BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: SC
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 would like to file a complaint against XXXX, XXXX, and Experian because the credit companies are not complying with their own policies in a timely manner. I have sent out numinous letters of a Demand to Comply letters. The personal information on my credit report is not correct. These discrepancies have a huge impact on my credit report and i would like for these ideas to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: LA
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 XXXX XXXX XXXX XXXX XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This particular debt was added to my credit report  XXXX   XXXX . I was unaware of this debt until I started working to rebuild my credit in  XXXX  when I noticed it for the first time only credit report. I have contacte d National Credit Systems multipl e times to verify this account and have never received a written notice that this debt belongs to me. They have nothing with my signature proving that I went into contract with them, and what they continue to do is remove the account from my credit reports, and then add it back. They continue to open and close this account and place it in various areas of my credit profile. They are harassing me and negatively affecting m y credit score  by removing and replacing this same item on my credit profile.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I Have Missing Payments That Are Supposed To Show Up On My Credit Report, This Information Is Vital And Should Be Reported. No Information Should Be Missing From My Credit Report. Meaning I Believe That All Months That This Credit Card Is Used Should Be Reported On All Bureaus. Please Fix This Immediately. IAM Currently Having This Issue With Transunion And XXXX. But I Am Asking Please Fix This Immediately ... Information And Account Activity For The Month Of XXXX Has Not Been Reported. And I Am Extremely Disappointed In This Absolutely.

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 2020-03-25
Company: EQUIFAX, INC.
State: AR
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 found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

DEPTEDXXXX XXXX {$9300.00} DEPTEDXXXX  XXXX {$3600.00} XXXX XXXX  XXXX {$500.00} XXXX   XXXX {$430.00} DEPTEDXXXX   XXXX {$9500.00} US DEPT ED XXXX {$6000.00} XXXX XXXX   XXXX {$450.00} XXXX XXXX XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions 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:
XXXX XXXX XXXX acct XXXX this account is showing late as well charge off 2 times. this account has been closed and still shows as 5 potential negative remarks. as a consumer i have the right to privacy and this is a violation of my rights. i would like to be paid {$1000.00} per violation this company has done. i have never given this company written permission to share my information. please also remove this from my credit 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 2016-06-15
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never received a notice from this company. I have never received goods nor services from this company and I have not signed a contract stating I would do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: EQUIFAX, INC.
State: FL
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I am a victim of ID Theft almost 2 decades, SSA issued me a new SS # almost five yrs ago due to my identity being so badly compromised.It was being used in three states which no one could figure it out.Police reports, FTC reports, Affadivits any and everything you name to VALIDATE my claims.Creditors continue to sell these debts that do n't exist and that we 're fraudulent opened, when I send valid documentation Their response everything matches.I continued to add supplements reports and as officers has stated whoever had my ID it matched.What more could I do but continue to DISPUTE.NOT FAIR TO ME, I AM THE VICTIM NOT THE SUSPECT.I AM GETTING TREATED LIKE XXXX.THAT HAS GONE ON SINCE 99.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Exeter Finance Corp.
State: AL
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 provided documentation from the car dealership that the car was sold to them before the payment was due. Exeter also provided letter to XXXX STATING I never had a late payment. XXXX REFUSES TO FIX THIS PROBLEM. I have contacted a lawyer and he told me to try this one more time before we filed suit. The Exeter account was never late I need that fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX 2015 I received a dunning letter dated XXXX XXXX 2015 from CFSI informing me that I owed them {$1300.00} on an alleged debt from a company called XXXX XXXX XXXX. I disputed this debt in it 's entirety the following week via certified means on XXXX XXXX 2015 as I have no clue to who CFSI is or XXXX XXXX XXXX. I have no contractual obligations nor have I had ANY obligations to either. To my complete horror and surprise CFSI reported this so-called debt on my XXXX report on XXXX XXXX. No response to my dispute whatsoever!! And they reported it at least XXXX weeks before the XXXX day period as prescribed by Federal Law. After doing some due dilligence on CSFI, ive come to realize that this method of extortion/fraud is their method of operation. This company has a vast record of breaking FDCPA laws. Please, by all means, just look it up for yourselves. Do n't take my word for it, it 's all over cyberspace for anyone to see.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a credit alerted in XX/XX/XXXX from XXXX that Portfolio Recovery added a collections to my account for {$1200.00}. I have no idea what it could be for and feel it's related to the time my Identity was stolen. I have frozen my credit file before in the past to avoid fraud after several accounts where open in my name. I contacted the collection company in question and was told that the account was originally opened with XXXX Bank in XXXX but purchased by Portfolio Recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX and Green Tree Servicing Failure to Comply with TILA and FDCPASummary of Complaint : XXXX and subsequently Green Tree Servicing have not provided verifiable proof that they have legal standing to administer a loan modification or file a Default Judgment and suit under the Mortgage. XXXX and subsequently Green Tree Servicing has failed to provide adequate evidence that proves XXXX is the current legal owner and 'holder in due course ' of the debt under which they demand payment and have foreclosed. 
XXXX and subsequently Green Tree Servicing has filed a Complaint ( lawsuit ) in 2010 to foreclose on my investment/future retirement home in the State of South Carolina. Unfortunately the judge did not allow my Demand for Discovery and eventually a Judgment of Foreclosure was issued by the court. The case has been moved to the Master of Equity to administer the public sale of the property. 
Green Tree Servicing has offered loan modification and other loss mitigation options. I responded to Green Tree Servicing that I would like to apply for a loan modification but I could do so only if they provided evidence that proves who owns the debt. XXXX and Green Tree Servicing have failed to provide the requested information in failed to comply with TILA and FDCPA. It is my belief and based on documentation XXXX and Green Tree Servings filed in court and the county Registrar that the true legal owner the alleged debt 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 2017-05-24
Company: EQUIFAX, INC.
State: AL
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 sent a letter to Equifax on  XXXX   XXXX ,  2017  via Certified Mail stating that there was a Public Record on my report for Bankruptcy that needed to be removed because it was inaccurate. They in turn, sent a letter back to me dated  XXXX   XXXX , stating that the record was verified by  XXXX   XXXX . My   XXXX   XXXX   consumer report was frozen on  XXXX   XXXX ,  2017 . The letter that I sent to Equifax on  XXXX   XXXX  included a letter fro m Alabama Federal Court stating that they do not provide this type of information to Credit Bureaus. This record should not be on my credit report because it was not obtained from the courts, and the letter is proof o f this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Years ago in both XXXX and from XXXX when I had my sons I reached out to then Sallie Mae and requested that my payments be lowered. I was on leave and my husband was not working. We had 1/3 of our salaries. I was informed that we didnt qualify and we could only file for a forbearance. We were given this same information every time we called. Additionally these loans are FFEL loans. They were originally backed by the government and then some were sold to private companies. This is fraudulent on behalf of the government to service some of the loans and allow forgiveness but not others, especially when we as borrowers had no idea that this was happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: AFNI INC.
State: OH
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 AFNI  ( XXXX ) Account # 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 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer. 

15 U.S.C 1693 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse or harass at the called number.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

-any state territory possession of the United States , the district of Columbia XXXX the XXXX of XXXX XXXX or any political subdivision of any of the foregoing. 

15 U.S.C 1692 b ( 5 ) not use any language or symbol on the envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in a debt collection business or the communication relates to the collection of a debt.

15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.

15 U.S.C 1692 d ( 2 ) the use of obscene or profane language or language the natural consequences of which is to abuse the hearer or reader.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 items which are 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/remove these files. XXXX XXXX XXXX XXXX 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 XXXXXXXX Balance Owed : {$9100.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I switched cell phone companies in XX/XX/XXXX from XXXX to XXXX XXXX XXXX and have been with XXXX XXXX XXXX since XX/XX/XXXX to present day ... I didn't open acct with XXXX in XXXX as debt collection states the acct was opened..The last 4 of SS # on acct is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
i closed a v a loan on the XX/XX/XXXX ... per my c d it was suppose to fund on the XX/XX/XXXX ... as of XXXX est on XX/XX/XXXX it has not ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account below is still reporting on my Credit Reports and need to correct immediately :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have filed one complaint already about XXXX XXXX XXXX ( XXXX ) and the fact the the mortgage was paid off. Once again, XXXX has put the loan amount back on my credit which has since lowered my credit score again!!! XXXX needs to remove the paid mortgage off of my credit with Experian because they are showing the mortgage has an open balance!!!

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 2023-07-24
Company: EQUIFAX, INC.
State: GA
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Equifax has ignored my request, to provide me with the documents that their company has on file, that was used to verify the Late Payment I disputed. Being that they have gone past the 30 day mark and can not verify this Late Payment, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. " Please resolve this matter as soon as possible, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account below is still reporting on my Credit Reports and need to correct immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased 2 XXXX XXXX from Bestbuy.com on XXXX XXXX, 2017 using my Chase Debit card came out to XXXX. On the same Day I picked up my 2 XXXX XXXX from local best buy. Then find out that the laptops  in the 2 boxes had been switched out for used and broken laptops. I called best buy XXXX number and they referred me to local store. I talked to manager he refused to refund or exchange. I called chase bank to begin a dispute on XXXX XXXX, 2017. They took my information and dispute agent said that in 2 days they would give me a provisional credit. I get a email to call chase bank on Monday XXXX XXXX,2017 and spoke to another Chase Dispute specialist and he asked more of the same questions from the first call to chase and they said that they would investigate further. I then asked about the provisional credit and the chase dispute agent said it was n't up to him to issue credit that it was up to the back office. So i asked how long will it take before back office investigate and decide to issue provisional credit and he said he did n't know. But when ever they get more information then they will email me. This falls under a chargeback dispute since the merchant didnt give me my product, significantly not as described. Please review information to chase bank.

Company response to consumer: Closed with explanation