BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-14
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:
After recently starting to seriously work to clean up my credit report I began with the worst item, a bankruptcy on my report. I wrote three letters to XXXX requesting that they verify a bankruptcy on my credit report for the purpose of deleting said bankruptcy. Each time I was told the information they had, had been verified. I 'm certain they used the XXXX verification, probably by XXXX XXXX. I also know for a fact that Superior Court does not share information with third parties. And I also know that with the millions of credit reports they monitor no one from the credit reporting bureau physically drives to the courthouse to collect information about a bankruptcy in order to verify it. So XXXX has sent me my credit report first and two letters afterwards where they stated the bankruptcy was verified and no change was made.
After 1st letter 1st response by XXXX XXXX XXXX, 2017 was to send me copy of credit report ; said I asked for it but I did n't.
2nd letter to XXXX response bankruptcy verified after investigation ; XXXX XXXX, 2017 3rd letter to XXXX  response XXXX XXXX, 2017 ; again verified the bankruptcy after investigation and still no change made to my credit report. I know I can file a small claims suit against XXXX but I can not afford to do this. XXXX does not have the legal right to retain this bankruptcy much less report it. Is there a way for you to intervene on my behalf so I can get this bankruptcy deleted once and for all? I would appreciate any and all support you can give me in order to make this right, Thank you.

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 2019-07-31
Company: Experian Information Solutions Inc.
State: NV
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 disputed the late payments on XXXX XXXX XXXX XXXX  for months. Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2017-07-14
Company: EQUIFAX, 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:
After recently starting to seriously work to clean up my credit report I began with the worst item, a bankruptcy on my report. I wrote three letters to XXXX requesting that they verify a bankruptcy on my credit report for the purpose of deleting said bankruptcy. Each time I was told the information they had, had been verified. I 'm certain they used the XXXX verification, probably by XXXX XXXX. I also know for a fact that Superior Court does not share information with third parties. And I also know that with the millions of credit reports they monitor no one from the credit reporting bureau physically drives to the courthouse to collect information about a bankruptcy in order to verify it. So XXXX has sent me my credit report first and two letters afterwards where they stated the bankruptcy was verified and no change was made.
After 1st letter 1st response by XXXX XXXX XXXX, 2017 was to send me copy of credit report ; said I asked for it but I did n't.
2nd letter to XXXX response bankruptcy verified after investigation ; XXXX XXXX, 2017 3rd letter to XXXX  response XXXX XXXX, 2017 ; again verified the bankruptcy after investigation and still no change made to my credit report. I know I can file a small claims suit against XXXX but I can not afford to do this. XXXX does not have the legal right to retain this bankruptcy much less report it. Is there a way for you to intervene on my behalf so I can get this bankruptcy deleted once and for all? I would appreciate any and all support you can give me in order to make this right, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2019-05-09
Company: AMERICAN EXPRESS COMPANY
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 never was late on this account. I need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: States Recovery Systems, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
States Recovery System continues to, despite my demand for them to cease, contacting my employer. 

State Recovery System was informed by telephone on XX/XX/XXXX, and again on XX/XX/XXXX, that my employer prohibits personal calls ( specifically relating to debt collection ). Specifically, on both of the above dates, State Recovery System 's representative XXXX XXXX was told this and also informed that calling my employer ( with knowledge ) of the prohibition is a violation of Section 805 ( a ) ( 3 ) of the Fair Debt Collection Practices Act. 

States Recovery System again, on XX/XX/XXXX, at approximately XXXX XXXX contacted my employer. 

States Recovery Systems violated FDCPA Section 804 ( 5 ), by informing my employer of their business name, i.e. " States Recovery Systems '' which connotes the call was related to the debt collection business, and the call relates to the collection of a debt. 

States Recovery Systems ' conduct is harassing and abusive. This is the exact conduct prohibited by the FDCPA, and because it has been repeated with directly knowledge of the violation, it is therefore reprehensible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
To whom it may concern, I have written four dispute letters requesting proper verification of two debts reporting by XXXX XXXX and XXXX XXXX. I have written and sent four different letters to Experian @ XXXX XXXX XXXX XXXX, TX, XXXX all by certified mail tracking numbers XXXX deliverd XX/XX/XXXX, XXXX deliverd XX/XX/XXXX, one also sent and XX/XX/XXXX, & the last one XXXX delivered XX/XX/XXXX. In each letter, I requested the proper documents they have on file to verify each debt is mine, I also requested documents of an original comsumer contract with my signature on it, as well as asked to be given the name of the person in there company who verified the accuracy of each account. Each time, four different responses, the company responded that they contacted the creditor and verified the debt was mine but failed to provide any supporting documents nor the person info in the company who verified these accounts, just a response that did not meet the requirements by law giving them the right to report a debt on my credit file, illegally damaging my credit. Since they have not responded with proper verification nor have provided me any of the documents they have required by law to have on file for adverse accounts on an individuals credit report, I am asking for assitance with removing these adverse accounts XXXX XXXX {$930.00} and XXXX XXXX XXXX {$1400.00}. These accounts have not been properly verified therefore l, I am asking for them to be removed from my credit file.

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 2017-07-14
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Each year i was given a choice on how much of a loan I wanted, books, tuition, room and board, food ... no parental supervision around me I chose to take the maximum that was available to me thinking i have 4 years before i need to pay anything back. while attending XXXX XXXX I visited my guidance counselor several times a year looking for guidance on what my career path should be. The proper guidance given my results from the numerous test they gave me should have been to leave purdue and attent a XXXX XXXX and enter the work force. After 6 years and 5-7 changes in my major I graduated XXXX and and wound up going back to school to become a XXXX XXXX. Now in the work force I owed over {$50000.00} working in my dream job making {$10.00} per hour. no choice but to deffer it as long as i could. now I owe over {$100000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: KY
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:
Experian refuses to take off a report on my credit, i paid off account about 2 years ago and have been trying to get it taken off Experian. XXXX already confirmed it was payed off but Experian refuses to take it off. Report already fell off other 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 2019-07-31
Company: EQUIFAX, INC.
State: NV
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:
My personal credit report was compromised .. I did not allow any of these companies to check my credit report. Inquiry done is illegal and must be removed from my credit file. Given the growing cases of identity theft, I'm sure you'll agree with me that if failure to verify such inquiry needs to be stopped. Please remove XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Experian Information Solutions Inc.
State: CA
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 did not consent to, authorize nor benefit from any of the following accounts attached is the identity theft report. Block and remove them. 

1.XXXX XXXX XXXX XXXX XXXX 2 . XXXX XXXXXXXX XXXX 3. XXXX XXXX XXXX 4.XXXX XXXX 5. XXXX 6. 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 2018-01-03
Company: WELLS FARGO & COMPANY
State: LA
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 have several inquiries that are appearing on my report that are not mine. Wells Fargo # XXXX, XXXX # XXXX, XXXX, XXXX XXXX. Would you please have these inquiries removed that are a result of attempted fraud. I have fraud alerts that are in place on my report that will not allow new accounts to be opened without my consent.

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 2019-07-31
Company: AMA Advisors, LLC.
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:
I recently refinanced with Homebridge Mortgage Company and my first payment was due on XX/XX/XXXX. I went to their website on XX/XX/XXXX to make the payment and their system would not allow me to make just the XXXX payment, it required me to make XXXX & XXXX. I was forced to make both payments because if I didnt, then I would be penalized with a late payment. The next morning, XX/XX/XXXX, I called them to see if I can adjust the payment to just XXXX payment and pay XXXX at a later date. The representative on the phone advised me to cancel the entire payment and he would then transfer me to someone else to re-do the payment to just cover XXXX. I was very concerned that if I cancelled, they would report it late on my credit report but the agent reassured me that they would not report it late. I agreed to cancel and he transferred me to make the single payment. When I tried to make the payment with the next agent, she told me that they no longer had my loan and it was transferred to another lender and I was unable to make the XXXX payment with them. When I called the new lender, they advised me that it would take at least 10 days to see the loan in their system and told me to call back then to make the payment. Now Homebridge reported me late for the XXXX payment and I am requesting they remove that late payment from my XXXX credit report. The Homebridge agent gave me incorrect information. If you check the records, my payment was made on-time ( not XXXX days past due, it was XXXX days ) and it was cancelled the next day. It is unfair to force consumers to pay XXXX  months before the month is technically over. If it was not for the agent giving me the incorrect information, my credit would not be effected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Allied Collection Services, Inc. (Nevada)
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 a collection from Allied Collection Services showed up on my credit report, I disputed the account with XXXX XXXX  directly and also XXXX directly both came back that everything was accurate so I disputed again that I disagreed with the decision. I have never once received any notification via mail about being sent to collection, an original statement from Allied Collection Services saying this is in their office and they are authorized to collect on this XXXX  account, no information to dispute, nothing what so ever in the mail from this company. It now shows on my XXXX XXXX report as closed but when I run my credit to try and get a mortgage it says it an active collection. The information for the agency on XXXX XXXX gives me a number not in service and I have no account number or information from collection agency about this account. When I disputed I was never sent any kind of proof of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX i made a large lump sum payment of XXXX towards my mortgage with chase bank. they gave me a loan modification to start paying in XX/XX/XXXX i have asked Chase 2xs to convert my loan to my original terms to start paying my mortgage in XX/XX/XXXXinstead of XX/XX/XXXX. since i made a large payment in XX/XX/XXXX i have called on XX/XX/XXXX they put in a request for this for this a work order. 
i waited to hear from Chase no response, so i called again on, XX/XX/XXXXand i told chase that i wanted a recast of the modification to start paying my mortgage in XX/XX/XXXX not XX/XX/XXXX this time they gave me a Reference # XXXX and they said they would have to recalculate principal and interest i said this is great. and they would put in a work order. as of today XX/XX/XXXX i still  have not heard from chase on this recast of my mortgage loan payment. i want answers why they are not responding and giving me the recast of my loan, and they are ignoring me and discriminating me as well. this response from Chase should only be no more than 3 days to get this amount figured out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: The Receivable Management Services LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The receivable management is trying to collect a debt from me, XXXX XXXX, inside the state of Arkansas where they are not licensed nor bonded which is against the law. I would like for this to be removed from my credit report immediately and for them to cease contact with 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 non-monetary relief
Consumer complaint received 2019-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Fraudulent hard inquiries that I asked Transuion to remove. XXXX and XXXX   removed them and help me set up credit alerts so it won't happen again. Some one is trying to extend credit with my information. I filed a dispute already but they said they cant do it until 2 years. I just want them all deleted Im trying to establish credit not destroy 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 2021-09-16
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 called to close my account in XXXX. The company assured me that the account was closed. Months later they charged me {$5.00} on an closed account and reported a late payment when the account and closed and cleared months prior, l.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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 was made aware of the fraudulent accounts and I was assured these items would be Deleted and Removed from my Credit Report I will attach yet again the Sheriff 's Card so that these items can be DELETED from my Credit Report. 
XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: DC
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:
Letters was sent to Equifax, XXXX and, XXXXXXXX on XX/XX/2019 and XX/XX/2019 and requesting validation of debt and verification of unauthorized credit inquiries. In my request for validation, I reminded XXXX that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to The Credit Bureaus n to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. I also requested correspondence be in writing. As of today, XX/XX/2019, XXXX has not provided me with verifiable proof or copies of the documents used to validate this debt or document showing permissible purpose for the credit inquiries The Credit Reporting Agencies are reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Herbert P. Sears Co., 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 status incorrect

Complaint:
i communicate several times with XXXX  XXXX  To Remove THAT errors FROM MY CREDIT REPORT, THEY DID NOT. I WAS NEVER LATE PAID ON TIME AS AGREED. THEY TOOK my car and didn't NOT Want TO do BUSINESS WITH ME.THEY CHANGE ACCOUNT STATUS from late AFTER 3 YEARS and it IS reporting as a REPOSSESSION. Now They Sell it TO COLLECTIONS Company HP SEARS, ALLEGED account # : HP SEARS ( ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX # : XXXX .Address is XXXX XXXX  XXXX, XXXX , CA XXXX, THEY REPORTED TO CREDIT BUREAUS AGAIN and RUIN MY life and CREDIT.. 


THANK YOU

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