BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Recently It was finally discovered there were two credit files that needed to be merged with Equifax. I recently filed a complaint against Equifax XXXX ... It was discovered by XXXX XXXX XXXX XXXX XXXX after contacting business equifax of the two files. I verified info last week of XXXX having them finally mergeged with the 2 loans disputed added on 1 file! Now my delima is my score represented of the change of BOTH FILES BEING MERGED RECENTLY ... PLEASE ASSIST

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01
Company: Experian Information Solutions Inc.
State: MI
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:
on XX/XX/XXXXI filed a dispute with Experian. The dispute was for an account that I believed to be a duplicate. it ended up being my mistake as it was not a duplicate. However, once the agency settled the dispute, Experian marked my report for this account as being a charge off for XX/XX/XXXX. This is incorrect as this account was charged off 4 years ago and bought by another lender. this " new '' charge off status caused my score to drop. I have since disputed it 2 more times with the most recent beingXX/XX/XXXX. Today I received a notice that the dispute was settled, no changes made to report and my score dropped another 5 points as a result of the dispute. They are saying they are only reporting what the Creditor is telling them, however, when contacted, the creditor shows the account was charged off and sold a long time ago. 
the creditor is XXXX XXXX XXXX XXXX We just need them to remove the Charge off status for XX/XX/XXXX as it is incorrect. We are currently trying to buy a home and working very hard to clean up the credit report and this is only making things worse. I believe that because I filed a dispute on this account it " reopened '' the account. 
Thank you for your time. 
XXXX XXXX XXXX DOB:XX/XX/XXXX ss:XXXX  Contact # 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 2019-04-01
Company: Exeter Finance Corp.
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 XXXX XXXX XXXX, IL XXXX reported on behalf of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dates : XX/XX/2016 XX/XX/2016 XX/XX/2016 and ... 
XXXX  XXXX reported on behalf of : Exeter Finance XXXX XXXX XXXX # XXXX XXXX, TX XXXX this information is false. Please have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: CMRE Financial Services, 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: Account status incorrect

Complaint:
This issue is with CMRE Financial Services , Inc XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX I have paid off this collection account and i am currently applying for a home mortgage. I called CMRE this morning to have them take off this account from my XXXX and they said that they DO NOT take off information about the collection from any reporting agency. This was a medical bill. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Experian Information Solutions Inc.
State: MD
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:
Several attempts have been made since XX/XX/XXXX by contacting XXXX  by phone and in writing to resolve the inaccuracies with the payment history of my credit reports. I have followed up with them every 90 days and have found no resolution to this issue. XXXX has made several 30/60/90/120 late payments reflecting that my payment has been late but I had my account continuously in forbearance due to financial hardship since they had ownership of my account. For the period of time they have me reported as late, my student loans was still with XXXX XXXX XXXX/XXXX. For some reason, when they merged accounts, it caused my accounts to be duplicated and incorrect. It seems as though the customer service representatives have no way of correcting this issue with finding pertinent information concerning the financial hardship request in there system. The inaccuracies starts as early as XX/XX/XXXX but my account did not transfer to XXXX until XX/XX/XXXX and at that time I contacted them directly to notify them that I was not in position to pay my student loan debt because I was contemplating on filing for bankruptcy and I suffered with financial hardship dealing with medical problems, decrease in finances due to divorce and trying to maintain household expenses as a single parent. I'm asking for XXXX to work along with XXXX XXXX XXXX ( XXXX ) to resolve this reporting issues. I found that some of my accounts has been updated but not all of them.

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 2019-04-02
Company: Experian Information Solutions 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:
The investigation was flawed and deceptive

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 2018-04-16
Company: Waterfall Revenue Group
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX are billing me for an account that I don't have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I AM A VICTIM OF IDENTITY THEFT. I CHECKED MY CREDIT EARLY XX/XX/XXXX AND I FOUND A LOT OF ACCOUNTS AND INQUIRIES THAT DO NOT BELONG TO ME. AFTER THESE FINDINGS, I FILED A FTC IDENTITY REPORT AND FILED A POLICE REPORT WITH THE CITY OF XXXX ( REPORT # XXXX ). DUE TO COVID-19 I WAS UNABLE TO PICK THE REPORT UP. I ALSO SENT IN LETTERS TO THE THREE MAIN CREDIT BUREAUS. EXPERIAN AMD XXXX STILL HAVE NOT RESPONDED TO MY REQUEST AND XXXX   RESPONDED BACK SAYING THAT THEY WERE DENYING MY PURSUIT OF SECTION 605B (  C ) OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XX/XX/XXXX {$26000.00} XXXX XXXX XX/XX/XXXX {$730.00} XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$880.00} XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX XX/XX/XXXX {$480.00} XXXX XXXX/XXXX/XXXX XX/XX/XXXX {$260.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$51.00} XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$690.00} XXXX/XXXX XX/XX/XXXX {$360.00} XXXX/XXXX XX/XX/XXXX {$360.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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: Information belongs to someone else

Complaint:
I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1. XXXX XXXX - balance is showing as {$1400.00}, account partially listed - XXXX, dates not listed, 2. XXXX XXXX - balance is showing as {$1000.00}, account partially listed - XXXX, dates not listed,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Credit Systems International, 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:
I talk to a unknown representative around XX/XX/2019. She refused to confirm name and why she was reported negative accounts on my credit bureau report when her company is not bonding to collect debt in the state of Texas. The unknown person hung up when I advised her that she was illegally reporting a debt on my credit bureau report. This company in questioned named Credit System has 3 different accounts on my credit and they're not legally bonded to collect debt in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Source Receivables Management LLC
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:
This company has knowingly and inaccurately reported information to the 3 CRA 's. I have asked that they provide documentation proving that this debt belongs to me to which they provided documentation claiming that XXXX  is the original owner of this account along with lease agreements with my name on it. However, the information provided by SourceRM is very much conflicting with the information received from XXXX. Upon speaking with a XXXX Representative, IN STORE, I was provided with documentation that DOES NOT match the information provided by SourceRM. SourceRM claims that the account was opened in Colorado with the purchase of a black XXXX on XX/XX/XXXX and a rose gold XXXX XX/XX/XXXX. One with a typed signature the other with a hand written signature. Yet, the store Representative at XXXX provided a completely different lease agreement with my name on it for an account due to the purchase of a RED XXXX kit 128 gigabytes purchased on XX/XX/XXXX at a XXXX XXXX in XXXX XXXX Florida also, with a typed signature which coincidentally was also not purchased by me. I provided this documentation to SourceRM as well as XXXX in effort to have them do a thorough investigation of said accounts, and have also filled out the XXXX identity theft affidavit along with a police report and have mailed it back of to XXXX to no avail. I have also attached the print out that I received from XXXX as further proof, that these accounts are fraudulent and that neither of them were thoroughly investigated by either XXXX   nor SourceRM before knowing and illegally reporting false information to my consumer credit reports. Additionally, because of this conflicting and unverifiable information, I ask that this trade line be removed from all three credit reporting agencies or I will be immediately filing a complaint with the Federal Trade Commission and the Texas Attorney Generals office. 
I would prefer not to have to use the courts to resolve this matter. 
Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Huntington bought First merit and they did not credit my mortgage account ( 3 months ), theyre charging me monthly for something Ive already paid for and coming to my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Navient Solutions, LLC.
State: NM
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am a current XXXX XXXX who has been trying to place my loans in XXXX XXXX forebearance. I have called to my loan servicer, Navient, numerous times to provide the appropriate paperwork. They have also confirmed that this paperwork is not something I can download but rather they need to produce and either electronically send to my inbox or mail. 

Months have gone by and I still have not received the appropriate paperwork. Meanwhile, I have been having to pay fees due to the fact my private loans still are not in XXXX XXXX forebearance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
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: Was not notified of investigation status or results

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 2021-03-30
Company: Early Warning Services, LLC
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 am filing a complaint on Early Warning Services cause they have me in their system and I have been a victim of Identity theft. I am having issues opening a bank account due to a XXXX XXXX  XXXX account that was opened fraudulently in my name. I have filed a police report and tried to clear the report with Early Warning Services but they have failed to remove the fraudulent reporting or send me a report with any other information that might be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: U.S. BANCORP
State: UT
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:
1. On XXXX. XXXX, 2020, US BANK XXXX XXXX add a hard inquiry on my credit report per XXXX. 
2. On XXXX. XXXX, 2020, XXXX XXXX AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
3. On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per 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 2019-04-01
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged a service fee on my now closed XXXX checking account ending in XXXX in the amount of {$8.00} to {$10.00}. I disputed the charge by phone and via Regions bank online messaging. I have since that time closed the account. It was not the first time I was charged a service fee for the same account and was able to get the credit back from them. The last charge they said could not be reversed because " It is a one time credit. I opened the account under a promotion that was never honored with the company and I sent them messages concerning the promotional offer of {$200.00} for opening my account. I opened a savings account as well and closed it around the same time as the checking account. I actually went in the XXXX branch to inquire about the service fee and closed my account. 
1. I disputed a service fee of approximately {$10.00}.

2. Inquiry concerning my promotion of {$200.00} which was not honored and they strung me along by saying it is not due until next month and oh you must wait until you have had the account 180 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX CT, XXXX XXXX, FL XXXX TODAYS DATE:04/09/2021 RECEIVABLES PERFORMANCE Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious RECEIVABLES PERFORMANCE I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX CT, XXXX XXXX, FL 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 2019-04-01
Company: MoneyLion Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been a Plus Member of MoneyLion since about XX/XX/2018. In XX/XX/2018, the mobile app and website began having login issues. When I needed to reset my password, I would have to call and be on hold for a long time. When I requested a new password to be emailed to me, it never arrived. I suspected that my email address might not work with their automated email system, so I called and requested that they change my email address to a different one. The new one did  allow me to receive password reset emails. However, they duplicated my account. Since XXXX I have been unable to access my investment account, which contains over {$600.00}. I have also opened a checking account with them, and am unable to access it either. Luckily, I never deposited any funds into it. I can log in under either email address ( two separate logins ), but neither shows that I am a Plus member. One account does show that I paid off my past loan in XX/XX/2018. That should have allowed me to withdraw the {$600.00}, but my investment account does not appear in order for me to withdraw the funds. They have also continued to charge me {$80.00} a month for my Plus membership, even though I have not been able to access it since XXXX. If I had been able to access my Plus membership ( only available through the app ) each day, the {$80.00} would have been deposited into my investment account to repay me for the membership fees, as that is their policy. I have called many times and have been told that my concerns have been escalated, but no one ever calls back and nothing has been resolved for over three months. They have refused to stop my Plus membership payments or refund the ones from the past three months. I hoped that applying for a new loan might cause my investment account to show up on the app again, but they are unable to verify my identity for a new loan. I have given them a chance to fix these issues and nothing has happened. When I last spoke with MoneyLion on Tuesday, XX/XX/XXXX, they stated that they would be emailing a fraud affidavit to investigate the duplicate account, even though I explained that one of their  agents had created the duplicate account in error. I have not received this affidavit by email. I have seen other reviews where people stated that once their loan was paid off, their investment account disappeared and they were unable to withdraw the funds, so perhaps they are doing that purposefully. I filed a complaint through the Utah XXXX, where they are based, but it was closed without resolution when MoneyLion did not respond.

Company response to consumer: Closed with monetary relief