus. 

Transunion verified it. When I asked who they verified it through they stated XXXX XXXX. 

When I sent the letter from the court house to XXXX XXXX, they deleted the information immediately as it was all inaccurate. 

When I tried to re dispute the inaccurate information with Transunion they wont allow me because they claim they have already verified the info. If the courts stated they dont provide bankruptcy information to transunion. XXXX XXXX doesn't have a bankruptcy on their file to verify it and their accounts, then it is not being verified and transunion is lying about verifying the accounts and the bankruptcy along with any information pertaining to a bankruptcy needs deleted immediately.

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 2018-01-06
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: IN
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 recently been trying to repair my credit situation. I have learned that the list of company or banks have put a hard inquiry on my credit. I know this inquiry to be false because the date and companies list below i have NO knowledge of applying or giving my consent to any of the below companies. I have been working in XXXX for the past few years and currently still here in XXXX. I 'm wanting to get these hard inquiries off my credit report. I have tried calling the companies with phone number listed. But I havent had much luck getting though by phone due to the remote area I 'm working in. 

please let me know if you can assist me with getting these item removed from my credit report. 


XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, IL XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX CXXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXL XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: UT
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 AM A VICTIM OF ID THEFT. 
EQUIFAX INC EQUIFAX LLC EQUIFAX CONSUMER SERVICES ARE NOT FOLLOWING THE FCRA RULE OF LAW. 
EQUIFAX INC. IS NEGLIGENT.

EQUIFAX INC HAS CAUSED DAMAGES TO MY NAME.

EQUIFAX INFORMATION HAS CAUSED DAMAGE TO MY FAMILY FUTURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX is reporting inaccurately on my credit file and they are in violation of the FCRA & the Bankruptcy Courts. 
They WERE NOT included in my bankruptcy and in fact I have never missed a payment and have been current, which they have verified. But because I filed bankruptcy they have to stop reporting, they can not continue to report and damage my credit after a discharged bankruptcy.

They did n't stop reporting until XXXX and it is affecting my financing. 
They are clearly in violation. They need to put the dates back to XXXX or delete it from my credit report. 
They will not help me and I have been trying for a long time. Someone needs to ensure they fix this. 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 2018-01-04
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX, junk debt collector trying to collect on a debt that was XXXX in bankruptcy in 2005. 
Calls repeatedly numerous times of the day. Have explained the debt was XXXX in bankruptcy and asked them to stop calling. They hang up on me and begin to call the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Debt Recovery Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX.XXXX.2017, I was notified that Debt Recovery Solutions LLC, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, was reporting that a collection on my report. I immediately contacted the agency that this was not my account. I had disputed and removed this account previously and I am at a loss as to why this is back on my credit report. I requested validation in writing from the company and submitted a disputed verbally. I received one paper that looked like a receipt. I did not receive anything showing that I had been treated, no original documentation with my signature, no account number, or that I had been treated to incur this debt. I also disputed this with XXXX, and was told that the agency had clicked a button stating that it was my account and that was good enough. NO DOCUMENTATION has EVER been provided because I was not seen, this company is reporting fraudulent information and it needs to be removed. I will report this fraudulent action to every government agency I can until practices like these are stopped. Tis company gives other legitimate collection companies a bad name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/2019, I called wells fargo to report an unauthorized XXXX transaction in the amount of {$400.00}. The rep stated they would file a claim and that I would have an update within 10 business days. Rep also stated that a fraud investigator would contact me that week. At the end of the week I called WF and was told the initial claim was setup incorrectly and that they would need to create a new claim, rep told me I could call back in a few days for status. On XX/XX/2019, I called again and was told the claim has been misfiled again! Was told a new claim would be setup and rep advised me to put in writing that I did not initial fraudulent charge. On XX/XX/19, I called for an update and was told that a new claim was started on XX/XX/19. I did not initiate a new claim or speak to anyone at WF on XX/XX/19. After being on the phone for 45 minutes, I was transferred to the executive office where another rep told me a claim would be set up AGAIN. She placed me on hold and the call disconnected.

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 2021-09-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I originally applied to XXXX mortgage for my mortgage was approved and closed/purchased my home. A mortgage service company XXXX mortgage provided mortgage services to my account but was never the lender or owned my mortgage. XXXX  mortgage is reporting as a separate mortgage on all three major credit bureaus giving my credit report the appearance of more debt and credit history of late/missed payments. XXXX mortgage is also reporting the exact same information which is correct but XXXX mortgage services need not report this on the same mortgage. Ive tried disputing with all three credit bureaus without any luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Augusta Collection Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AUGUSTA COLLECTION AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX has been sending me collection notices in the amount of {$2500.00} XX/XX/2018 2.. THIS COLLECTION HAVE BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANT DOES NOT HAVE A CONTRACT WITH MY SIGNITURE.

Company response to consumer: Closed with explanation