BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
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: Account status incorrect

Complaint:
this complaint starts with CFPB complaints including XXXX, with incorrect late payment reports. this complaint was not adequately addressed with Experian and other CRAs, believing the complaint was not made by me, XXXX XXXX, and therefore was not addressed. XXXX  and XXXX  also have not yet adequately responded. PLEASE HAVE CRA REPRESENTATIVE CONTACT ME DIRECTLY FOR COPIES OF SENSITIVE FINANCIALS THAT PROVE LATE PAYMENT REPORTING IS INCORRECT. (  the following was my feedback to complaint XXXX ) This complaint is mine, XXXX XXXX, and was written and furnished by me to the CFPB for their assistance in correcting wrong and derogatory reporting by these creditors, XXXX XXXX, XXXX, and XXXX, to the CRAs. Please assist me and the CFPB in removing all reporting by these creditors. The creditor is not adjusting the reporting to CRAs as it might reflect guilt during this civil litigation and the issues are sensitive to the mismanagement of escrow funds and violations of RESPA, namely refunding surplus escrow funds. These are the primary reasons the creditor refuses to change CRA reporting and why I, XXXX XXXX, am asking the CRAs to work directly with me and my documentation that proves the mortgage servicer has always been in receipt of the monthly payment, or more, within 30 days of the due date. I am looking forward to a representative from each of the three credit reporting agencies to contact me directly at XXXX for copies of my financials, including mortgage statements, that will not be made public or shared with any other party.

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 2019-06-18
Company: Experian Information Solutions Inc.
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:
I received a credit alert on my credit report from XXXX XXXX XXXX for an amount of {$1500.00}. They are acting on behalf of XXXX XXXX XXXX. This item is not correct. I used a service at a local care called crimson care over a year ago and was working for a company called XXXX XXXX which I had a XXXX XXXX XXXX XXXX plan from the company at the time of the service. My Health Card was verified at the time services was rendered and confirmed. I paid for the out of pocket at the hospital for the remaining cost at XXXX XXXX. All of a sudden, I got a report on my credit profile of Account collection. I never had a direct dealings with XXXX XXXX XXXX. I consulted my local provider which is XXXX XXXX XXXX Alabama and presented my Health Insurance which was sponsored by my then company I used to work for. I tried to reach out to the company XXXX XXXX Alabama USA and was told company stopped operations in Alabama.This is unfair report.Also tried to dispute this with Experian with a report # 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 2019-06-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 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 2018-10-31
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Diversified Consultant Account Settled For Less Than The Full Amount This Company Promised To Report And Remove It From All Credit Files But Its Still Showing Up On My XXXX Credit File

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I was a long time customer of Bank of America but closed my accounts because of banker incompetence and deposit errors. I was charged a {$35.00} NSF fee for a check that was processed the same night I received a direct deposit of my paycheck. I also had {$100.00} stolen from me out of a joint account because that bank did not close the account when I told them to do so and they took NO action of any sort to help me resolve the matter. I am still not getting any help after all this time and these greedy sons  of  XXXX can expect to hear from my until I at LEAST get back the XXXX NSF fee that I was unjustly charged.

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 2019-06-18
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Systems or TSI called me and called my elderly parents to collect a medical debt that I do not owe and that is not reported on my credit report. Their representative stated I owe more than {$500.00} to XXXX XXXX XXXX XXXX. I explained that I did not owe this debt for the following reasons. 

About two years ago I was a passenger in a XXXX yellow cab. The cab was struck by another car. As a result, I received treatment at the hospital in XXXX XXXX, which is now a part of XXXX XXXX. I explained to the Transworld caller that if the alleged debt arose from this incident, it was not a debt that I owed. The hospital was authorized to collect payment for my treatment from the insurance companies involved in the car accident and did so. 

I do not know how this debt collector received my information about this debt as to my knowledge does it does not appear on my credit report. More importantly, they called my parents at their home even though I have never shared their phone number with them or XXXX XXXX XXXX Services, or the hospital. My dad is in his eighties. It is abusive for them to call my family to attempt to collect a debt, especially a debt that I do not owe. 

I also do not understand how they would lawfully disclose medical debt information to a third party, even if that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XXXX, I co-signed for a loan for my mother. I signed once, however, I believe multiple disbursements and loans were taken out without my consent. Additionally, the interest rate for this loan is variable and currently sits at 14.75 %. I was NOT informed of the interest rate, or that it would be variable when I signed as a co-signer. Navient has provided misinformation about how I can get off the loan and refuses to lower the interest rate to a reasonable rate and lower the payment. The loan amount has more than doubled since XXXX, even though the loan is being paid. I spoke to Navient today ( XX/XX/XXXX ) and they still continue to deny our request for a lower interest rate ( from 14.75 % ) and they refuse to lower the payment ( currently over $ XXXX/month ). We need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: EQUIFAX, INC.
State: MS
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:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XXXX Today is XX/XX/2020 and I still havent heard from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
I have to tried to resolve this issue with Wells Fargo Dealer SVC. They have been reporting unauthorized information on my consumer credit report causing me harm to my reputation, mental anguish and have made it difficult to obtain credit. Account XXXX does not belong on my consumer credit report. I have disputed the accuracy of this alleged debt with the consumer reporting agencies of XXXX and XXXX and they report this account as " verified '' when I request " validation '' of this alleged debt. On XX/XX/2021 I sent a letter to Wells Fargo Dealer SVC demanding Validation of this alleged debt. They have failed to respond to me with any form of validation. This account continues to erroneously be reported on my consumer credit report and it must be deleted from my report. It continues to cause criminal harm to my reputation over this alleged debt. This is a violation under 15 USC 1692d ( 1 ) and ( 3 ). I demand this account be deleted.

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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XX/XX/2020 I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to XXXX, Transition, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XXXX Today is XX/XX/2020 and I still havent heard from these companies.

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 2020-06-23
Company: Credit Karma, LLC
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:
I DID NOT AUTHORIZE TO HAVE ANY LENDER CHECK MY CREDIT ON XX/XX/2020. THIS IS FRAUD!!! I DID NOT AUTHORIZE A MORTGAGE HARD INQUIRY!!!! I RECEIVED THE FOLLOWING EMAIL ON XX/XX/2020 : " Hi XXXX, We just refreshed your mortgage shopping offers for you based on your profile. As a reminder, you have 14 days to shop around after a mortgage hard inquiry without impacting your score! 

Your Shopping Window A lender checked your credit on XX/XX/2020. 

You have until XX/XX/2020 to check rates without hurting your score.1 icon Your Housing Profile XXXX XXXX Credit Score Range : 660 - 679 ZIP code : XXXX Looking to refinance? 

If you're looking for a new home, we've searched our lender network. This is our top pick from our partners. 



XXXX fixed from XXXX  XXXX  by XXXX  XXXX  Interest Rate 3.375 % APR 3.455 % NMLS ID # XXXX Get my quote Looking for other options? 

If you're looking for other mortgage offers, check out our marketplace! 

Explore marketplace Wasn't you? 

This mortgage inquiry doesn't look familiar to you? We do our best to identify what financial product you applied for to give you advice and recommendations, but sometimes our algorithms can get it wrong. Please log in and review your credit report to make sure everything is good. 

Transactions you don't recognize may be a sign of fraud. If you didn't apply for a mortgage or other loan, you can file a dispute directly with the bureau. 

Cheers, The Credit Karma Team I DID NOT AUTHORIZE TO HAVE ANY LENDER CHECK MY CREDIT ON XX/XX/2020. THIS IS FRAUD!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
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:
I first disputed items on my credit report, Equifax sent a response that they investigated the dispute and they verified that the items that i disputed was in fact mine .... this is false. they never did a resonable investigation, their response was that " the furnisher of information certified that the item disputed was mine '' THIS IS NOT AN INVESTIGATION ACCORDING TO THE LAW. My rights under the fair credit reporting act has been violated I then sent Equifax a letter requesting a Method of Verification and they sent me a credit report. They are being paid to report items and they dont care if they are accurate or not and they are not doing any investigations making sure they are reporting the items i previously disputed are correct or that they belong to me. 

Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). 


The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report. Example : If you filed a suit against someone and you showed up in court with no proof against that person, what would the judge do throw the case out of court! Without documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: NAVY FEDERAL CREDIT UNION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported that my card was lost or stolen. Bank issued me a new card and provided refund of disputed charges. A few days later they reposted the charge in an amount of {$400.00} plus I paid over limit fees which were never refunded even though I never made those transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Experian Information Solutions Inc.
State: MD
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 that you post on a credit report. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for various accounts. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

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 2019-06-18
Company: LJ Ross Associates
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Today, LJ Ross Associates, contacted my father ( I am not a minor ) and gave him specific details as far as my account number, the name of the company owed to and the exact dollar amount owed to XXXX. My father was not associated with this account. I was the only account holder

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: R & B Corporation of Virginia
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Experian Information Solutions Inc.
State: TX
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:
Experian claims it verified 2 collection accounts reported on my credit profile, one with XXXX XXXXS and the other with XXXX XXXX XXXX XXXX. 

I sent a Method of Verification request, which they received on XX/XX/2018. By law they have 15 days to comply with my request, ot delete items from my credit profile. 

To date neither has been done.

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 2019-06-18
Company: Dyck-O'Neal, 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:
The collection agency has re-aged 6 accounts according to the original creditors date of first delinquency. I asked them to delete the accounts immediately but have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: ERC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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: Information belongs to someone else

Complaint:
I noticed a car loan on my credit from XXXX XXXX XXXX. I never purchased a car from this creditor. I contacted the creditor and told them that I never purchased a car from them. They stated that it was done in a different state. I have never been in that state. Now they are reporting late payments on my credit. I sent them an FTC FRAUD AFFIDAVIT and informed them that this is fraud. They refuse to remove this rom my credit knowing there is a car out there in my name through them and IT IS FRAUD

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 2022-08-05
Company: EQUIFAX, INC.
State: IL
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation