BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: ERC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Experian Information Solutions 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:
On XX/XX/XXXX I submitted a dispute to Experian for XXXX & XXXX account number XXXX thats reporting on my credit report. The account came back as verified. On XX/XX/XXXX I submitted a method of verification letter to Experian. I never received a response from them. I contacted Experian on XX/XX/XXXX and spoke to a representative by the name of XXXX. I communicated to him that I submitted a letter requesting validation/verification of the above account on XX/XX/XXXX and I had not received any response. He acknowledged that he received it. I asked him to delete the account since they failed to verify it. He specifically said the account was verified but they dont have to tell me how they verified it or what information was used to verify it. XXXX also stated they dont keep information in consumer files about the debt. I know this is against the FCRA because all accounts must be 100 % accurate, 100 % verifiable and 100 % timely. Other violations on this account includes inaccurate reporting. Experian is reporting a closed account status with a balance of {$520.00} and an open date of XX/XX/XXXX while XXXX is reporting an open account status with a balance of {$520.00} and an open date of XX/XX/XXXX. Also, Experian is reporting payment history on a closed account and the debt has increased several times. XXXX  is reporting ND for the payment history and the balance has also increased several times. To my knowledge, all are against the law. Im requesting for this inaccurate and unverifiable account to be deleted immediately from each of my credit reports. This account has caused my credit scores to sink and Im being denied credit because of it. Thank you for your assistance in this matter.

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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ 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 non-monetary relief
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2017-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I would like to be a part of the law suite for Equifax Credit security breach for mishandling and improper storage and safe guards on my personal information. I need to get information on this process. Lastly, an open fund up to 1 million dollars to cover any lost money or corruption, loans or other financial procedures open in my name by anyone other than myself as of today XXXX-17.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: AZ
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: Billing dispute for services

Complaint:
I became aware Sunday, XXXX XXXX, that I was being billed on my XXXX credit card monthly. I was never aware of any authorization on my part, hence I never even knew about such a membership through experian credit bureau. I scrolled through transactions from XXXXXXXX XXXX for {$1.00} then a monthly charge of {$21.00} per month from XXXX XXXX. Till it was cancelled. That is {$190.00} that I am in debt for. I am a senior and struggling with potential bankruptcy and surgeries etc. It is immoral for experian credit bureau to somehow manipulate that charge without my awareness. I expect a full reimbursement from them for i am struggling to pay down these cards. Experian told me to contact bank, bank told me to contact experian.

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 2022-07-15
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:
It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$6300.00}

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 2022-07-15
Company: EQUIFAX, 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 my 10th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have received repeated calls from National Recovery Agency ( XXXX ) which I normally dont pick up the call but today ( XX/XX/17 ).  The female caller wanted me to verify my SSN and date of birth. I asked the caller to inform which vendor she was calling on behalf of. She refused and demanded that I verify my SSN and DOB which I refused in case this was an attempt to steal my identity. I asked the caller to please let me know what bill she was trying to collect and maybe we can resolve the issue. The caller refused and threatened me with jail if I didnt verify my SSN.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When I realized I couldn't make payment in XX/XX/XXXX with my Lender Wells Fargo I applied for Unemployment forbearance which I later closed as I already got a job by XX/XX/XXXX and started making payments until XX/XX/XXXX but the mortgage company applied 3 months of payments to the month of XX/XX/XXXX and reported it to the Credit bureau and sent me a letter stating that I am behind 5 payments. Later I applied for a loan modification to catch up with the missed 2 months payment based on their suggestion but later closed it as my contract job ended by XX/XX/XXXX, but the application was still pending until XX/XX/XXXX due to the negligence of the specialist so I filed a complaint with the manager and asked him to close the application as I wanted to go back to unemployment forbearance but they didn't close the application even after I made several phone calls later I filed a complaint with the customers relations but they never contacted me regaridng that eventhough they created a case for my complaints. Also, the specialist was asking for documents telling me one thing but later question about my other transactions on my bank account which is not relevant to the reasons they stated for requesting the bank statement, and they were also asking for new documents every single day which only explains that they are looking for proof not to approve my application so I asked them to hold off the process until they find a resolution for my complaint but the specialist closed the case and sent a letter stating that I can apply for a short sale, but even before they did this they have sent emails through the Advertisements I have on websites asking for videos and photos of my whole house and they also contacted USICS and IRS regarding my case which I haven't given authorization for. Even before I started the application the specialist suggested a short sale and kept saying that they cant guarantee that my application will get approved. i filed a complaint several times stating that there is some kind of fraud going on but they never responded to my complaints, also they have not given any explanation on why they reported 3 months payments to one single month and claim that I am late for 5 months payment.They also didn't convey that I can still continue on the unemployment forbearance as my job was a temporary contract job when I informed them about my employment after the approval. Likewise they are misleading me in several ways and being deceptive in requesting documents and sending out people to look at my condo and such.

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 2022-07-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint in response to the current evaluation done by the XXXX XXXX XXXX. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I believed that the accounts I am disputing were already taken care of due the letters I have been sending to the Credit Bureaus. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to corrected. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXBalance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed XXXX {$500.00} XXXX XXXX XXXX Balance Owed : {$0.00}

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 2022-10-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Chase bank paid a {$500.00} fraudulent check written on my account which had no signature on the front of the check. They said the check would not have been accepted if brought into a branch for cashing/deposit, but because the transaction was remote deposit capture no one looks at it and it gets paid automatically. They said the other bank was at fault for allowing the deposit to be initiated. It does not sound like they have sufficient controls to protect consumers from fraud for their remote deposit capture processing. It also seems unfair to admit the check would not have been accepted in person, but because it was paid via XXXX  I have no recourse. 

My fraud claim was denied by the bank because the check was stolen from my vehicle, but I dont believe the check should have been paid in the first place due to a lack of any signature on the front of the check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-02
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Currently my student loans report that I have over seven late payments during the XX/XX/XXXX-XX/XX/XXXX time period however they have been in good standing since the end of XX/XX/XXXX. This reporting on late payments is negatively impacting my credit score and is enabling me from obtaining a mortgage. I have emailed the CEO of Navient about the issue as of XX/XX/XXXX and have yet to receive a response or resolution on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi, My name is XXXX XXXX. I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XXXX XXXX, 2020 XXXX XXXX, 2020 XXXX XXXX, 2020 XXXX XXXX, 2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XX/XX/XXXXRECEIVED THE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing this complaint to have the following bogus information removed from my credit file since it has been a struggle. The ID THEFT REPORT I sent to my dispute letters has a list of the items I wanted erased. Due to identity theft, I was not the one who made the charges or opened the accounts. In accordance with Fair Credit Reporting Act Section 605b, I request the deletion of the entries to fix my credit report. I notified the Federal Trade Commission about the identity theft, and copies of the FTC 's Identity Theft Report are also provided. I hereby attest that I have not granted anyone access to my private or confidential records, and most definitely not to the allegedly inaccurate information that appears on my credit report. In accordance with FCRA Section 605b, I thus request that the Credit Bureaus promptly erase these details from my credit report with their company. Please delete these items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$33.00} XXXX XXXX XXXX Balance Owed : {$3400.00} XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
I am filing this complaint to have the following bogus information removed from my credit file since it has been a struggle. The ID THEFT REPORT I sent to my dispute letters has a list of the items I wanted erased. Due to identity theft, I was not the one who made the charges or opened the accounts. In accordance with Fair Credit Reporting Act Section 605b, I request the deletion of the entries to fix my credit report. I notified the Federal Trade Commission about the identity theft, and copies of the FTC 's Identity Theft Report are also provided. I hereby attest that I have not granted anyone access to my private or confidential records, and most definitely not to the allegedly inaccurate information that appears on my credit report. In accordance with FCRA Section 605b, I thus request that the Credit Bureaus promptly erase these details from my credit report with their company. Please delete these items as soon as possible : 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

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 2022-01-13
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 status incorrect

Complaint:
Investigation proves I was never late with XXXX XXXX and Experian is the only one that will not UPDATE my account to CURRENT/NEVER LATE

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 2022-07-15
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/2021, XXXX XXXX, Account # ( XXXX ) added a derogatory mark on my credit report per XXXX credit monitoring service. Upon, further research, this account was transferred/sold by the original debtor, and I am not responsible for the account. Debtors ' creditor did not verify this collection and the information contained as accurate. Also, there was NO written form of communication, contract or signature for this accused debt. A bill without a signature does not validate the debt and the information contained within this collections account contains false/inaccurate information, which has been furnished too the credit bureaus illegally. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation