BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX XXXX ( Original Creditor : ) XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-06-15
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transworld Systems Inc is reporting a frauduent account on my credit. Upon speaking to Tranworld Systems they informed me that this accounts is linked to an adress I am not affiliated with. Please remove this account from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Experian Information Solutions Inc.
State: MD
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:
Hello my name is XXXX XXXX, I am submitting a complaint on both XXXX XXXX XXXX XXXX Second mortgage and all XXXX Credit Bureaus ( XXXX XXXX XXXX and Experian XXXX. 

On XXXX XXXX, XXXX I called XXXX to have verbiage remarks removed from XXXX and hours latter my XXXX XXXX dropped XXXX points. I called XXXX back to find out what caused this and after about XXXX it was discovered that my payment history with XXXX was removed by XXXX while removing the remark verbiage. XXXX said that this could be due to human error. XXXX stated that they would dispute this on my behalf and it should be taken care of in the next 30 days or so if they XXXX does n't have a problem with the dispute. 
XXXX XXXX, I also requested that XXXX and Experian remove the same verbiage from my closed account with XXXX and 4 days later my XXXX score dropped XXXX points. I am assuming Experian is to follow in the pattern however the current scores as of XXXX XXXX does not reflect a drop. 
I have NO late payments as of XXXX XXXX, XXXX on any of my accounts, my last known late payment was in XXXX, my credit card balances percentages are less than 39 % overall, I have had several inquiries on my credit ( XXXX in the last 3 months ) but doubt these hard inquires would such a drop in my 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 2017-10-24
Company: EQUIFAX, INC.
State: MD
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:
Hello my name is XXXX XXXX, I am submitting a complaint on both XXXX XXXX XXXX XXXX Second mortgage and all XXXX Credit Bureaus ( XXXX XXXX Equifax and XXXX XXXX. 

On XXXX XXXX, XXXX I called XXXX to have verbiage remarks removed from XXXX and hours latter my credit score dropped XXXX points. I called XXXX back to find out what caused this and after about XXXX it was discovered that my payment history with XXXX was removed by XXXX while removing the remark verbiage. XXXX said that this could be due to human error. XXXX stated that they would dispute this on my behalf and it should be taken care of in the next 30 days or so if they XXXX does n't have a problem with the dispute. 
XXXX XXXX, I also requested that Equifax and XXXX remove the same verbiage from my closed account with XXXX and 4 days later my Equifax score dropped XXXX points. I am assuming XXXX is to follow in the pattern however the current scores as of XXXX XXXX does not reflect a drop. 
I have NO late payments as of XXXX XXXX, XXXX on any of my accounts, my last known late payment was in XXXX, my credit card balances percentages are less than 39 % overall, I have had several inquiries on my credit ( XXXX in the last 3 months ) but doubt these hard inquires would such a drop in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a complaint against Resurgent Capital Services. The original creditor being XXXX XXXX. I paid off this balance and received the letter stating that the account was settled in full on XX/XX/2019 and it was actually settled on XX/XX/2019. 

Resurgent Capital has continued to debit my account for {$90.00} which should not be happening since I was finished paying this off on XX/XX/2019 and it is illegal! 

I want Resurgent Capital Services to stop reporting to all three of my credit bureau reports ( XXXX, XXXX and XXXX ) immediately. 

They have engaged in illegal behavior and I am actually contemplating suing them in civil court. I have called several times, each time I got a letter in the mail saying that they were going to debit my account AGAIN. They always said that the account has been closed in their office. Then why are they still taking money from me??!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-06
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CARTER-YOUNG ( Original Creditor : XXXX XXXX XXXX ) {$4100.00} I NEVER BEEN IN THIS PLACE! I NEVER GET ANY APARTMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Experian Information Solutions Inc.
State: WA
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:
For months I have been trying to have an account that I did not recognize and therefore was fraudulent from my consumer credit report. The account being referenced is from XXXX XXXX XXXX. I have disputed this account with the credit reporting agency several times, asking them to not just verify but validate that this account belongs to me. Each time I either received no response at all, for our received a very geneXXXX XXXX XXXX XXXX sentence response, which I can only assume is in auto response form letter that does not provide the information I requested in regards to how the account was validated. Specifically, what method was used, what phone number/address was used, who was spoken to, and what documentation was provided to them that allow them to reach this conclusion. Which is also required by law to ensure that they conduct a reasonable investigation, and not just be able to say whatever they want, but have to actually prove it. 

I have also reached out to the creditor that was listed on this account. Both by phone, and certified mail. By phone the individuals I spoke to informed me that they do not have any account by my name or by the listed account number on their records. So I sent letters via certified mail to the addresses listed for the creditors on my consumer credit report on Those letters were received on And as of this time I have not received a response from them. Which puts them out of the 30 days they are allowed by law to respond which makes the nail noncompliant which means this account must now be removed immediately. 

Here is a list of all the letters I have sent regarding this matter along with the dates they were sent, the dates they were received, and the response. 

Dispute sent to Experian XX/XX/2021, received XX/XX/2021. Response : XXXX ( Not XXXX ). 
Dispute sent to Experian XX/XX/2021, received XX/XX/2021. Response : XXXX ( Not XXXX ). 
Request for VALIDATION/INFORMATION OF DEBT sent to XXXX XXXX XXXX XX/XX/2021 XXXX received XX/XX/2021. NO RESPONSE. 
Request for VALIDATION/INFORMATION OF DEBT sent to XXXX XXXX XXXX XX/XX/2021 XXXX received XX/XX/2021. NO RESPONSE. 

You will find all of the letters mentioned above as well as an ftc report and XXXX data breach claim attached to this complaint. 

Thank you, 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 2022-04-30
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:
There has been MULTIPLE complaints against the constant violations this company has done on my credit report. So many complaints I have filed against this company and yet theres still violations after Experian states its been updated and dispute complete. If this is not removed off of my credit report permanently I will seek a consumer credit attorney for the violations hindering my credit profile.

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 2017-11-09
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
RE ; BAYVIEW LOAN SERVICING - LOAN # XXXX I am writing to you because I am tired and sick of Bayview Loan Servicing & XXXX XXXX phone # XXXX extension XXXX who is now refusing to help me with my modification request made over 6 months ago. 

I tried calling for the past 3 weeks and every time that I speak to someone from Bayview Loan Servicing they keep telling me that XXXX XXXX is on vacation and they do n't know when is she going to return back. 


All I ask for is help to modify my loan since Bayview Loan Servicing & XXXX XXXX phone # XXXX extension XXXX keep increasing my mortgage payment from {$2600.00} to {$3800.00}. I just found out that my monthly payment will be going up again to {$4600.00}. 


Please help since there people are taking advantage of me and my family. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hello my name is XXXX XXXX, I am submitting a complaint on both XXXX XXXX XXXX XXXX Second mortgage and all XXXX Credit Bureaus ( Transunion XXXX XXXX and XXXX XXXX. 

On XXXX XXXX, XXXX I called Transunion to have verbiage remarks removed from XXXX and hours latter my XXXX XXXX dropped XXXX points. I called Transunion back to find out what caused this and after about XXXX it was discovered that my payment history with XXXX was removed by XXXX while removing the remark verbiage. Transunion said that this could be due to human error. Transunion stated that they would dispute this on my behalf and it should be taken care of in the next 30 days or so if they XXXX does n't have a problem with the dispute. 
XXXX XXXX, I also requested that XXXX and XXXX remove the same verbiage from my closed account with XXXX and 4 days later my XXXX score dropped XXXX points. I am assuming XXXX is to follow in the pattern however the current scores as of XXXX XXXX does not reflect a drop. 
I have NO late payments as of XXXX XXXX, XXXX on any of my accounts, my last known late payment was in XXXX, my credit card balances percentages are less than 39 % overall, I have had several inquiries on my credit ( XXXX in the last 3 months ) but doubt these hard inquires would such a drop in my credit score.

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 2021-06-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I 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. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 just got off with a rep from Transunion and verified who i am. They did not know why I even needed to call in. She said you received my dispute request and its in progress what the XXXX is going on over there. Oh and my calls record too. You close my first complaint saying need auth and your rep didn't understand why. This investigation is taking to long. My original complaint : Hello. I am writing this complaint because Transunion has failed to complete an investigation or have failed to communicate back any status of an investigation. On XX/XX/XXXX I sent a letter disputing a few inaccurate items found my credit report as well as a notarized id letter, my drivers license, and bank statement for proof of address. I wish I could have known about them before a lot of my recent financing. I never heard back after my first letter. After some online research I know it is against FCRA to take longer than 30 days. Due to covid I just submitted a Follow up letter, that was on XX/XX/17. I wanted to involve the CFPB because its now been almost 45 days and I do not want my disputes neglected. Please deleted these inaccurate items from my report

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 2021-08-17
Company: DISCOVER BANK
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In response to Discovers " position '', You discover stated " On XX/XX/2020 your account was opened as a result of an internet application submitted that same day. You first submitted an application for prequalification for a Discover It XXXX account and were preapproved, and then submitted the full application. Through this application we verified your name, address, date of birth, and social security number based on your request to open the account. " Anyone can submit an online application with whoms information is public record. Where is your signed contract with my signature? 

You also stated " Your account was used for local transactions '' Where is your proof that I used the card? Where is your proof that I was there for any transactions that took place on said card? Where is your proof that I was in this local parameter for these transactions? Anyone can purchase anything anywhere. 

Pursuant to 15 usc 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I have asked for your proof that I created transactions on the account and you have failed to validate that. You have sent monthly statements but have failed to validate with proof who made the charges and have failed to abide by the FDCPA ( Being that you have stated in multiple letters that an alleged " debt '' ( a term your company used ) is owed to your company ). 

Aside from you not having proof of who submitted the application, who made charges on the accounts and violating the FDCPA after positioning yourselves as debt collectors. 

As a courtesy I will forward all correspondence, violations of FDCPA, XXXX and FCRA that your company has violated along with accompanying federal regulations to your states attorney general for further investigation into your corporations operations and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: Navient Solutions, LLC.
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:
I have been receiving robo-calls from Navient regarding a debt for a person that I don't know. The calls started out once or twice a week, then ramped up to once a day. After contacting them via phone and explaining, this is a place of business, I have been receiving twice the calls, the last one today, XX/XX/XXXX. I don't mind speaking with an Agent, even though the debt isn't mine in the hopes of resolving the issue. However, these calls are from an automatic messaging system, so you need to call them back and wait for 10-15 minutes to get a live person. Each person is cordial enough and tell you that they will take you off the list, then you receive two calls the next day. Please assist in fixing this issue. I'll provide all the pertinent information. Since, this is a business line, we've got all inbound and outbound call data saved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: CO
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 multiple fraudulent and unauthorized inquiries. I have submitted certified letters of disputes and still have not been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
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:
XXXX account # XXXX {$12000.00} the creditor said they would not report any negative payment to the bureaus for 6 months because I called prior to advise them my income had changed significantly due to covid. I  even asked the representative if there was anything I needed to sign and she said no that she would enter all information into the system. 


When Federal Law Prohibits Negative Credit Reporting The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances.

Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: Upstart Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/20 i called time payment corp and gave them my Account number on my credit file. they gave me a number to their legal department. i called then i gave them my information they acknowledge i filed for bankruptcy. then they gave me another number to call, called numerous times and left a message to get back with me, no one got back with me. prior to that i disputed my case with XXXX  more then once uploaded all legal documents. the dates XX/XX/20 XX/XX/20. they sent back false information to XXXX and said my case was accurate as i still owe them the debt. thats not true my bankruptcy is discharged. i disputed bankruptcy petition and discharge and my account is still open. i also disputed with other accounts on my documents upstart, XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/20. the disputed was for to update to bankruptcy discharge chapter XXXX no results. showed all documents also. file disputes XX/XX/20 to update bankruptcy chapter XXXX discharge with XXXX XXXX and XXXX for the account XXXX XXXX and upstart. i did not contact XXXX XXXX, upstart or XXXX XXXX XXXX XXXX just disputed them no results. by law with legal document my rights are being violated. all accounts should show bankruptcy discharge chapter XXXX with {$0.00} balance. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation