BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
XX/XX/21 - I disputed inaccurate listings in my credit reports which included an incorrect social security number ending in 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, Experian, and XXXX through letters I XXXX to the credit bureaus. XX/XX/21 - I had not received one response from any of the 3 credit bureaus so I sent another 3 letters to each of the credit bureaus disputing the inaccurate information in my reports. XX/XX/21 - I still had not received one response from the credit bureaus so I sent another 3 dispute letters to experian, XXXX, and XXXX. This is ridiculous! According to the law, the credit bureaus have 30 days to respond to my disputes but, it's now been over 4 months and still not one response. I want you guys to do your job and enforce the law! Please have the credit bureaus remove the inaccurate listings in my reports, including the removal of the incorrect social security number ending in XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, the 30 day late payment from XXXX  XXXX XXXX # XXXX XXXX and the 30 and 60 day late payments from XXXX XXXX XXXX # XXXX and fine the credit bureaus so they stop ignoring people who are trying to fix the mistakes that the credit bureaus have made.

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 2020-12-03
Company: CITIBANK, N.A.
State: NY
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 disputing this Authorizer user account with XXXX  XXXX and XXXX MACYS XXXX multiple times. I already sent letters directly to XXXX XXXX MACYS XXXX, XXXX  , and XXXX requesting removal from this derogatory account. I already sent a total of 5 letters just for this request. I am not responsible for this account but it continues to give a negative impact on my credit score. I did all my resources to fix this issue with them. But the only response that I received reporting this account as valid in my credit report. 

I am not responsible for this debt. Please remove me as an Authorized User and delete this from my credit report. Filling a complaint would be my last option for making sure that XXXX XXXX XXXX  would do my request. 

1. XXXX  XXXX XXXX  XXXX MACYS 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 2018-02-05
Company: ERC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... your company has a large amount of fraud charges on my credit report that is not accurate s with loans on my report and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! The amount was for XXXX for enhanced recovery company if you would contact me regarding this matter I will greatly appreciate it thank you! 


Thanks XXXX XXXX XXXX Sent from my 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 2017-09-16
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have attempted several times in past week - XXXX XXXX to freeze my credit with equifax continuous ERRORS after several screens others XXXX and XXXX also want to charge me even though XXXX million of us were hacked time to step up and make them FREEZE OUR ACCOUNTS NOW - cost {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have 4 student loan total and only 4 and they are on my credit report 12 times. I dont understand. XXXX XXXX held them originally then they were sold to Navient and now they are with the XXXX XXXX XXXX. Each account listed is a duplicate with each provider. So the negative information shows up on XXXX XXXX 4 student loans. same 4 account and negative info under Navient and the same 4 under XXXX XXXX XXXX. 

How do I get all the other loans removed except the 4 student loans that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name

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 2020-05-28
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 was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX, 11 XXXX, 11 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, N/A, XXXX XXXX XXXX XXXX, XXXX  XXXX, Company Inquiries XXXX CREDIT/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX F

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 2018-02-05
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been receiving calls for months from XXXX XXXX XXXX XXXX XXXX XXXX. A recorded message is asking for a XXXX XXXX. I do not know this person! 
After getting these calls for weeks, I finally called them and asked them to take them off of their calling list. They refused because I would not provide them with my personal information. I am XXXX   with XXXX XXXX so it is difficult for me to get to the phone. I don't need these calls! They call very often. I have a very small CID, but I have that this month alone, they called on : XX/XX/XXXX @ XXXX PM, XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM Yes, dates are correct XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM During this month, our phone / internet service has gone out on occasion with XXXX, so I don't know if they attempted to call more frequently or not. I do know that my sister-in-law XXXX XXXX and we were in a different state for a couple of days in early XXXX and when we returned there were several calls at that time. I don't know what else to do, since they only seem to want my personal information. I do not know these people ( XXXX XXXX XXXX XXXX and I do not know XXXX XXXX XXXX XXXX? XXXX. My husband 's name is XXXX, but I know he has a credit rating over 820 and we have been married for more than 30 years. Our last name ( nor any of his family ) is NOT similar to anything that sounds like XXXX?. I do not know if someone has found our number and given our number out, but I don't even give it out to doctors. I just want these calls to stop and appreciate any help you can provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: EQUIFAX, INC.
State: HI
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
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: Their investigation did not fix an error on your report

Complaint:
I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX and 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 2020-09-09
Company: HW Holding, 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 Hunter Warfield added a derogatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I 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 signature does not validate the debt and anyone can send a bill saying it is mine. According to the FCRA, Hunter WarField has violated my rights as a consumer and Im requesting legal action to remove the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: EQUIFAX, 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:
THE ACCOUNTS LISTED IN THIS COMPLAINT ARE FRAUDULENT SOMEONE USED MY IDENTITY MY SOCIAL SECURITY NUMBER AND MY PHOTO ID THEY USED IT TO OPEN AND MAKE FRAUDULENT PURCHASES IN MY NAME I HAVE REPORTED THIS TO LOCAL AND FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I called in to the Macy 's credit card line looking to verify my Identity, so that I could get my credit card to my new address. Not only was I unable to do that with thee manager that I spoke to I was not given the information about where they would send my card even though they, " verified '' me by asking for my social security number. 

THe card, and other information is simply not showing up to my address on file. I need them to send it to my PO Box , but they are refusing to because they need to, " verify '' me Further I asked them to verify my most recent address through my credit report. but they did not.

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 2020-07-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Please update my credit balance in credit report which I paid in full XXXX/XXXX  XXXX  account number XXXX ballance {$0.00} Date opened XX/XX/2016

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 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Please update my credit balance in credit report which I paid in full XXXX/XXXX  XXXX  account number XXXX ballance {$0.00} Date opened XX/XX/2016

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 2020-07-08
Company: Flagstar Bank, N.A.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I believe this company is discriminating against my family because we are a XXXX couple.

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 2017-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Bank of America Can not Verify the information used to obtain a credit card, that they claim is mine. I have had Dozens of credit cards over the years. I ask Bank of America for a copy of the Original application as well as a copy of the photo ID used to open this account on several occasions ... .Bank of America Refuses to provide the documentation that would verify this account belongs to me.

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 2020-04-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have checked with the companies online website and they did not have an account linked to me. I have called multiple times and left messages with no response from the company. I have also reached out to my condos owner and sent the letter stating I was behind and they also stated that was inaccurate and I am up to date on all of my payments and never been late or missed. I filed a dispute with experian and they did not get it resolved. XXXX XXXX XXXX does not even seem to be a real company because I can not get in touch with a real person to get to the bottom of this.

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 2020-11-22
Company: EQUIFAX, INC.
State: NJ
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XXXX XXXX XXXX : XX/XX/XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX - CARD SERVICE XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: CNG HOLDINGS INC
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt years ago. XXXX XXXX  has spent the last year trying to collect it again. Ive sent them the debt release as proof multiple times and they refuse it. They have now marked me as no contact and filed a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately

Company response to consumer: Closed with explanation