BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-26
Company: EQUIFAX, INC.
State: CO
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 disputed this account and 2 agencies removed it. However Equifax did not and it has severely impacted my credit. 
This account was never mine. I didn't live in XXXX at the time or at the address of the account ever and it is an electric company in the state of XXXX. 
Date of first delinquency is XX/XX/XXXX ( with the collection company, not original debtor who couldn't put it on my credit report. ) Date opened XX/XX/XXXX I have lived in XXXX  since XXXX. 
The original creditor removed it when I proved years ago it was not my debt. 
They sold it to XXXX who continued to harass me for years and on XXXX put it on my credit report. 



Creditor XXXX XXXX XXXX phone XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: NAVY FEDERAL CREDIT UNION
State: NV
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:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Unauthorized activity and use of my credit report by 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 2018-11-28
Company: I.C. System, Inc.
State: NV
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:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe 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 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete 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 explanation
Consumer complaint received 2021-07-13
Company: BANK OF THE WEST
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Good afternoon, I place a dispute with XXXX  and XXXX XXXX because they are reporting inaccurate information on my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows :

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 2020-05-21
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My Ex husband opened American Express account in my name and now amex collectors are harassing me with collection and now they sued me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Jonathan Neil & Associates, Inc
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Received letter from XXXX XXXX at Jonathan Neil & Associates on XX/XX/2018 indicating I owed {$2400.00} in damages from a hit and run that I was not involved in and in a car I did not own. The letter was non-specific other than a date and dollar amount. There was no invoice or proof provided. The letter was not sent by certified mail. The letter was dated XX/XX/2018. The letter was postmarked XX/XX/2018. Six attempts were made to contact XXXX XXXX at the number provided on letter on XX/XX/2018 but there was no answer. A message was left requesting a return call to explain above information. A return phone call was received on by phone with XXXX XXXX on XX/XX/2018 from a blocked caller. The caller ID indicated Unknown. XXXX XXXX accused me of rear ending a car and they are seeking payment from a unspecified California association. I asked what is part of their information obtaining process and if a police report is a part of that. She indicated that they had it. I explained to her that I did not possess this car on the date that was indicated on the letter and the police report would indicated that I was cleared because I did not own the car. I inquired what bar associated they are affiliated with. I was not given a response. She said she was going through 100 pages. I  requested she call me back when she has all the facts because I was at work. XXXX XXXX told me that I was being snotty and that she was trying to help me. I made mention of them sending legal documents by certified mail as I received the letter XX/XX/XXXX and the letter provided only 7-days to respond. XXXX XXXX continued with derogatory comments and I told her i would be getting off the phone. I received, again, another call from a blocked number and caller indicated it was Unknown on XX/XX/2018, again, while I was at work. She was seeking payment for the hit and run she was accusing me of. I asked if she remembered the previous conversation we had. She said, how you sold it? I replied yes. She said she ddint have any proof of that. I indicated to her that I did not feel like she was legit and that I did not feel like she did her due diligence even if she is. I told her I was hanging up now. After the first call, I contacted my insurance company. I was instructed by a licensed agent in Oklahoma to not provide my insurance information and that it is the dealierships responsibility to transfer necessary documentation to the new owners. Below are the provided documents, including the copy of emails between myself and Sgt XXXX with the Hit & Run Division clearing me of any involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: SYNCHRONY FINANCIAL
State: MA
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:
SYNCB/GAP, phone ( XXXX ) XXXX. I do not recognize this at all. I do not know why SYNCB /GAP is showing on my credit report as a hard inquiry. I need help to get this remove from my credit report. I do not recognize it.

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 2020-09-05
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  XXXX complaints : I.C Systems a medical XXXX XXXX XXXX issue of {$280.00} on XX/XX/XXXX which proves XXXX  would allow any compliant from any source. also XXXX XXXX XXXX debt of {$160.00} Secondly, XXXX 's XXXX keeps coming up as a credit card but it is not a plastic card XXXX  it does not have ( VISA ) emblem on it. XXXX is not a credit card XXXX XXXX  XXXX, XXXX/XXXX/2020

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 2021-08-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Despite the multiple previous written requests in Equifax Credit Bureau, the unverified inquiry listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This is the inquiry that needs to remove from my report immediately. 
XXXX XXXX XXXX-Date of inquiry XXXX XXXX, 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Experian Information Solutions Inc.
State: IL
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 started disputing false inquiries on my credit report on XX/XX/2021. None of the bureaus responded to me advising what steps they'd be taking or deleting the information at all. Since I didn't hear from them, I sent another dispute on XX/XX/2021 and again on XX/XX/2021. I am STILL waiting on a response and the inquiries still remain on my credit! I did not apply for these items ; the creditors can NOT provide a signed application because there isn't one, there aren't even accounts open from these inquiries!

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 2018-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification and was declined for the reason " we're unable to verify your qualifying income ''. I appealed this and escalated this because my only income is VA military XXXX and XXXX social security. How hard is it to verify? I sent updated award letters and two months bank statements showing the deposits and that is it. This seems like it is discrimination against XXXX income " the bank discriminated against modification applicants on the basis of XXXX and receipt of public assistance in violation of the Fair Housing Act ( FHA ) and the Equal Credit Opportunity Act ( ECOA ). '' I spoke to a customer relation manager who claimed they have flagged my account as ineligible for review and the only way I could find anything out was to email " XXXX ''. I have a foreclosure sale date of XX/XX/18 and just found out about it a week ago. The attorney did not send notification as required by law. I have been through this process over and over and always received proper notification. So on XX/XX/18 I emailed a complaint and dispute and request for a reason why my loan is flagged " unable to verify qualifying income '' when my only income is military XXXX and social security? I have yet to receive a reply. I feel Bank of America is not being forthright in its servicing and discriminating against XXXX veterans.

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 2020-08-20
Company: Experian Information Solutions Inc.
State: OH
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 would like to file a complaint regarding incorrect personal information Experian is reporting. I have requested the incorrect information be deleted multiple times with them but to no avail. I have not received any response to my mailing from XX/XX/2020. My only Address is XXXX XXXX XXXX XXXX XXXX, XXXX Oh XXXX. In my letter disputing this error, I told Experian that I challenge the accuracy and reporting of this item. I sent Experian another letter on XX/XX/2020. Experian has continued to report this incorrect information for almost 4 months since being notified they were reporting incorrect information. Then on XX/XX/2020 I filed a complaint here stating that they had not responded to my letter and were in violation of the Fair Credit Reporting Act. They closed the complaint # XXXX, saying " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' This is a computer generated response that shows they did not even investigate my CFBP complaint. My ID was included in the complaint, ID and social security card, showing this was sent directly by me. Even though per the Fair Credit Reporting Act, they are required to respond and correct this incorrect information not determine who sent the dispute. This is a stall tactic and this is almost 4 months past the date my letter was mailed and received by Experian. Experian must remove all incorrect personal information. I have filed a complaint here with CFPB and also with the Ohio State Attorney General 's office. I will have no other choice but to soon file a small claims lawsuit with my local court if they do not delete this incorrect personal information from my credit report. I have attached my initial letter to Experian, my second letter to Experian on XX/XX/2020, My ID and social security card that were sent to Experian both times, and my CFPB complaint where Experian tried to stall saying Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request.

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 2020-08-20
Company: Experian Information Solutions Inc.
State: GA
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.

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 2018-11-28
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to inform Ad Astra Recovery Services , Inc for over 5 years that the debt they are reporting on my credit reports doesn't belong to me. I have constantly disputed the problem with all three credit bureaus, paid companies to dispute the debt on my behalf, and contacted the company directly. I sent letters for validation to Ad Astra Recovery Services , Inc. and the company sent a response stating the  account was verified. However, the the debt letter they sent was addressed to XXXX XXXX, which is not me. On other forms the last name listed is not how my name is spelled, I did not live in Texas when the alleged debt was taken out, and the banking information listed is not mine and I've never had an account with the listed institution. No additional identifying information is provided to support that this debt belongs to me, including the lack of a telephone number. In addition to the issues I mentioned regarding the documentation Ad Astra Recovery Services , Inc provided indicating that the debt is not mine, there is no physical signature on the contract, which further confirms that the debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Guild Mortgage Company LLC
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 status incorrect

Complaint:
I paid my mortgage and Guild Mortgage still reported it 30 days late. I paid after hours but on the date. I showed them proof and everything and they still haven't fixed it. I want them to update that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Good Evening ; I'm in real shock right now because how is it possible on an account that was reported closed over a year ago, showing now last month that I was 30 days late. Also, look at the attachment how they are reporting wrong information with different credit bureaus such as the wrong date of last activity ; missing account type detail ; wrong comments ; wrong date of last reporting, etc. I went ahead and highlighted them line by line in RED, as you can see there are several and multiple inaccuracies.

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 2018-11-28
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: HYUNDAI CAPITAL AMERICA
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: Account information incorrect

Complaint:
Purchased a new Kia from Kia Motor finance XX/XX/XXXX and 5 months later it was totaled by another driver that hit me in XX/XX/XXXX. I was making my monthly payments that Kia was slow to report on my credit report at first. When the car was totaled, the other insurance company made a pay off in XX/XX/XXXX which did not settle the balance. I had to do a dispute to show the reduced balance since Kia was still showing the full amount due. The dispute was done XX/XX/XXXX and completed XX/XX/XXXX. In XX/XX/XXXX Kia started calling me to make payments when I told them it was in a law suit and would be settled. I finally made 2 payments of {$400.00} on XX/XX/XXXX and XX/XX/XXXX. Kia never reported those payments. I received my settlement in XX/XX/XXXX and Kia accepted a reduced offer of {$2200.00} for the balance on XX/XX/XXXX. I had to call about 20 times till I finally got my pay off letter on XX/XX/XXXX. I started another dispute since the 2 payments were not showing up and finally on XX/XX/XXXX my reports were updated but had the wrong information. It showed account was open and there was a balance. It is taking me so long waiting the 30 days for a dispute so I have turned to you to see if I can get results in a more timely matter.

Company response to consumer: Closed with explanation