BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-26
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX 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
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-20
Company: EQUIFAX, 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 information incorrect

Complaint:
In XX/XX/2017 here was a mistake made in reporting a 30 days late on my mortgage. The problem has been rectified with the mortgage agency. Attached is a letter from the reporting agency stating the removal of the 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20
Company: Concord Servicing Corporation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2011 my timeshare membership was included in the Bankruptcy Courts. The membership was with XXXX as shown below. I have been receiving collection notices from Concord that will be affecting my credit scores that I have been trying to improve since 2011. XXXX, even thou I have sent them the paperwork from the courts showing that the membership was included in the bankruptcy, say that the membership was not discharged with the bankruptcy and that I owe the fees and the late fees as well. and that my membership is still valid. 
Thank you in advance for your help with this problem. 
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
Consumer complaint received 2020-03-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Citi Cards has been charging me a payment safeguard fee For years when I never signed up for this feature and they have been sued for it in the past for their misleading of customers and fraudulent charges for this service. Their letter to me after asking to hear or see documents/recordings of my enrollment in payment safeguard stated they were unable to fulfill your request to listen to the enrollment conversation and denied reimbursement of the fees. 

I never signed up or agreed to these additional fees and was either enrolled fraudulently or was grossly misled. 

The fees they have been fraudulently charging me equal well over {$1500.00} from XX/XX/XXXX til the end ofXX/XX/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 2018-05-20
Company: EQUIFAX, 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 information incorrect

Complaint:
An unauthorized hard inquiry appears on my credit report with Equifax. I do not have now or have I ever had a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: CREDIT ACCEPTANCE CORPORATION
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: Public record information inaccurate

Complaint:
I currently disputed a Repossession on my credit reports with the three major reporting credit agencies, they have failed to provide veriable proof of the debt. My information was inside of a data breach and my information was breached and account was opened in my name. Please further investigate this matter because I am in the process of purchasing a home and this information is damaging my credit history. In accordance to the FCRA, I have the right to receive accurate information and anything that is not accurate or validated is a violation of my consumer rights. Please resolve issue thank you so much.

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 2018-05-20
Company: DISCOVER BANK
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX charged my Discover for {$64.00}. I previously cancelled XXXX prior to XX/XX/XXXX.

I called Discover around XX/XX/XXXX to file a dispute. I also called XXXX again. 
Discover denied my dispute on XX/XX/XXXX, I called again on XX/XX/XXXX and was told there was nothing I could do, even though I have documentation. The charge of {$64.00} remains on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: OR
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
i've been out of work since last year in XXXX due to covid i had XXXX  XXXX i've been struggling with health issues where i couldn't work. i finally found a job after all the illness i've had i'm hopefully getting better. i'm really behind my house payments from XXXX all until XXXX i wont be able to get a payment through until i start working good hrs

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2022 I attempted to open an online account with XXXX XXXX, as they advertised a 0.6 % interest rate. 

I received a " Thank You for Applying We need more time to process your application. 
We will reach out to you within XXXX - XXXX business days with further information. '' message. 

I have not heard back from American Express, so I phoned them at XXXX and spoke with XXXX on XX/XX/XXXX. I asked her to find out the reason for the delay, as I had an American Express bank account previously without any delay, and also had an American Express credit card. She hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions Inc.
State: AZ
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 disputed this account with all three of the credit bureaus. All but Experian refuse to investigate and fix the account. I have sent them 4 different request to verify the account and provide me with proof of the verification and to correct the 23 charge offs that are showing for one account. 
Since I started these disputes in XXXX not only is the school XXXX University reporting monthly that the account is a charge-off to make it appear I have a lot more than it actually is. There is now another collection company reporting on the same account ( showing on all 3 credit bureaus ) and stating it is also 120 days late with them and I have never received one letter from this company. To top it all off this account is paid.

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 2023-01-25
Company: WELLS FARGO & COMPANY
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo Home Mortgage foreclosed on my home in 2008. they refused to do a modification or temporary assistance to save the home. I seen a notification of a settlement ordered for Wells Fargo to pay for damages in foreclosures. 

I also had a couple checking accounts with them during this time and was charged many overdraft fees I have not yet been contacted by Wells Fargo regarding these settlements.

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 2019-11-19
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XXXX # XXXX is reporting a debt that I do not owe. I was in a car accident and the insurance was supposed to pay for this, I should not have this debt on 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 explanation
Consumer complaint received 2019-03-27
Company: EQUIFAX, INC.
State: MO
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 called on XX/XX/2019 at approximately XXXX to request the reason for not receiving my dispute results in a timely fashion. The representative verified the information was not sent out and my address was not updated from my disputed correspondence. I asked the representative if they could send out the updated results from the investigation from XX/XX/2019 and she would not resend documents without copies of my ID that they already have on file from previous paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent a full amount of {$620.00} in the mail to XXXX and they should have received it on the XXXX of XX/XX/2023. They stated that the amount is not paid in full when it is in fact paid off and I have sent a full payment amount. I expect that at the end of the month they will remove the account off of my credit and show that it is paid off in full on XX/XX/2023. It is financial harassment and false reporting to continue to harass me for money I do not owe. I have sent the full amount of {$620.00} which is more that I owe, and I am now pursuing legal action against XXXX XXXX. I expect that my account will show as paid in full at the end of XX/XX/2023. I have sent the payment and they have received it. It is their fault if they claim to not receive it. It is no longer my responsibility once it gets to them. I am sick and tired of their poor customer service and I am now pursuing legal action against XXXX for XXXX XXXX and fraud. I want it off my credit report at the end of this month and I have already sent the payment so it better show paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: NRA Group, LLC
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: Account information incorrect

Complaint:
I have been disputing and are not getting a timely response and i need answers because the account listed is NOT mine or i dont recall it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Account Services Collections, 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:
XXXX XXXX cra-hippa violation inaccurate information account no knowledge of or not mine sent po number to credit company reporting inaccurate information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
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:
This is now my second request for your agencies to remove two items that I am not responsible for I have request prior and they are still listed There are two accounts that do NOT belong to me which are XXXX # XXXX XXXX XXXX # xxx I am NOT liable for these two accounts these need to be removed off of my personal credit file. 

I have already mailed two request also this needs to be addressed ASAP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-20
Company: Navient Solutions, LLC.
State: FL
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 called Navient about repayment options on my loans. I have two private loans, and it is difficult to pay the minimum monthly payments. When I called they advised me that they do not have repayment options available for me. Basically saying if you fall behind oh well, but these are your terms and we cant do anything for you. I need flexible payment options like extending the maturity date to lower the payments and a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
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: Account information incorrect

Complaint:
Dear Sirs, XXXX  XXXX XXXX pulled a hard inquiry on my Experian credit report on XX/XX/2018. 
I have never authorized this inquiry and I kindly ask you to remove it. 

Thank you 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 2021-04-27
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/XXXX, I had a car stolen. The car was financed through XXXX XXXX  The theft was immediately reported to the XXXX XXXX and was fully covered under the insurance policy and gap insurance. It took approximately 2 months for the insurance company to pay off the bank ( XXXX XXXX XXXX XXXX XXXX, And because there was a time-lapse within the date the car was stolen and when it was deemed a full loss by insurance. XXXX / XXXX had me pay a partial payment which I did. Due to the bank 's  error, they failed to update the files of this account and they reported to the credit agency that this loan was a charge which it clearly wasn't. I called XXXX and they cleared the matter and gave me credit for payment and told me that the account was clear and no money owed buy they said being that the account is no longer active I would have to consult with the credit reporting agencies to get the account cleared to paid never late status. This account was never late, and my payment history reflects that clearly on my credit report. XXXX XXXX XXXX  sent me a letter stating that the account was clear and paid in full and said I can send that to the credit reporting agencies which I did and nothing has been cleared up. I've sent numerous letters, proof of the vehicle theft, proof of insurance payment to bank and they still refused to correct my report. I've demanded proof of their investigation and I still haven't received anything, Just an updated report with no other information. Prior to this my credit was up to date and all payments on time and this error has damaged my credit significantly. I am requesting that the agency either correct this error to show paid on time never late or remove this disastrous account from my report. You have XXXX XXXX left to pay on this loan. 

This is the way they are showing my report. 
Account Info XXXX XXXX XXXX Account number XXXX Balance {$0.00} Highest Balance $ XXXX Monthly payment {$0.00} ( no info on monthly payments ) Opened XX/XX/XXXX XXXX XXXX yr, XXXX mos ) Term 41 months Payment History Last payment No Info Current Payment Status In XXXX  Worst Payment Status No Info Account Details Account status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 30/60/90 days late 0/0/0 Closed XXXX. XXXX, XXXX All this information is inaccurate and incorrect. No late payments, no balances, just an incorrect derogotory mark they refuse to correct.

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 2023-01-19
Company: Experian Information Solutions 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 submitted a letter to Experian on XX/XX/23 to update this suspicious information. I think they have not validated this account in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 


XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: ENCORE CAPITAL GROUP INC.
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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
Complaint being filed towards Experian for incorrect reporting on XXXX XXXX  Account Verification information for proof that I XXXX XXXX XXXX is filing this complaint and it's not a fraud complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX Phone : XXXX Date of Birth : XX/XX/XXXX I have called and disputed this transaction with Experian and also thru the CFPB which Experian stated on both disputes that XXXX XXXX  account has been closed and does not report on my credit report which is a lie. Experian will delete the account and two weeks later will put the account back on your credit report and blame it on the creditor. I have contacted XXXX XXXX several time inquiring if they informed Experian to put the account back on my credit report and they said no. XXXX does not report monthly to Experian any longer due to the account is paid off in full. I spoke to the Vice President of Customer Service at XXXX  XXXX XXXX XXXX and she was the representative to inform me of the information I am providing. I am requesting Experian to remove and XX/XX/XXXX late payment reporting on my XXXX XXXX Account immediately. I have enclosed documents showing proof that the settlement check was cut, received and deposited by XXXX XXXX in XX/XX/XXXX. The attorneys I have hired from XXXX XXXX will fight legally with Experian to get the account removed permit but at this time due to the proof of payment in full to XXXX XXXX in XX/XX/XXXX I am requesting the late payment to be deleted 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 explanation
Consumer complaint received 2018-05-20
Company: Credit Karma, LLC
State: CA
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: Didn't receive services that were advertised

Complaint:
During application for a XXXX credit card an equipment failure sent the application to several past pages. My credit is at risk.

Company response to consumer: Closed with explanation