BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1900.00} and XXXX  XXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}

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 2020-11-30
Company: AFNI INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 AFNI added a derogatory mark on my credit report per XXXX  XXXX. Upon further research, this account was transferred/sold and am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can say its mines. According to the FCRA AFNI has violated my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Strategic Alliances, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I got a demand of payment from a company named, FIRST FINANCIAL ASSET MGMT INC. they alleged, that I owed them $ XXXX.I sent them a letter right after I recieved their letter, of a contractual relationship, between I and them and ..which will make FIRST FINANCIAL ASSET, a company entitled to enforce a commercial claim against me ... I also said that this letter is not for a " verification '' or " validation '' ... ... ..which they haven't shown me ... ... ..they keep on trying to collect this money from me, without showing if they are entitled to this money ... .I also informed them that this letter was a request for proof of contract to substantiate your claim ... ... ..therefore provide a certified copy of an original contract, with my signature, specifically naming your company as a person, entitled to enforce a commercial claim against me ... ... .to this day they haven't done this yet ... ... ..I just got another ( XX/XX/2019 letter of demand for payment, now they are lowering their price, to XXXX all I want is for this company to stop their collection efforts ... ... Thank you ... ... 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 2023-05-18
Company: OneMain Finance Corporation
State: WV
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 XXXX XXXX WV XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
First, thanks to the consumer financial protection department for giving me their help in solving this problem. It all starts on XXXX/XXXX/XXXX when I open a page called XXXX. Since I opened your page, the XXXX XXXX XXXX started charging {$12.00} and {$1.00} as of XXXX/XXXX/XXXX from my XXXX XXXX credit card. These two fees were charged twice to my credit card without my consent, for that reason I made the decision to call the bank to report those charges as fraud, then the bank made the decision to block the credit card and the merchant sending free so that I would not continue charging. After the bank conducted the commercial fraud investigation, they returned their money to the bank for a total of {$29.00} of the 4 transactions the company had charged to the bank. A few days after the bank had fixed everything with the credit card where they committed the fraud, the charges were removed from the new card that the bank had sent me. After about a week that the bank had already cashed the company 's money, the bank started charging me {$14.00} a fee that the merchant had already paid and they want to charge me, then I call the bank and I speak with several representatives and also with Supervisor to see if someone could help me solve the problem, but none of them solved the problem. The day I spoke with the bank supervisor, I explained the situation and asked why they charged me that rate if the company had already paid their money and I told them that I did not have to pay that money because it is a fraudulent money that they reported and they recovered it because When they return a money in the credit card that says that the money is not mine and that means it goes directly to them, she said that I do not have to pay anything, so I asked her if I do not have to pay anything why that transaction is in my credit account as if I had to pay and after asking that question, she kept quiet because she knew that I was telling the truth and I also told her that if she did not have to pay that money, why? Do not delete that transaction from my account? Then she gave me several excuses to contradict me and confuse me to pay. For that reason, I ask for help for the financial protection of the consumer, because what the bank is doing to me I see it as a fraud because it is charging me money that I should not pay. If you need any proof to help with the case, let me know and I will gladly send it to you and thank you very much for your cooperation.

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 2019-04-11
Company: Lending Club Corp
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:
XXXX credit card, I settled for less than balance and paid in full on XX/XX/XXXX. The original balance was {$940.00}. They are still showing a balance. 

XXXX sold my account to a third party, XXXX XXXX which I did pay for less than balance in XX/XX/XXXX. Not updated or noted on my report. 

Lending Club sold one of my loans to XXXX XXXX, which I settled for less than the balance in XX/XX/XXXX. Lending Club will not note it. They did on my other loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been sending letters proving that my mortgage payments have never been late and they still not fixing it. 
Also I sent a letter stating my XXXX account is satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been sending letters proving that my mortgage payments have never been late and they still not fixing it. 
Also I sent a letter stating my XXXX account is satisfied.

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 2019-11-01
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
My mother received a rude and threatening phone call on XX/XX/19 @ approximately XXXX XXXX regarding contacting me about my loan. A friend received a call at approximately XXXX XXXX on XX/XX/19 for the same. Neither have anything to do with my loan, have no information regarding my loan and know anything about my loan. I have also been receiving up to 5-10 phone calls per day from various area codes around the United States and with Navient 's caller id both, leaving both robocall and live person messages. I have attempted to lower my payments and requested multiple times deferments and have been denied. I can not pay {$1600.00} a month. That's almost my entire monthly take home pay. Navient refuses to work with me and are now harassing my friends and family to get the debt paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2019-11-01
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
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 have been a victim of identity theft and I became aware of this back in 2009 when my wife passed away. I have been to the police and I have gotten identity theft reports created by the FTC. None of these are signed they are electronically signed. They have been accepted by every entity including federal court and state courts and yet one entity is claiming that I need to get these things manually signed. XXXX, Is the entity claiming I need to get it manually signed yet the law does not state that or want that or require that. I have said they are breaking the law and they refuse to talk to me further because they hang up. They are not obeying the law they are trying to rewrite the laws and only Congress can do that.

I am including a copy of my original report and the one that I had certified and notarized to show what they made me go through and the law does not require that. That wasted time and money because they think they can re write the laws of Congress with their own policies because they want 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 explanation
Consumer complaint received 2019-11-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I purchased an item through a seller and paid {$1000.00} in two separate transactions of {$500.00}. I sent the money through XXXX and the person disappeared and never sent my product. I tried to cancel the payment with XXXX and also filed a claim with WellsFargo. I am a XXXX so losing $ XXXX in a scam is very hurtful. Even more hurtful is how unwilling my bank is to help in this situation.

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 2019-04-11
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I opened an American Express account in XXXX of 2018 that allowed for a balance transfer of 1 year with no interest. I tried to Initiate a balance transfer from one of my XXXX credit cards to Amex. I noticed that I had an Amex bill due the following month but my balances on the chase cards never decreased. I called chase and they were showing any transfer made and suggested I call Amex. I called Amex and to create a case and have followed up with them twice since and was told I would get a response at the end of XXXX. I have had no response since and am paying a bill to Amex over a transfer that was never completed. Please can someone help me get this completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Lexis Nexis has inaccurate information on my Public Record. I was a victim of a hit a run and they have it listed as " at Fault '' I have asked them to make the correction but they refuse to do so causing increased insurance rates. When I call them they give me pat responses and say they are reporting correctly and they will mail a report. I have been waiting 3 months and have not received a report. Here is a copy from XXXX Date XXXX XXXX XXXX XX/XX/2016 at fault accident 4 CLUE only XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX SS XXXX Florida DL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft.

I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the XXXX bureaus directly through this platform.

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 2019-11-01
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Recently, I have received phone calls from a collection agency named Hunter Warfield. They claim that I have an outstanding balance of {$540.00} owed on a previous rental property. They are also telling me that if I do not pay it immediately, they would damage my credit report by reporting it to XXXX, XXXX, and XXXX XXXX. 

First of all, I have explained to Hunter Warfield, that I resolved my account with my former landlord some time ago, so their collection efforts are unwarranted. Additionally, I have requested that Hunter Warfield provide me with documentation from the previous landlord, which details the charges that constitute the supposed {$540.00} debt. Their representatives refuse to send me anything in writing. They simply state that if I do not pay them {$540.00} right now, they are going to hurt 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 2021-10-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX XXXX XXXX XXXX Balance {$0.00}.

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 non-monetary relief