BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
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: Information belongs to someone else

Complaint:
Despite sending written requests to the Experian and XXXX Credit Reporting Agencies, my pleas for proper verification and deletion of erroneous information on my credit reports have been ignored. I previously sent a dispute letter to the Experian and XXXX Credit Reporting Agencies, but no response was ever received from them. I have obtained and reviewed a copy of my updated credit reports, and it is evident that the Credit Bureaus have disregarded my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which clearly states that the continued reporting of unverified information, without any provided proof within the time allowed by law, is not authorized. 
The following erroneous information is still present on my credit report and has significantly impacted my credit score. I am seeking your assistance in promptly having these items deleted from my Credit File : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00}. 
These items have severely damaged my Credit File, and I urgently request that the Experian and XXXX Credit Reporting Agencies remove these accounts completely from my Credit File without any hesitation or excuses. Your prompt assistance in resolving this matter is greatly appreciated.

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 2021-01-28
Company: Charleston Area Medical Center
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Health Care Financial Services has summitted a balance of {$830.00} on my Credit Report. I have never had an account with them nor have I signed any documents, contracts or agreements with them. I disputed the claim several times according to the Fair Credit Reporting act, Section 609 ( a ) ( 1 ) ( A ), they 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. Health Care Financial Services sent me a copy of my signature on another company 's contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inquiry from XX/XX/2021 Bankcard Comenitycapital/XXXX I was out of the country for 20 days, I came back in XX/XX/XXXX and today XX/XX/XXXX I get a notification in my credit report as a new inquiry in XXXX 

I called the bank and they dont have any history with my SSN, so someone is using my SSN and made this. 

I need to clean this inquiry, Im growing up my credit score, Im really upset and at the same time Im worried

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: Maximus Education, LLC dba Aidvantage
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I've been in contact recently with Aidvantage who is my new servicer. However, because of the payment pause, I've never made any payments with them so they don't seem to have any information that helps me. I HAD XXXX and previously XXXX XXXX. 

I went to school and earned my XXXX XXXX XXXX back in XXXX. I struggled over the years and was put into a forbearance multiple times as THEY suggested, which I know now was not the right decision. That's my first problem. Then I went back to school and earned my XXXX XXXX XXXX in XXXX and completed in XXXX. 

With the new information from XXXX XXXX and all of the changes within loan forgiveness and such, I began to wonder if my loans from XXXX were almost to a point of being forgiven since I've had them almost 20 years now. When I started looking into it, I found those loans had been consolidated multiple times without my knowledge and without my permission. Now it appears those loans are dated XXXX when they were actually disbursed back in XXXX. I requested some proof or an application where I asked for this but no one has record of it. I was told to file a claim at studenaid.gov which I did although I realized there's no option to complain about a servicer. I had to submit it like I was complaining about my school ( it wasn't their fault at all ). I then find out, while I'm researching, that I'm not longer in an XXXX. Not sure when ... why ... or how that happened. So I was told that I have NO qualifying payments toward forgiveness but if I wanted I could start right now. WHAT!?!?!?!? I have had these loans for over 20 years!!!!!!!!! I started off on an XXXX and now I ended up on some other plan and nothing counted. 
To recap : Problem 1 : They convinced me to go into multiple forbearances over the years. 
Problem 2 : XXXX XXXX consolidated my loans one time and then XXXX did it again without my request or knowledge at all. I never had any parent plus or any private loans so there was NO NEED for that. 
Problem 3 : I was taken off any XXXX and now my clock is completely reset on any forgiveness after I've had my loans over 20 years! 

I always get the run around so I'm just hoping you can help somehow. Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-07-18
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-07-18
Company: Experian Information Solutions Inc.
State: WI
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 researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; EXPERIAN XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : 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 2016-01-22
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
the person who would not identify them self threatened to have me arrested if I did n't pay them the inflated amount they demanded. I asked for a breakdown on how the charges came about and he said that is n't his job, his job is to put me in jail or collect money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 successfully sent over documentation/supporting details regards to this fraudulent /incorrect account that have been added to my file. After speaking to numerous customer service reps in addition to faxing over documentation showing I am a victim of identity theft. Despite showing supporting document Transunion, has failed to update my credit file accordingly. 

XXXX XXXX XXXX XXXX of XXXX Reason : Fraudulent Account

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 2023-11-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 credit bureaus that the accounts reported below in not authorized. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed below. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

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 non-monetary relief
Consumer complaint received 2023-07-18
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:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items were reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed 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 2022-09-13
Company: FIRST ADVANTAGE CORPORATION
State: OH
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: Information belongs to someone else

Complaint:
Some of the things that came up in the background check is my dads history also it has both of our information on there and he has more stuff than me that has been reported! Please pay close attention I am XXXX XXXX XXXX and XXXX self disclosed my charge before the background check actually came

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Harrassing phone calls on my personal phone late night or early mornings, after repeatedly telling them not to call me, also being spoken too in a very condescending tone like I am not a adult.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The accounts listed below still reporting as erroneous despite my record shows that this accounts was Paid as Agreed. In violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not correct these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2016-02-08
Company: Money Investigations, Inc.
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
XXXX XXXX has called my family about a loan for another family member and is very rude, called my mother crazy and needed medicine, called my mother in law whom is XXXX years old and told her she was a liar. He has called my brother and threatened him and called him a liar. Everyone hung up on him and he keeps calling back. We did not co sign for a loan and do not want to be contacted and have told him, but he does not care. Please stay away from this man.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. states 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Inaccuracies for XXXXXXXX XXXX XXXX  Account # XXXX listed below. 
Date of last activity : XXXX reports XXXX XXXX, XXXX. XXXX reports XXXX XXXX, XXXX. Experian reports XXXX XXXX, XXXX XXXX XX/XX/XXXX Days Late : XXXX reports XXXX. XXXX reports XX/XX/XXXX. Experian reports XXXX Payment History : XXXX reports No history available. XXXX reports Youve made 65 % of payments for this account on time. Experian reports Youve made 80 % of payments for this account on time. 

Inaccuracies for XXXXXXXX XXXX  XXXX XXXX Account # XXXX listed below. 
Date of last activity : XXXX reports XXXX XXXX, XXXX. XXXX reports XXXX XXXX, XXXX. Experian reports XXXX XXXX, XXXX XXXX XX/XX/XXXX Days Late : XXXX reports XXXX. XXXX reports XXXX. Experian reports XXXX Payment History : XXXX reports No history available. XXXX reports Youve made 17 % of payments for this account on time. Experian reports Youve made 21 % of payments for this account on time.

These inaccuracies are preventing me from getting a student loan to further my education, and from buying or renting a home.

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 2023-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This bank of America claims department are criminals. Everyone I have spoken with have a criminal back rounded sould ot be at this bank and as you see on my RT respond they have said that my aims were closed and they were not said they have paid me.and that's not true because if they did why was re they open now. The latest after falsifying my whole account to. They now have taking pictures of me at Bank of America last year. And when I didn't have a bank of America Bank card but I did have a bank account with XXXX XXXX so I was going to Bank of America which I was living next door to to get money out of my XXXX account but they took the pictures from me being there getting money out of my XXXX  account and use it on my claims from 2020 and it had nothing to do with me getting money out of Bank of America account. They also have people on the pictures with me I have never seen a day in my life I don't know those people not guarantee you find out who those people they are they don't know me first my account not a falsifying pictures and lying about my pictures on my account I don't know what you guys job is and what you're supposed to do but I would assume you guys are supposed to help us I sent you all the evidence that this bank is falsified my account or Central evidence of this bank has done a whole lot of things that's against the law my next move is to file criminal charges against Bank of America and XXXX XXXX that you guys charged them to pay back to customers believe me they're not giving us anything so what are they doing with the money can y'all find that out too please thank you and they claim to know nothing about the injunction that was filed against them none of the supervisor or the employees and that's ridiculous when the injunctions it's rules they're supposed to be following I don't care if they know nothing about it or nothing they supposed to be following certain rules that judge XXXX put down for them and they're not doing any of it that's another crime they're committing one I guess they need to be reminded that no one is above the law I mean no one you commit the crime you do the time it's hard to trust someone that lies to you about their name in the state they were in every time they pick up the phone the first thing they do to us is lie how are y'all trusting these people with millions and millions and millions of people money and their criminals and liars and thieves and scammers it's only thing I got out of them

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 2023-07-18
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to cosign for my mom a new vehicle, and my salesman told me that my credit was too low accept me as a cosigner. I asked him to review my credit report for me. There are several student loans and collection accounts that do not belong to me. I never even went to college in my life. Please remove these items from my report. 

XXXX XXXX {$1000.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$96.00} XXXX  XXXX XXXX {$350.00} XXXX XXXX XXXX {$67.00} XXXX XXXX {$41.00} XXXX  XXXX   XXXX {$6700.00}

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