BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-21
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:
On XX/XX/XXXX I paid {$27.00} for a certified letter to Equifax containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized, notary certificates and a federal trade commission identity theft affidavit. 
On XX/XX/XXXX I received confirmation that my certified packet was received by Equifax. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website, XXXX to refresh all three credit reports to review. I noticed that said fraudulent accounts have not been removed by Equifax. 
On XX/XX/XXXX I resent another certified letter to Equifax containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 
On XX/XX/XXXX I requested a Fraud Alert on my credit reports to prevent any further damage by this type of activity. 
On XX/XX/XXXX I received confirmation that my certified packet was received by Equifax. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website, XXXX to refresh all three credit reports to review. I noticed that said fraudulent accounts have not been removed by Equifax. 
On XX/XX/XXXX I resent another certified letter to Equifax containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 
On XX/XX/XXXX I received confirmation that my certified packet was received by Equifax. 
On XX/XX/XXXX I paid ANOTHER {$29.00} to my credit monitoring website, XXXX to refresh all three credit reports to review. I noticed that said fraudulent accounts have not been removed by Equifax. 
According to The Fair Credit Reporting Act, Section 611, the respective credit bureau has 30 days to investigate and remove the fraudulent account and not put it back on the consumers credit report. 
It has not been over 90 days since I sent the original certified letters to Equifax and the accounts have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: FIRST NATIONAL BANK OF OMAHA
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 status incorrect

Complaint:
First National Bank of Omaha, allowed a person to open a secured credit card, with the deposit from another a 3rd persons checking account. Without verifying where the deposit was coming from, never requesting a copy of my DL, SS Card, or banking records. At that time of my life, I didn't even have a Checking Account or Savings Account. I have sent them in a affidavit, police report yet they will not remove if from my records. Yet on XX/XX/XXXX they removed/deleted from my XXXX  FILE and on XX/XX/XXXX removed/deleted from XXXX FILE, yet want to allow XXXX  and XXXX to keep it on file. So it seems like a 50/50 draw. 50 percent there saying its mine, 50 % its not mine.

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 2019-03-19
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This dispute is in response to my discovery of a collections account on my credit reports from Diversified Consultants to collect a debt that I contend was not opened by or authorized to be opened by me. This is the second time that I have submitted a complaint regarding this account. The first collections attempt was via XXXX and it was removed from my credit report. I have filed the attached identity theft affidavit regarding this account and will also submit a fraud report with XXXX XXXX XXXX. Furthermore according to my credit report this collections account was added to my credit report on XX/XX/XXXX ; however as of XX/XX/XXXX I have received zero correspondence from Diversified Consultants informing me of their efforts to collect a debt, name of the creditor, amount owed or that I can dispute the debt per my rights under the Fair Debt Collections Practices Act. Also the Fair Debt Collections Practices Act, Section 609 ( a ) ( 1 ) ( A ), states XXXX XXXX XXXX / Diversified Consultants is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on a credit report. That said I require verifiable proof ( the original Consumer Contract with my signature ). I require this physical verification within the next 30 days during which I request that XXXX XXXX XXXX  Mobility / Diversified Consultant immediately remove all collections reporting entries from my credit report and cease and desist all collection efforts. Reporting this debt to credit reporting agencies without proper validation or verification has negatively impacted my ability to obtain credit and as a result I was rejected for credit. My next course of action will be contacting XXXX XXXX XXXX leadership of this violation of the FDCPA up to and including the CEO and Board of Directors and will purse litigation if this is not removed from my credit reports. If verification is not received within 30 days of this dispute under FCRA 15 U.S.C. 1681, unverified account reporting must be remove from all of my credit reporting agency report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
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: Information belongs to someone else

Complaint:
I sent my documentation to Equifax asking to verify the accounts reporting negative on my credit report. They keep telling me that the information is verified but they have NOT provided PROOF by way of documentation and/or my signature on contract to show that this is actually my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I went to emergency at XXXX XXXX off of XXXX XXXX in XXXX XXXX for a insect bite on my face XX/XX/XXXX, I have insurance and gave the hospital all off my information and XXXX card that have the medical record number and phone number on it, well the hospital never tried to billing XXXX which is in California at all, I reached out to XXXX for a record and they said there was no record of attempt from XXXX or the collection company Harvest Associates Inc . I contacted the collection company inXX/XX/XXXX and in XX/XX/XXXX and they actually wanted me to do there job and reach out to my insurer which I did my insurer told me they the hospital had 180 days to bill them in which they didn't even attempt. I didn't find out it was on my credit until XX/XX/XXXX. please help with this matter. Amount is {$770.00} Also have been insured with XXXX XXXX sinceXX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been dealing with this situation for many years and I have spoken to the ombudsman who basically did nothing after Navient responded with no explanation. I have received multiple letters from Navient with different balances and no proof of how the balances were created. Currently Navient states on the website that I owe them XXXX. However they just sent me a letter via mail that I owe XXXX. I have been dealing with this situation since I was in school at XXXX. I had to stop attending because I ran out of money, that is the 1st time I was aware of a problem. Besides the fraudulent activity of the school which I also have a claim on, Navient is changing the amounts constantly. When I got a lawyer to handle the situation, suddenly Navient makes up that I had loans from another servicer and they have now been added to the loans. I never had loans from XXXX, this is what Navient is now claiming. 
When I started XXXX I had XXXX is student loans from Sallie Mae This was for going to the previous XXXX XXXX College, and I also have made many payments under the IBR program. Now I somehow have accumulated XXXX in student loans even though with a revised letter from Navient that now says I owe {$23000.00} from the XXXX, that creates an unexplained amount of debt in question. My debts before XXXX were paid. And while I attended the college, I was also making payments. The amount of money XXXX University said that I borrowed is {$29000.00}. You can see from the math there is around $ 30K in interest accrued in less than 5 years. Of that amount, only {$1800.00} dollars is accrued interest on the XXXX loans which I attended earlier then XXXX. None of this is adding up correctly, and I have had an accountant look at it and tell me this is not correct. Navient will not provide any evidence that I owe this money accept a promissory note that could have been to any school. A master promissary note does not mean I owe every bit of debt that is tacked on from different people who have my name or from miscalculations from Navient. I do not owe this amount of money. I begin making payments in XXXX, and I want it to get allocated to the right accounts. I'm not going to make payments on someone elses bills. I was not sent any payment coupons and it says there is nothing due on their website. However I have a letter that says when I begin my repayment. I want to have the correct balance on the XXXX loans. I want them to take responsibility and explain their calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On the dates listed below, my representation submitted debt verification letters to Oportun/Progreso Finance . When Oportun/Progreso Finance attempts to verify the debt, they never submit proof with dates or amounts owed. They only submit a letter that falsely states there is proof in the same envelope, but there is always none. 

Per the Fair Debt Collection Practices Act ( FDCPA ), debt must be validated and verified within 30 days, this has not occurred and it is impacting my credit history negatively. 

Account Number listed on credit report : XXXX Name : XXXX XXXX XX/XX/XXXX XX/XX/XXXX -Debt Verification letter submitted XXXX Debt Verification letter submitted XXXX Debt Verification letter submitted XXXX Debt Verification letter submitted XXXX Debt Verification letter submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
During the months of XXXX XXXX and XXXX there were inaccurate billing issues. XXXX of 2020 the company reported to the credit companies that I had made a late payment. I have two bank accounts, one ending in XXXX and the other one ending in XXXX. I had made my payments accordingly, then kept getting notified that the account was not found. XX/XX/XXXX my payment was returned, XX/XX/XXXX was attempted to pay again, returned, XX/XX/XXXX was attempted, returned, then XXXX was processed. They can not explain what happened, my bank had no issues ( who I contacted ) and Ive used the same accounts and the same processing for my payment every month for the 3 years Ive had the account. They made me pay multiple fees and it clearly states I was properly making the payments and now it affects my credit score dramatically.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am writing as a victim of the XX/XX/XXXX XXXX  security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to XXXX XXXX XXXX and requested they only contact me by mail. 
The only response provided from the debt buyer were invoices and threats to litigate sent on XX/XX/XXXX and XX/XX/XXXX, they have been unable to provide me with the original contract, account history and other documents requested. 
Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by XXXX XXXX XXXX regarding this account. I have submitted this complaint in attempts to have this debt verified and this account investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-14
Company: Experian Information Solutions Inc.
State: TN
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 XXXX  XXXX XXXX mortgage account # XXXX has been paid and transferred to another lender. Experian CRA is still showing the account as " Open ''.

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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 obtained a copy of my credit report from the XXXX, XXXX and TransUnion. There, I discovered accounts and inquiries that are unauthorized. These are information that should not be on my report. These are inaccurate, outdated and can be considered as fraudulent.

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 2019-01-21
Company: CITIBANK, N.A.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX someone fraudulently stole my credit card information and used it for XXXX   XXXX for {$100.00}. After that repeatedly someone used my credit card information to take rides on XXXX and XXXX. I reported this matter to Citibank Credit Card XXXX but to no avail. Citibank said that I will not be liable for any unauthorized but they did not honor their promise.

I trusted citibank and they broke my trust. Why I should pay for the charges I never made and why didn't the citibank blocked these charges from taking place? These charges continued till XX/XX/XXXX and Citibank is asking me to pay for it. All these charges amounted to {$610.00} and Citibank sent this amount to an collections agency XXXX XXXX XXXX XXXX on XX/XX/XXXX and they made this amount to {$750.00} which includes {$42.00} in interest and {$100.00} in Interest. 

Then I received a letter from XXXX XXXX on XX/XX/XXXX asking for the same amount of money {$750.00}. 

So it means it was further sold to XXXX XXXX. Citibank never told me what they did about the investigation, never sent me a letter, never called me. A totally irresponsible bank who makes people a fool by telling them that they are 0 % liable for fraudulent charges. 

I will urge and request XXXX to cancel their membership with Citibank as they are the most disgusting Bank and I don't want to deal with them anymore.

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 2018-02-26
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loan reportings negatively affect me because it looks as if I've defaulted on several accounts, when there was only ONE, and that ONE is paid in full. I've satisfied the debt, I'm experiencing the following : - Loan appears multiple times, although only one loan was secured - Some of the student loans report as " Open '' although the balance is " {$0.00} '' and should be " Closed '' - Many payments are incorrectly reporting as current lates The following companies are involved : - XXXX  XXXX XXXX ( Listed 4 times ) - XXXX XXXX XXXX XXXX ( Listed 2 times ) - XXXX XXXX XXXX XXXX XXXX ( Listed 2 times ) - XXXX ( Listed one time ) I'd like to buy a home and secure business lines of credit to grow my business, and I can not as a result of these reportings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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 submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX : {$7200.00} XXXX XXXX XXXX Balance XXXX {$0.00} DEPTEDNELNET XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
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 status incorrect

Complaint:
On XX/XX/2020 and during the COVID period I have called my mortgage bank ( Wells Fargo ) For Forebarence plan and I got approved by them by phone to defer my mortgage payments at a later date, but after a month and a half I received a notice to take care of a past due mortgage payment which got me way surprised that I already had requested for the forbearance plan and called the bank to find out what happend and they had nothing in their record showing that the plan was established and they have already reported a late payment to the credit Bureaus without even any communications and any notices and I tried to explain them exactly of what happend and the fact that it wasnt my fault and in the history of my payments for 8 yrs I didnt have even 1 single late payment but they refused to help me. What they did to my report was very unethical and irresponsible. 
I dont even know that during the COVID, would they be allowed to report u for a late payment or not. In general I feel very very disappointed that the bank doesnt want to take any responsibility for their mistake not performing their job right and considering the whole situation as a good faith ground to delet the late payment from my report. Im really so sad because Im also trying to do a refinancing on my home and this one report is a big obstacle on my way of doing so. 
I really would like to ask for ur help to resolve this issue ASAP pls.

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 2019-03-19
Company: WELLS FARGO & COMPANY
State: TN
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:
Wells Fargo Dealer Services is reporting inaccurate information to all 3 credit bureaus. To XXXX they are reporting Charge off from XX/XX/XXXX-XX/XX/XXXX, they are reporting 90 days late on XX/XX/XXXX, 60 days late from XX/XX/XXXX-XX/XX/XXXX and 30 days late from XX/XX/XXXX-XX/XX/XXXX. They are reporting no derogatory information on XXXX and 90 days late from XX/XX/XXXX-XX/XX/XXXX on XXXX. Under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), they are not accurately reporting the credit bureaus.

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 2021-04-06
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
I already reached out to the credit bureaus and to SANTANDER CONSUMER USA for the account number XXXX and notify them of their error posting for this account. and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, and physical firsthand documentation of the payment history but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.

Company response to consumer: Closed with explanation