BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-20
Company: Experian Information Solutions Inc.
State: OH
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 date of XX/XX/2019 I Checked my credit report when I noticed a derogatory mark on my report from a XXXX XXXX XXXX {$300.00}, XXXX/XXXX   {$580.00}, that I had not known existed nor was I in the know of the account being used. My Name, XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I am filing a complaint to dispute all existing accounts that continue to reflect on my report but are not my accounts and am asking that proof is shown that these accounts are in fact mine. Under Section 609, credit reporting agencies are required to disclose certain information to consumers who request it. Verifiable Proof.

{ FRCA 607, 611, 609. } I noticed that there are addresses that are not mine showing as well. Please remove me from XXXX XXXX, XXXX, XXXX, XXXX. ( Gramm-Leach-Bliley Act ) 16 CFR 313.15 SECTION. ( 1 ) With the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction. I do not nor have I given my consent to any consumer database to distribute or sale my information. 
I would like the following addresses deleted XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. Please delete all other variations of my name. I am no longer affiliated with those addresses. I would like to have my credit report to reflect true up to date information that is accurate.

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 2019-03-27
Company: NRA Group, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Recovery Agency ( NRA ) has improperly aged the real date of first delinquency ( on XX/XX/2018 ) to the service date ( on XX/XX/2018 ). NRA did not mail me any notice before regarding this matter, and they just reported this open credit debt to my history. 

My corresponding insurance claim shows that the medical center submitted the claim very late on XX/XX/2018 ( more than 3 month after the service date ), and then they billed me on XX/XX/2018. If an account is established under what is called open-type credit ( not to be confused with an open account ), then the full amount is due when billed. By the law, the consumer has 180 days from the day of first delinquency to pay the medical account before the agency is allowed to report it to the credit bureaus. But NRA reported it on XX/XX/2018 based on their previous feedback to my complaint in CFPB. 

( 1 ) NRA did not send any collection notice to me before reporting. 
( 2 ) NRA altered the date of first delinquency. 
( 3 ) NRA reported the account before 180-days period.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: TRANSUNION INTERMEDIATE 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:
I called each of the credit reporting companies on Monday XX/XX/XXXX and asked customer service about removing unknown inquires, XXXX  on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. I was told there was nothing I or they could do other than wait the time to them to remove them selves unless I could provide proof I did not know who the companies were. I asked how I could prove something I did not know about. They said that is why I had to wait for it to fall off.

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 2018-03-21
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have received several forbearances on my loan while being unemployed, and the interest has compounded unfairly on my principal balance. My payments have been so low, I have unknowingly increased my loan balance significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: GreenSky, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Company of Greensky, located in XXXX, Georgia has successfully closed the account a amount was rendered as their final process to close the account back on XX/XX/2018. The overall problem was I needed to cancel the contract with a contractor that utilized XXXX XXXX. This had to escalate in XX/XX/2018 involving the Attorney General. The Attorney General was successful in advancing that portion within this financial institution to their legal division. From there over a course of months I was able to collaborate with one of the legal representatives. This legal representative within Greensky on XX/XX/18 determined a amount to close and finalize the concern for the sum of {$520.00} and the same day I obtained from my bank a certified check from XXXX XXXX XXXX and mailed it. In the memo the account number was placed along with " paid in full ''. Greensky has cashed this certified check but continues to say I owe now over {$70.00} in charges. This amount was with one of their legal advisers. Every time you call them its the same thing of over 20-25 minutes wait, your allocated to telemarketer and no one can seem to advance to sending me a account closed, bill paid in full for my credit reporting needs. 

I do not owe them anymore than what their legal representative had me make their check out for. I am asking for a zero balance, account closed letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-29
Company: Experian Information Solutions Inc.
State: MO
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 paid my XXXX XXXX XXXX card off a month ago. They show and say my balance is XXXX, however XXXX has reported a {$3600.00} balance to all 3 credit bureaus and they are blaming it on the bureaus. They have made my score drop over 100 points with this inaccurate information. I believe that this was done out of malice due to a disagreement with them. They admit my balance is XXXX, but are still reporting inaccurate information about the balance.

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 2018-04-29
Company: EQUIFAX, INC.
State: MO
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 paid my XXXX XXXX XXXX card off a month ago. They show and say my balance is XXXX, however XXXX has reported a {$3600.00} balance to all 3 credit bureaus and they are blaming it on the bureaus. They have made my score drop over 100 points with this inaccurate information. I believe that this was done out of malice due to a disagreement with them. They admit my balance is XXXX, but are still reporting inaccurate information about the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 been reviewing my credit since transunion server error and i noticed alot of inquiries was placed back on my report in some cases 3 times more on my report i also had cases of the wrong address like i had California addresses on my report and i never been. I went online to resolve the matter with transunion i was able to correct the address issue but it doesn't give you the option to address the inquires. 1. XXXX XXXX   XXXX, 2. XXXXXXXX XXXX XX/XX/XXXX, 3. XXXX XXXX  XX/XX/XXXX, 4. XXXX XXXX XX/XX/XXXX, 5. XXXX XXXX XX/XX/XXXX, 6. XXXX XXXX XX/XX/XXXX, 7. XXXXXXXX XXXX   XX/XX/XXXX and XX/XX/XXXX XXXX, 8. XXXX XXXX XX/XX/XXXX, 9. XXXX XXXX, 10XXXX XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 11. XXXX XXXX XX/XX/XXXX, 12. XXXX XXXX XX/XX/XXXX, 13. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 14.XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, 15.  XXXX XX/XX/XXXX, 16. XXXX XXXX XX/XX/XXXX XXXX, XXXX, 17.

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 2019-04-20
Company: CREDICO. INC
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2019, I sent the collection agency, XXXX XXXX XXXX XXXX XXXX XXXX, SD, a certified letter to stop contacting me in any form whatsoever, per my rights under the FDCPA. Per U S Postal Service records, they received the letter on XX/XX/2019. On XX/XX/2019 they sent another collection letter to my mailing address, in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
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: Old information reappears or never goes away

Complaint:
I contacted Experian a few months ago about a debt that they have removed numerous times on my credit report but keep reading from XXXX XXXX of XXXX XXXX, Ar. XXXX of this year, Experian sends me a letter stating that I needed to take it up with the creditor. On XX/XX/XXXX of this year, I sent a letter to XXXX requesting verification of the debt via certified mail. XXXX did not accept the letter and had it returned to me. I sent another letter to XXXX via regular mail again requesting they verify the debt. XXXX then sends me a letter in XXXX stating that I do not owe the debt. I send Experian and XXXX  the letter that was sent to me from XXXX. XXXX removes the debt, but Experian sends me a letter dated on the XXXX of XXXX stating that they verified the debt with XXXX. I am looking into legal means to handle the situation, but I am giving Experian one last chance to rectify their wrong permanently.

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 2018-03-21
Company: WELLS FARGO & COMPANY
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:
Wells Fargo ( the creditor ) failed to mail me billing statements. Because of this I notified them every month in writing and by phone that I had not received any of my billing statements. The creditor stated that they would be sending out the statements in the mail and that their system keeps having issues with not sending the billing statements. The creditor never sent me billing statements. Because of this I was unaware if I had a balance on my account. I was also unaware if I had a minimum payment due. I did not make any payments as I did not receive instructions on how to pay my bill.

I NEVER SIGNED UP FOR ELECTRONIC STATEMENTS, I NEVER KNEW I HAD ELECTRONIC STATEMENT, I NEVER AGREED TO ELECTRONIC STATEMENTS. I DID NOT RECEIVE ANY EMAIL REGARDING ELECTRONIC STATEMENTS.

The creditor reported my account as late ( delinquent ) to all 3 major credit bureaus ( XXXX XXXX XXXX ). After a while, the creditor finally sent me a collections notice requesting immediate payment of a specific dollar amount without explaining what the amount was for. Because I did not want negative information on my credit report, I paid the amount that was requested of me. The creditor reported my account as charged off. The creditor violated several consumer protection laws by not reporting my account as current ( never late ) and closed. The creditor does not have tracking information showing that I received the billing statements they were required to send me.

I DISAGREE WITH WELLS FARGO 's RESULTS. I REQUEST A REINVESTIGATION OF THIS DISPUTE. WELLS FARGO NEEDS TO ADDRESS EACH CONCERN IN DETAIL AND PROVIDE PROOF THAT THEIR RESULTS ARE ACCURATE. WELLS FARGO HAS NOT PROVIDED WITH PROOF THAT I SIGNED UP FOR ELECTRONIC BILLING STATEMENTS. ( I NEVER SIGNED UP ) WELLS FARGO NEEDS TO PROVIDE PROOF OF DELIVERY OF THE PAPER BILLING STATEMENTS.

If you find the disputed information referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

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 2018-02-10
Company: EQUIFAX, INC.
State: PA
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 have made several phone calls to Equifax credit bureau since XX/XX/XXXX to remove three items off my credit report. The items are from XX/XX/XXXX, each item total {$120.00}. Each item is from XXXX XXXX XXXX via XXXX XXXX and XXXX deleted these items off within a matter of seven business days. I call and verify name/dob/ss # /mailing address-I am told the lender states these three items are accurate. I believe this to be false, or else the other two credit bureaus would have never deleted these items. 
However, I have NEVER received nothing in writing from Equifax stating the results of the dispute. I no longer have reference numbers-when i called back to follow up, it was explained to me that the numbers i provided did not match what was on file. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have noticed that addresses that are not associated with me are reporting on my Experian credit report. XXXX XXXX and XXXX XXXX. As you probably know, XXXX XXXX Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested EXPERIAN to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

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 2017-11-29
Company: Experian Information Solutions Inc.
State: CA
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:
Upon checking my credit report I noticed that XXXX XXXX as well as XXXX XXXX XXXX has place an inquiry on my Experian Credit Report. This inquiry is not my inquiry. I have contacted Experian in hopes to remove this inquiry but was told that there are not allowed to remove any inquiries. I stated that this inquiry is not mine and I have no knowledge of this company. Per section 604 in the FCRA, I am demanding Experian remove this inquiry that has been added to my credit report immediately. Please kindly provide me with Permissible purpose, Proof that I as the consumer initiated the inquiry and written authorization per the FCRA section 604.

Thank you in Advance,

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 2019-04-20
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Barclays reported I was 30days late and I had a balance due.

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 2018-03-24
Company: SYNCHRONY FINANCIAL
State: AL
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:
account has been paid off and closed. company sent the last bill did not received.

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 2019-04-20
Company: Santander Consumer USA Holdings Inc.
State: MO
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 sent SANTANDER and XXXX both multiple letters of verification. I've requested both SANTANDER and XXXX to verify this account. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Altisource Portfolio Solutions, S.à r.l.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company XXXX XXXX XXXX is calling my number using various numbers twice a day to ask about a debt not owed by 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 2020-05-05
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
XXXX XXXX XXXX To : XXXX XXXX  Tue, XX/XX/XXXX at XXXX XXXX  " Generally, you'll want to keep your oldest accounts active and in good standing in order to prevent them from being closed. '' REALLY? 

I now own my home. It's a disappointing reality that creditors and credit monitoring services are incapable of congratulating debt-free clients. 
Credit score dropped 80+ points because I PAID OFF AND CLOSED MY OWN MORTGAGE ACCOUNT. 
Shame on you... 

XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
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:
1 ) XXXX XXXX XXXX XXXXEquifax XXXX XX/XX/XXXX {$18000.00} {$0.00} {$0.00} XX/XX/XXXX CHARGE-OFF 2 ) XXXX XXXX XXXX XXXXEquifax XXXX XX/XX/XXXX {$2900.00} {$0.00} {$0.00} XX/XX/XXXX CHARGE-OFF THE 2 AFOREMENTIONED ACCTS. WERE NOT CHARGE-OFFS. BOTH ACCTS. WERE DISCHARGED IN CHAPTER XXXX BANKRUPTCY XX/XX/XXXX. PLEASE ADJUST RECORDS ACCORDINGLY ... .THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21
Company: EQUIFAX, INC.
State: MN
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 DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THE ACCOUNTS HAVE BEEN DAMAGING MY CREDIT REPORT WHICH I WAS UNAWARE OF.

Company response to consumer: Closed with non-monetary relief