BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
the following account on my credit have been reporting the wrong amount and is incorrect on my credit report causing me not to be able to get anything with me credit, and the amounts are wrong on this account. The account was removed off my report then added back at random dropping my credit score 79 points attached is my credit report with the account removed and a screen shot of the account re added to my report dropping my score 79 points

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 2020-08-26
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A balance due of {$180.00} appeared on my credit report in XX/XX/2020. I have disputed this twice through the credit bureaus as I have no knowledge of this account or the balance due. IC Systems simply responded that it meets FCRA Requirements. I have no idea what this charge is for. I never received a bill or communication in the mail, it just appeared out of no where on my credit report. I require proof be provided that this balance due belongs to me. I also require the delinquency date and that this be removed from all three credit bureaus for failure to provide proof that this is my bill and for failure to notify me by mail before reporting to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have tried asking to have my phone number removed, I have tried blocking my phone number. They call me continuously, won't leave voice mails, and are harassing me. I have never received written notice of any debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
Company: Exeter Finance Corp.
State: FL
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 sent a certified letter to the company multiple times and tried to call the company to remove the inquiry from my credit report and was informed to contact the company that did the inquiry to have them remove the inquiry from credit report. I contacted the company and was informed by the company to contact the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 been a victim of identity theft.

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 2018-08-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have repeatedly advised Portfolio Recovery Associates that I do not owe this debt. Yet they refuse to remove. I sent a copy of an nFTC I'D theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, XXXX XXXX XXXX ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX, XXXX, NC XXXX I spoke to Ms. XXXX XXXX, she said , she was unable to pull anything on my name from their system. She wants me to contact XXXX XXXX to produce itemized statements and signatures that shows why they put my name with TransUnion. The XXXX XXXX XXXX is a billing company that is located in XXXX XXXX. XXXX XXXX XXXX, IL XXXX. It is not a medical /Health as claimed by XXXX XXXX. 
THIS ACCOUNTS WERE NOT MINE AND NEED NOT TO HAVE ESTIMATED MONTH AND YEAR TO BE IN MY ACCOUNT TILL XX/XX/2022 SPECIFIED BY TRANSUNION. I know the account have been closed. Thanks for the good job. 

XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX, XXXX XXXX , CO XXXX, Tel:XXXX The account was not mine. I spoke to XXXX XXXX, ext : XXXX. He verified and said, the account was not mine and he had sent it back to XXXX. Where do you called that, the information was verified as accurate? Call the number again and ask for XXXX XXXX.Tel:XXXX ext XXXX  please.

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 2019-08-24
Company: JPMORGAN CHASE & CO.
State: AL
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 saw two inquires on my report that I don't recognize I need each of these inquires to be removed off my report immediately. I called each company to inform them about the matter but still haven't been helped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-06
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I have a complaint which I would like to submit and acknowledge, so kindly address this issue and close the account as its being wrongly reported in checking systems and reporting. Im a student and a senior in college, while last XXXX and last XXXX onwards my account or I never used Wells Fargo or used its XXXX $ as Im not awais of it. I did speak to an in person branch person before regarding this matter so kindly close this account # XXXX # XXXX $ Ive attached again documents of everything as my whole stuff laptop car and wallet got stolen. Thanks

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 2020-08-25
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: Account status incorrect

Complaint:
Experian should not be reporting a collection/chargeoff in the amount of {$530.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had medical insurance coverage at the time and I have attached a copy of my Insurance ID Card for reference. This account needs to report a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/20 ERC received that I sent a debt validation letter that was sent by me on XX/XX/20. The debt validation letter requested that the collection agency provide me with the required information for debt collection in Texas based on the Texas Financial Code. The agency failed to respond to the request as required within 30 days in ordinance with the Texas Financial Code by Sec. 392.101. I called ERC on XX/XX/20 for a resolution and spoke to an male agent who confirmed the information was not sent and asked me what information I wanted I told him that they did not provide the requested info in the required time frame and I would only like for the information to be deleted at this point, he then transferred me to the escalation department who hung up on me. I called back and another agent told me they can send it out then changed the story to say they believe XXXX  sent the info out on XX/XX/20. Even so they had 30 days to respond to this matter and failed to do so. The Texas Financial Code Sec. 392.101 requires debt collections to provide the following information to validate debt : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector An authorized agreement that shows obligation for any interest, charges, fees or expense incidental The original balance The current balance Any fees added by your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Cogent Road, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon conducting a personal credit report review, I noticed that a company named FUNDING SUITE ( Actual Company name : XXXX XXXX prior company name : COGENT ROAD )  conducted hard credit inquiry on my behalf without permissible purpose, consent from the consumer, and presented a legitimate business needs for the credit check. 

This was conducted without unauthorized access which makes the consumer ( myself ) susceptible to identity theft and data breaches. This are negligent actions by the company without properly conducting consent approval and proper notification per the Fair Credit Reporting Act. 

No consumer notification was submitted and this negligent act resulted in the personal credit damage. 

FUNDING SUITE ( Actual Company name : XXXX XXXX prior company name : COGENT ROAD ) conducted unauthorized credit check for the following date : XXXX XX/XX/2020 XX/XX/2020

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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 was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I see Last Reported date as well as Date Last Active is different from the three bureaus. It shows chargeoff and yet XXXX see balance and a past due in their reporting. This is a clear indication that the report is inaccurate. I demand this account be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Frost-Arnett Company
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, XXXX Frost Arnett I filed a complaint again your company with The BBB and with my credit repair company to validate three amounts of {$620.00} for a total of XXXX. One you never responded to my BBB complaint however more than 60 day later you send me a letter dated XXXX XXXX that you can not validate such debt and will no longer attempt to collect. XXXX XXXX, I receive a 2nd letter from you with some paper stating that you have verified such debt by sending copies a bill from some emergency room that I never been to. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. You not validated a anything and I consider this to be fraud and will contact attorney General office and FTC. The various names on these documents false! 2 I have insurance the company name of this paper work is FRAUD! 3 I have never been to a XXXX XXXX XXXX, I have insurance and a primary care doctor so this false paperwork is fraud! All these will be forwarded to my family attorney any attempts to report this fraud to any of the three credit reporting agencies will result in legal action. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX reported i was late making payments in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX in 2015. I was not late because these payments were deferred and were not due at the time of reporting. I will like these payments to be updated as current due these payments being deferred and being in forbearance.

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 2019-08-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2016 I had opened a credit card account which a balance of {$1000.00}. At the time I opened the account I was XXXX  years old and didnt know anything about credit. I now have a newborn son and need to fix my credit. I would like to fix my mistakes and try my best to get the negative mark off of my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
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: Information belongs to someone else

Complaint:
I HAVE CONTACTED XXXX XXXX XXXX XXXX to remove 2 Hard Inquiries i had contacted XXXX Creditor how has Run my Credit with Unauthorized and after contacted and sent proof from creditor, no response till now i going now to attach proof has sent to them to Equifax to remove 2 hard inquiry XXXX/XXXX Inquiry from XX/XX/2018 XXXX Inquiry from XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
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: Information belongs to someone else

Complaint:
from XXXX to XX/XX/XXXX i was XXXX  i pulled credit and saw multiple accounts that i did not authorize XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I would like these accounts deleted from account federal trade commission report have been submitted along with police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
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: Information belongs to someone else

Complaint:
I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. Well, I believe happened a big mistake and I became a real victim of identity theft. I kindly ask you to help me because of I do not recognize these accounts. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am still being charged for a debt that is not mine.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-04
Company: SYNCHRONY FINANCIAL
State: AE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened a Care Credit account for an emergency dental procedure in XXXX XXXX. I also setup auto-pay in order to pay down the debt. Everything was fine for the remainder of XXXX most of XXXX. 

I XXXX XXXX overseas in XX/XX/XXXX, and during that time my auto-pay information had changed and the payments were not going through. At the time I was unaware of this issue. 

Around XXXX XXXX I contacted Synchrony and setup a new auto-pay account with one of their phone advisors. I assumed everything would be fine like before, Later I came to find out that I was getting charged late fees on the same day as my scheduled auto pay. I was getting erroneously charged a late fee on the say I was paying the debt. 

I could view a limited time frame with their app as far as the payment history. I have attached a screenshot of what I could see at the time. 

Eventually, I contacted another phone agent in XX/XX/XXXX with the purpose of paying off the debt and closing the account completely. I spoke with someone named XXXX who referred me to someone named XXXX. He assisted me with paying off the total balance of {$1500.00} and closed the account on the same day. 

The reference number I was given is XXXX. 

It's now XX/XX/XXXX, and I have multiple emails from Synchrony Bank stating I owe them {$40.00} towards that same account that should have been closed. 

On top of that my credit score has been negatively effected by this {$40.00} that I do not owe.

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 monetary relief
Consumer complaint received 2020-08-26
Company: FIRST MIDWEST BANCORP, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I came in to withdraw money from my bank account at First Midwest Bank located in XXXX Illinois On XXXX XXXX. 
The teller name is XXXX XXXX I gave the teller my id and My debit card and still remained waiting for over 15 minutes as she went to make calls and other extra things behind a closed door. I remained patient. I didnt raise my voice nor act if character in anyway and I was still denied my funds. She told me I had to wait 48 hours and I literally just took XXXX out of my account last week without these formalities for the same instance and i was late my XXXX XXXX XXXX and now Im facing these same hiccups within this company for my funds yet again.

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 2022-08-25
Company: Navient Solutions, LLC.
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: Problem with personal statement of dispute

Complaint:
XXXX and Navient have not provided documentation pertaining to reported information. Information given regarding dispute states that Navient has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX XXXX was the Broker on this refinance. United Wholesale Mortgage was the lender. The lender failed to submit corrected documents to be signed and failed to submit the amount that was promised in my escrow account. This caused me to be short XXXX. I was to skip my XXXX and XXXX payments for 2019. I was to receive {$8000.00} from my escrow account. The updated documents would have prevented all of this confusion. The Broker asked for these items but the lender failed to provide them. XXXX XXXX XXXX  XXXX XXXX and the FDIC both agree that this situation was caused by the lender.

Company response to consumer: Closed with explanation