BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.

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 2019-06-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My credit report reflects three consecutive mortgage lates back in XXXX, XXXX and XXXX of XXXX suggesting that I was late in XXXX, XXXX and XX/XX/XXXX XXXX 30 day reporting ) I wrote the XXXX XXXX on XX/XX/XXXX disputing this report. I submitted both the credit report as well as my bank statement reflecting payments and dates for a full calendar year for both my XXXX XXXX accounts. I received a general acknowledgment response thanking me for my inquiry stating that I would be provided a response by XX/XX/XXXX. On XX/XX/XXXX I received a letter stating they were unable to determine my specific concerns. Additionally, I received a phone call that same day stating that they had resolution and basically reiterated what they show in their system. I asked them if they looked at any of my supporting documentation that reflected timely payments through my bank and that I thought they had an internal issue with how they applied they payments. This is consistent with how their statement reflects missing payments in XXXX and XXXX then multiple payments in XXXX. They admitted to not looking at the information and stated it would take more time. On or about XX/XX/XXXX, I received another phone call stating that they would not resolve my issues unless I submitted more supporting documentation. Since that time I have tried to get qualified for a mortgage on a new home and have been plagued with this inaccurate reporting. The new mortgage company that I have worked with has received very little cooperation from XXXX XXXX to resolve this as well. I am now stuck with the inability to get funding for a new home while in the process of moving. I believe XXXX XXXX has carefully walked the line in regards to being compliant with the FRCA, from a timing perspective, but has not done anything ethically to resolve the situation.

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 2020-02-18
Company: Key 2 Recovery, Inc.
State: MI
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 sent a debt validation letter to them asking for proof that I obtained this debt and they failed to provide actual proof that I obtained this debt! Now they are stating that the information that they provided to me WAS in fact sufficient, when by law it is NOT. I asked for my signature, or a school picture ID that PROVES I attended this school to obtain this debt! They provided a ledger and a class schedule. That is it! That in NO WAY proves that I attended this school or that the debt belongs to me! It doesn't include any identifying information to prove the debt is mine! By law, they have to provide proof that I attended this school because if they don't then they can't collect this debt! Just because they say the info that they provided was sufficient DOESN'T mean it is! Any judge in the land will agree with me! And I am prepared to take this that far if they want to keep playing games and trying to bully me into paying a debt that they can not even prove is mine!

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 2017-11-11
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:
Since last year I have been writing to all 3 credit Veros company disputing the information that I have in my credit report but with no result all I get is that the result have been investigating and is verified I have been asking for validation of the information thats in my credit report and each time I ask all I get is verification since XX/XX/XXXX of last year is about a year I have been writing to the credit bureaus for them to help me fix the problem and validate the information. The result for year have been verified and never been validated so Im asking your company to please investigate this information and have some validation information to me. The credit bureaus is very abusive in power and I feel trapped for them not to be listen to what I have to say and also I have fraud alert in my account in there undermine does also. I want to bankruptcy removed from my account I have no knowledge of it I have asked for for validation for that information and it was never provided to me I went to the court system to ask why do you report something thats not mine and they told me they never did so I dont know why the credit bureaus do you have so much power to do consumers like me this way. The law shows that if the credit bureaus can not validate information that they had to remove the item from your credit report so Im not understanding if they can not validate my information why do you keep running my credit the way they are. I am writing to you expecting you to investigate all three credit bureaus I need validation for my credit and I need all the negative items to be removed I have wrote to the companies more than 12 times and I still have not got any results from them so please write me back and let me know when exactly ready to do if I need to take the step to take the credit bureaus to court 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 2021-11-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
this account with XXXX was in a bankruptcy that was dismissed when the bk was dismissed I sent in the payment to pay in full how XXXX is showing i was 180 days late and 150 late... also they're reporting old late pays that should of been removed from credit... I want to to update my credit report or show when my bk was dismissed versus when I paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX at Tower loan in XXXX XXXX Missouri, violated privacy practices by contacting, and, giving information to my husband ( who is not on the loan ). The information she gave was that I owed them money and was 3 months behind on my loan. I have contacted their main office, and, the XXXX. Yesterday this same woman, apparently after having been informed of my complaint, called and left a rude and very inappropriate message, mocking me. I have informed them of the reason for my delinquency. I did not ask them to stop calling because at that point, I fully intended to make the account current.

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 2019-06-19
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:
Currently the XXXX XXXX is reporting two late payments XX/XX/XXXX and XX/XX/XXXX for 30 and 60 days past due. I was in a deferment and setting up a repayment plan with them and I have disputed this with them and the credit reporting agencies with no avail. I am trying to purchase a home and these false negative reports are hurting my chance at securing financing

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 2019-05-14
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I XXXX XXXX XXXX state that I have no knowledge of or admit to ownership of any account with Santander. 

I do not believe that this account is mine and believe that it is being reported inaccurately on my credit reports. I have never been presented with any documentation showing ownership of this account nor was I ever given notice that it was going on my credit and would be damaging to it. Nor was I given notice that I had a 30 day window to dispute this account in the beginning. 

Furthermore the account is full of inaccuracies reporting to my bureaus. 
The account claims to be " closed/charged off ''. That means sold to someone else. So why is it remaining on my credit reports. 
Secondly the amount claimed owed is incorrect. 
Third ... .how do you owe any amount on a charged off account? 

I've attached in this complaint a copy of my XXXX  credit report showing false information. And a copy of the cease and desist letter sent to the company directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: Receivable Recovery Services, LLC
State: LA
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 have had several account, that don't belong to me or that aren't correct. The accounts are as follows : XXXX XXXX acct # XXXX   Phone # XXXX, XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, TX XXXX  Original creditor ( XXXX XXXX ) Never had this account, didn't sign for it or authorize this account to be issued.

Receivable Recovery Acct # XXXX Phone # XXXX Address : XXXX XXXX XXXX, XXXX, LA XXXX  original creditor ( XXXX XXXX XXXX ) I went into the ER and I had insurance, my insurance company, didn't notify me I had a small balance due. Nor did the service provider notify me via phone, mail or email, that there was a balance due. Receivable Recovery, didn't notify me of any debt, via phone, mail or email.In order to place a medical bill on a credit report, as a negative account, the debtor must notify and provide a certain period of time, to cure the balance prior to placing it on the credit file. Not notification of any kind was provided, to me as the consumer. Per the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have reported XXXX to Equifax, XXXX, XXXX, asking them to Validate the debt of the amount {$520.00}. Under the fair credit reporting act as it is reporting inaccurate on my credit report. I started this process in XX/XX/2018-present. I have even sent validation letters to XXXX and spoke with a representative, asking what information do they have on file, making me liable for this charge-off account, she informed me, nothing. This matters has not been taken seriously in validating this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Rent Recover, LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2012 I moved away from a property called XXXX at XXXX XXXX locates in XXXX XXXX Ga. I was asked to give them a 30 day notice in which I submitted. The complex was very dangerous and my children and I feared for our lives. I explained this to them. There were break-ins, robberies and mugging. Definitely shooting every night. This was not and environment thats I wanted to raise my children in. So we moved away. When I saw my credit report I noticed they had charged me XXXX for what reason I do not know. However I do not owe them anything. Please erase this from my credit. I have tried several times to do so.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-19
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2022-02-02
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: Information belongs to someone else

Complaint:
When I received my credit report, I was disappointed to learn that the following incorrect and fraudulent things were still there, despite the fact that I had informed you that they were the result of identity theft. To help me fix my credit record, I'd like you to erase the entries indicated in my letter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
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:
Since last year I have been writing to all 3 credit Veros company disputing the information that I have in my credit report but with no result all I get is that the result have been investigating and is verified I have been asking for validation of the information thats in my credit report and each time I ask all I get is verification since XX/XX/XXXX of last year is about a year I have been writing to the credit bureaus for them to help me fix the problem and validate the information. The result for year have been verified and never been validated so Im asking your company to please investigate this information and have some validation information to me. The credit bureaus is very abusive in power and I feel trapped for them not to be listen to what I have to say and also I have fraud alert in my account in there undermine does also. I want to bankruptcy removed from my account I have no knowledge of it I have asked for for validation for that information and it was never provided to me I went to the court system to ask why do you report something thats not mine and they told me they never did so I dont know why the credit bureaus do you have so much power to do consumers like me this way. The law shows that if the credit bureaus can not validate information that they had to remove the item from your credit report so Im not understanding if they can not validate my information why do you keep running my credit the way they are. I am writing to you expecting you to investigate all three credit bureaus I need validation for my credit and I need all the negative items to be removed I have wrote to the companies more than 12 times and I still have not got any results from them so please write me back and let me know when exactly ready to do if I need to take the step to take the credit bureaus to court thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Professional Placement Services, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
numerous phone calls at all different hours with a recorded message that they are calling about a debt a have and to please call asap or action will be taken Company is called Pro Placement Services -XXXX I called them from a different # and talked to a girl- asking what they do & why the phone calls etc she refused to tell me anything unless I gave her my name etc. I hung up!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: Nelnet, Inc.
State: TX
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 have been paying my student loans since approximately XXXX. In XXXX I began working for a public institution of higher education in Texas. In XXXX I contacted my loan servicer, Nelnet, to inquire about what options I had regarding the public service loan forgiveness program. The individual I spoke with informed me that I would be paying " way more '' if I moved to pursue that. Trusting the advice I was given was my biggest mistake. After checking recently I learned that non of the payments I have been making since XXXX have counted or would be considered as qualifying payments under PSLF. In addition to this I also learned that my payment would not have been significantly higher if I had changed my loans over to a qualifying loan type as I was already on an IBR plan. 

After all of the negative news regarding loan servicers I felt it necessary to voice my concerns and disappointment with the entity that was entrusted to help me manage my loans. They are clearly not looking out for the consumers best interest. I am currently in a situation where I have lost XXXX years of qualifying payments toward PSLF and must begin new. As an American seeking financial freedom, like so many others, Nelnet is an assailant to my efforts. 

I have no recourse and the federal government will not protect me or you. The benefit of having such programs goes unrealized when the very entities who are to assist in facilitating it are purposefully misleading you and withholding information. The department of education has failed, yet again. The federal student aid office enforces nothing and loan servicers are free to " steal '' money from borrowers. XXXX XXXX XXXX is just a smoke screen, a slight of hand to keep borrowers confused and clinging to the possibility. The only truth we know is that you are on your own and no one will help you. Be vigilant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Paypal claimed to being holding my funds for 180 days even after I submitted the proper paperwork they did not release all of my funds. It was over {$25000.00} they gave me back a little over XXXX back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
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:
CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: NV
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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 




XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS AND INQUIRIES ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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