BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-12
Company: Experian Information Solutions Inc.
State: TN
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 mailed a letter to Experian on XXXX XXXX 2017. I sent in a letter requesting Experian not the creditors, to validate specific accounts that are listed on my credit report. I clearly understand that the FCRA requires Credit Bureaus to provide all documents stored on file that were used to verify the information that is being reported on me when requested. Experian is disputing the with the creditors I listed in my letter. However, this is NOT what I requested Experian to do. This letter has nothing to do with the creditors. I am specifically asking Experian to provide me with proof of these accounts, written contracts or any information to validate the debt, they responded saying they do not have that information. Therefore, the listed accounts are unverified. I am fully prepared to take legal action in order to protect my rights under the FCRA. I am requesting the unverified accounts be deleted immediately under FCRA section 609.

609. Disclosures to consumers ( a ) INFORMATION ON FILE ; SOURCES ; REPORT RECIPIENTS. -- Every consumer reporting agency shall, upon request ; and subject to section 610 ( a ) ( 1 ), clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request *I also sent Experian a photo copy of my Drivers License and SS card*

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 2018-01-12
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The XXXX XXXX ( Now, XXXX XXXX ) originated in XXXX, XXXX, XXXX, XXXX. They were at very high interest rates which I could not afford as a student. These are all over 7 years old. Navient keeps putting them on my credit report despite that the debt is as much as 12 years old now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
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: Was not notified of investigation status or results

Complaint:
At the end of my lease agreement with XXXX XXXX for my XXXX XXXX XXXX lease, I was not made aware of the {$390.00} disposition fee. I received a final bill after the lease was up on XX/XX/18in the amount of {$0.00}. 

No calls were made to me in an attempt to collect the debt of {$390.00}. It was only after checking my credit report when I noticed that the score had severely dropped due to this disposition fee that I was not made aware of. Because XXXX did not receive a payment in this amount, they " forgave '' my fee and claimed that they covered the debt on my behalf. This was not preferred on my behalf. 

Once I called XXXX and became aware of the fee, I immediately paid the debt and have received confirmation of the payment.

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 2019-04-10
Company: Jon Barry and Associates, Inc.
State: GA
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 recently been informed again that there is negative information reported by XXXX  XXXX  XXXX  in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$860.00}, {$1200.00}, {$250.00} & {$250.00}. I challenge the accuracy, compliance and reportability of these listing. 
There are no contracts, no valid claims ... accounts were settled with original creditor, grave errorsfalse claims and reportingI want these accounts removed and reported correctly immediately or litigation will follow. Debts can not be collected twice or reported inaccuratelythis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: ECMC GROUP, INC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
ECMC on the behalf of its servicer XXXX will not furnish proof that they own the debt and I owe the debt. I have requested original documents from the original creditor that were executed and authorized by me, however ECMC ( & XXXX ) have failed to furnish me the original documents that they are required to have on file under the FCRA and FDCPA. 

In addition, I requested a copy of the contract agreement that gave authorization for ECMC to be my guarantor, when I never signed any agreement initial with ECMC nor XXXX. Both companies have failed to respond to my request and confirmed that they can not. ( See attachments ) ECMC has furnished an account number that does not establish its affiliation with original creditor loan number. As well XXXX furnishes a different account number. Through discovery under the FCRA & FDCPA all accounts must accurately correlate and have an affiliation with the original creditor loan number existing.

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 2018-11-16
Company: Checkr, Inc
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Has a XXXX on report as criminals for a XXXX XXXX and I WAS NEVER EVER CONVICTED. REPORT SAYS TO CONSIDER!!! I LOSS THE JOB!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Westlake Services, LLC
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Westlake financial is Saying i owe The XXXX for a car. I reported In 2010 to the police that the person signed my name and used my identity i thought This was squared off and now i see It on my credit report.. I dont know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: CHECK INTO CASH INC.
State: IN
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 went into Check into Cash to obtain a loan that I had been to before. 
The following month, I noticed that the company did a hard credit check / inquiry. I contacted them and they informed me that they started doing them the month I came in. I explained that I was not told at the time I was in, nor was there any information regarding this in the store. They told me to call corporate. 
I called corporate, and they told me that they indeed did start doing them the month I came in. They also stated that there should have been placards in the store mentioning this and that it was in the fine print of what I had signed. I told them that there were no placards relative to this in the store and that I was not told of this change. They again, referred to the mention of it in the fine print. 
I had read near all of the extremely lengthy contract in the past before there was this change. Had I known or had they told me or had the placard up for me to read, I would have opted for another business nearby to do business with. This was explained, but they simply have no interest in my credit, the impact this has caused, or the desire to remove the inquiry that I did not authorize and was not made aware of them doing should I do business with them. I know in the end, it's the consumer 's responsibility to read everything. But, like I had said, I did previously. It should be their responsibility to inform clients of any changes or addendums they make. 
I simply want this inquiry removed. It not only impacted my credit score, but looks bad having done business with this type of company to future creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX recently added two new collection debts to my report. The service 's in question was service I received on XX/XX/XXXX and XX/XX/XXXX, from XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX. XXXX XXXX was the billing agency for XXXX XXXX XXXX at that time. I have a Primary ( XXXX ) and a Secondary ( XXXX XXXX ) insurance provider. XXXX XXXX told me that they billed the secondary as the primary and was not paid. They later billed the correct primary on XX/XX/XXXX and was paid but did not bill the secondary again. I spoke with them and they were correcting their billing mistake and would be contacting XXXX to inform them of their mistake and to update the status with the collection agency. XXXX recently (XX/XX/XXXX ) sent me a settlement offer that i ignored and contacted XXXX XXXX for them to handle. I guess this is why they say there are new collection debts.
The following information is provided for you verification process : XXXX XXXX XXXX XXXX Reference # : XXXX Total Balance : {$420.00} New Collections XX/XX/XXXXCreditor : XX/XX/XXXX Account # Regarding : Amt. Owed : {$210.00} Serv Date : XX/XX/XXXXCreditor : XXXX XXXX XXXX Account # Regarding : Amt. Owed : {$210.00} Serv Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I spoke with a rep ( XXXX ) onXX/XX/XXXX She stated that she would inform their billing department to rework the claim and to bill the secondary provider and that I should check back with them in two weeks, to find out what the status of the claim was.
Your attention to this matter will be greatly appreciated. Please let me know if I can provide you anymore information to assist you with resolving this matter.
Thank You, 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 2019-07-24
Company: Experian Information Solutions Inc.
State: TN
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:
The credit agency claims that they verify information through the original creditor. The agency sent a letter stating that they use a third party service called XXXX XXXX to verify the information. This is a violation of my federal rights under the fair credit reporting act. 

The original creditor was not contacted to verify the information. in regards to the public record of bankruptcy.

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 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

My only address is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX All the other addresses are not valid and each one has to be deleted from my credit file. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
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:
this orignal account was paid and agreed to be removed from my credit reports. when disputed with XXXX and XXXX,,, this account was removed from my account,,, however,,, equifax continued to continue reporting this as accurate information even though i had disputed correctly and given documents of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
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: Problem with personal statement of dispute

Complaint:
in the process of repairing my credit and this is my third attempt in trying to get the negative itema off my credit report sent letters even went threw cfpb and still no good results im trying not to use legal action to take these errors off just Erase the hard inquires please and thank you and i even sent letters of good faith to the credit card companys for my late payment since i been on time for the pass year and a half

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 2019-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
in the process of repairing my credit and this is my third attempt in trying to get the negative itema off my credit report sent letters even went threw cfpb and still no good results im trying not to use legal action to take these errors off just Erase the hard inquires please and thank you and i even sent letters of good faith to the credit card companys for my late payment since i been on time for the pass year and a half

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 2017-10-11
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am US Military Member currently XXXX. On or around XX/XX/XXXX I logged on to the OCWEN website a made a mortgage payment as usual. I make the pay on the XX/XX/XXXX of every month because this home is a rental and I usually do not receive the funds from my property manager till around that time. I do not know what happened, but I guess the payment did not go through. Since I am XXXX and do not have access to my phone number from home, or my mail I did not know that the payment did not go through. I was not contacted by email that my payment had not been made either. I then made a usual payment in XX/XX/XXXX online, I still did not notice that I had a delinquent payment because I had no reason to look for it. Some time towards the end of XX/XX/XXXX I got a email that it was reported on my credit that I had a late payment for my XX/XX/XXXXpayment. I then looked online at the account and caught the error. I immediately brought the account to current status and contacted the company about the error in payment processing. I relayed to them that I was XXXX at did not have access to the cell number listed, or my mail so I did not know that the payment did not go through. I sent them a email to request that the late payment be removed from my credit history since this was indeed a true error. I asked that they look at my payment history and see that I have never missed a payment. I also sent a copy of my orders for them to verify that I was XXXX  and did not have access to the listed phone number, or mailed statements.
I have worked very hard at keeping good credit history and if I was truly not making a payment I would see why they would not remove this. But given the circumstances surrounding it, I do not think it is fair to keep this on my credit history. If I was not XXXX this would have never happened because I would have received a courtesy phone call, or a notice in the mail ensuring that I caught the error and made the payment before it was considered 30 days past due. This will now affect my credit history for up to 7 years, and I not believe this is right to do to service members. 

I tried to correct with the company but they would not remove it from my account or credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was an authorized user on 2 XXXX XXXX credit cards. I have been removed from the cards but my credit reports have not updated.

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 2019-04-10
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX. 
{$240.00} XXXX XXXX XXXX {$490.00} XXXX {$70.00} XXXX XXXX XXXX XXXX There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed and I was advised to inform you to update your records ... grave errorsfalse claims and reportingI want these accounts removed and reported correctly immediately or litigation will follow. Debts can not be collected twice or reported inaccuratelythis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: GUARANTEED RATE 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:
On XX/XX/2019 I was notified and alerted by credit bureau XXXX that XXXX requested a copy of my credit report for a mortgage loan. I never applied for a mortgage loan. This was done in error and without my consent. 

On XX/XX/19 @ XXXX 1st attempt to dispute the validity of the inquiry. Spoke with XXXX XXXX over the phone and via email @ XXXX on XX/XX/19 @ XXXX. She said she would speak with the account manager for the company XXXX XXXX and for me to circle back with her and him on XX/XX/19 @ XXXX. Mr. XXXX said that he had made the correction on the inquiry that was done by error and that he was going ask for a reversal of this but yet on XX/XX/19 after I spoke with him at XXXX he said he had sent a correction letter to XXXX XXXX  and XXXX but today XX/XX/19 @ XXXX I spoke with representatives from these credit bureaus who tell me that they have not receive anything from Guaranteed Rate or XXXX for the inquiry to be remove from my credit file. I have too long for this error to be resolved and nobody is taken responsibility for correcting the issue. In the mean time my credit score dropped from XXXX to XXXX due to this inquiry. I have worked hard to maintain a good credit score and a good credit history for the past 5years for them to just ruin my reputation in a day. This is unfair.

Company response to consumer: Closed with explanation