BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-10
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:
My credit report contains an mortgage account from XXXX / XXXX XXXX which I have contacted XXXX and they confirmed is NOT mine. I have contacted the credit agencies multiple times on this and MENTIONED that XXXX has confirmed no account exists with them, and it continues to remain on my account, without explanation or evidence that the account belongs to me. This is extremely upsetting and frustrating. This is inhibiting my ability to purchase a home. Thank you for all your 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 2019-02-10
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 information incorrect

Complaint:
My credit report contains an mortgage account from XXXX / XXXX XXXX which I have contacted XXXX and they confirmed is NOT mine. I have contacted the credit agencies multiple times on this and MENTIONED that XXXX has confirmed no account exists with them, and it continues to remain on my account, without explanation or evidence that the account belongs to me. This is extremely upsetting and frustrating. This is inhibiting my ability to purchase a home. Thank you for all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2019, I mailed in a dispute to Experian, XXXX and XXXX Credit Bureaus to notifying them that I am a victim of identity theft. I provided my police report and FTC report filed for the identity theft. I requested that the fraudulent accounts be removed from my credit and the creditor be made aware of this discrepancy and the removal of this account from my credit report. When my dispute results came back, the fraudulent information was removed/blocked. On XX/XX/2019, I received a letter from Experian stating the account is now being reported on my credit report, again, because they receive information from XXXX XXXX XXXX stating it was my account, even after I provided all the information necessary to remove/block this from my credit report. My personal information was used to obtain this credit card and many other credit cards, lines of credit, loans and bank accounts. I have both tried working with Experian and XXXX to resolve this issue, so now I am taking it a step further to have this resolved as quickly as possible. This case is being worked on by my local police department, to possibly find out who is responsible for stealing my identity and fraudulently opening accounts using my personal information.

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 2017-12-11
Company: Nelnet, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I graduated from my XXXX and XXXX program in XXXX XXXX, I immediately went into after school deferment for 6 months ( XXXX XXXX ). Afterwards, I was in financial hardship for a year until XXXX XXXX, but Nelnet serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted Nelnet in XXXX XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XXXX XXXX. My credit report shows paying ontime up until XXXX XXXX but shows 90 Days late for XXXX and XXXX XXXX for Nelnet for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with nelnet and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to Nelnet in XXXX XXXX for my loans to be sent to them, they stated they finally received it in XXXX XXXX, my deferment ended in XXXX XXXX. But nelnet refuse to take actions to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Navient Solutions, LLC.
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
3rd attempt to clear inaccurate information from Department if Education/ Navient on my credit profiles. I reached out in 2020 and spoke with several reps and supervisors to investigate. i was told that they default status would be dee moved along with all negative credit updates. This was due to Navient reversing back to an outdated email address after i updated correctly. No correspondences was received via that email. A letter is attached that was provided to me as a temporary promise to reversing this error. Please send this to Navient immediately for credit profile to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
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: Was not notified of investigation status or results

Complaint:
Made several attempts to request feedback regarding complaint filed with information on credit report. Company failed to verify, comply and respond according to FCRA Guidelines.

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 2023-04-12
Company: Bull City Financial Solutions, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed that a bill city collection was on my credit account. The original debt holder was a power company who stated that I had power with them in Indiana. Ive never lived in Indiana. Bill City informed me of all the documents that I needed to provide to them to verify it wasnt me. I sent them a police report that I filled regarding the identity theft, my lease agreement with my apartment complex during the time period of the power bill, my identification, and the information I had to complete with the identify thrift website. After doing all of this the account was removed from my credit report. I check my credit report Thursday XXXX XXXX because I received an alert that I new collection had been added to my account. Bill City had put the collection back on my credit. I called the em and the lady stated that she seen the paperwork and that it had been removed and then placed back on but the original best collect told them to place it back onto my credit report and that I needed to call them. I know that once a debt is sold to a collection agency the original collect doesnt have anything to do with it. She insisted that I call and they told me the same thing that they didnt tell them to put it back in my credit report that they sold it to them and had no say so. She stated that she would escalate my call to upper management to see what can be done to fix the issue. I still havent heard back from neither party and the negative account is affecting my credit and I need it to be resolved once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been repeatedly denied for a mortgage loan due to the wrong information being reported on my credit report. I have student loans and am currently in the Public Service Forgiveness Loan repayment program. According to government guidelines, a creditor ( mortgage company ) may use the payment that is reported on the credit report as the monthly debt. However, they are reporting my monthly payment as " XXXX  '' ( {$0.00} ) despite the fact that I make monthly payments. As a result, I have been denied a mortgage loan for the past two years. I have attempted to resolve this with the Federal Student Loan Servicing Agency and was told that the only thing they report to the credit bureaus is the balance and if it is paid on time. This is absurd. I have an auto loan and it clearly states what my balance is, what my monthly payment is, how long I have had the account, etc ... They are unwilling to change their practice of not reporting the actual monthly payment and as such, many of us are being denied mortgage loans. I have been attempting to resolve this issue over the past two years and it is wrong for them not to report a monthly payment amount. It makes no sense that I am paying on a loan that shows a XXXX  monthly payment amount. Does this mean that I don't owe anything every month? Of course not. Why? If I didn't pay because it says a XXXX   monthly payment, they would garnish my check and report it to the credit bureaus and my student loans would be in default. This practice of reporting a XXXX  monthly payment amount is hurting a lot of us who have student loans. We are being turned down for mortgage loans left and right despite having good credit and income. I need help as I have been waged in an uphill battle with this and can not get any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 accounts 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 these 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 U.S.C 1681s-2 ( 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 2023-06-13
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: Information belongs to someone else

Complaint:
Please remove unauthorized accounts and inquiries off my credit report Accounts : XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XX/XX/XXXX {$3600.00} Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-05-23
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: Their investigation did not fix an error on your report

Complaint:
XXXX and Equifax are currently still reporting an account from XXXX XXXX XXXX that the company itself has said to be deleted as the account was inaccurate. 

In XXXX of 2021 my husband and I sent a joint validation letter to XXXX XXXX XXXX in regards to an entry listed on my credit report. XXXX responded that they were not collecting on this account and the account had been sold to a collection agency, XXXX XXXX. I then sent a copy of this letter to all 3 major credit bureaus and was deleted from just XXXX on my credit profile and XXXX  and Equifax on my husbands credit profile. 

Later in XXXX of 2021 we sent a validation letter straight to XXXX XXXX requesting a proper validation for this account. We received two letters dated just a day apart stating that XXXX did not have knowledge of this account and the other stated that they were ceasing collection on this account. 

Each month I have sent copies of these letters to XXXX and Equifax requesting deletion of this account but it is still listed. I would like to have this account removed as it is causing serious harm to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: WI
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Phoenix Financial Services LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Per my credit report Phoenix collection has placed the same charge on my credit report twice. Which is double charging me for the exact same debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
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 XXXX XXXX I am writing to dispute the following information that XXXX XXXX XXXX XXXX supplied to Experian, XXXX and XXXX This item XXXX XXXX XXXX XXXX is inaccurate because I never requested to open a credit card with them nor ever had their credit card. I am requesting that XXXX XXXX XXXX XXXX have the item removed. 

Sincerely, 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 2019-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
On XX/XX/19 my full balance payment of {$280.00} to Kohls charge card posted to my account 2 days late ( due on XX/XX/19 and XX/XX/19 was legal holiday ). I did not realize that it posted late or that I had accrued a late fee. I thought I had a XXXX   balance. I was not aware of any other statements that stated I had a late fee. 
On XX/XX/19, my XXXX account notified me of a 75 point drop in credit ( from over 800 score previously ). I immediately investigated and found that I had a {$27.00} late fee + {$2.00} interest incurred from XX/XX/19 and called Kohls to pay the late fee charge over the phone. 
Over the past 6 months, I have disputed with XXXX and sent letters to Kohls to get the late payment charge for the late fee removed. The last response from Kohls refusing to change the credit reporting was XX/XX/19. The purchase balance was never 30 days late-it was 2 days late. It was the late fee that I did not know about that affected my credit report. I contacted Kohls last month and they actually reversed the {$27.00} fee that was charged on XX/XX/19 but they will not remove the late payment reporting for that {$27.00} charge plus the {$2.00} interest fee for a total of {$29.00}. I am unsure why I am still being penalized for a late payment for a late payment fee that was reversed. This has taken my credit score from over 800 points to XXXX and affected my ability to get a good interest rate on a refinance ( it is now in my husbands name only since my score affected our ability to get a prime interest rate ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-07
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/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