BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-17
Company: EQUIFAX, INC.
State: MD
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 previously sent a request to validate a debt that I learned about after getting my credit report. I sent the  XXXX  a letter and they failed to provide me with any documentation. After checking my credit report again I noticed that account had been updated to say account meets FCRA requirements. I then sent a letter to the Credit Bureaus asking them to provide me with the documentation or information they used to validate this information however, they failed to provide me any documentation as well. Instead they provided me an updated credit report that said investigated and verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX   XXXX   XXXX    XXXX   has reported incorrect unpaid principal balance which has made my score go down. The company reported an increase by {$1100.00} between  XXXX   XXXX ,  2017  and  XXXX   XXXX ,  2017  which is inaccurate. Please see the attachment of the correct unpaid principal balance during this time. I have attached document from  XXXX   XXXX  site about my principal balance.     I hope im not apart of  XXXX   XXXX  discriminated against  XXXX  Americans. Because this really make no sense to me as to why  XXXX   XXXX  is reporting incorrect balance to make my  credit score go d own.

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 2016-11-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I continue to receive email notification that a new loan has been financed by this company. When I replied via email to this company and asked when this loan was financed and that they provide me with the documents because I am a victim of identity theft, they bounced my email off at their customer service counter and will not reply. 
I am calling this company today to see if they need a voice to connect to the complaint and maybe they 'll be more responsive. 
Additionally, they have asked that I pay upon this loan beginning next month at the rate of {$210.00} and yet they will not provide me with the particulars of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A COMPANY WAS ALLOWED TO WITH DRAW MONEY FORM MY ACCOUNT, WITHOUT MY PERMISSION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-17
Company: RSI Enterprises, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written the company on three different occasions asking them to correct this error.  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX . This is company is trying to collect money from me that I do not owe. They have reported  XXXX  different accounts with the credit bureaus. They have failed to provide a copy of any alleged contract or other instrument bearing my signature and I will be filing a smalls claims action against this company and will be seeking a minimum of {$1000.00} in damages per violation for :  1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b  )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 previously sent a request to validate a debt that I learned about after getting my credit report. I sent the  XXXX  a letter and they failed to provide me with any documentation. After checking my credit report again I noticed that account had been updated to say account meets FCRA requirements. I then sent a letter to the Credit Bureaus asking them to provide me with the documentation or information they used to validate this information however, they failed to provide me any documentation as well. Instead they provided me an updated credit report that said investigated and verified.

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 2017-05-17
Company: Nations Recovery Center
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This compliant is being sent to Nations Recovery Center in response to a listing on my credit report.Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). I never established a contract with this company, and a bill is not  a contract for an alleged debt.     At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or  XXXX   ) th is action might constitute fraud under both Federal and State Laws.     Which are is Violation of the following : The Fair Credit Reporting Act The Fair Debt Collection Practices Act Defamation of Character Please be advised that if collection attempts continue after receipt of this compliant, I will immediately file a complaint with the Federal Trade Commission and the Georgia Attorney Generals office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed with Equifax several times about inaccurate reporting of " XXXX XXXX XXXX XXXX '' for missed payments which is already being reported by " XXXX Bank Student '' Loan. The 120 day lateness was for 4 months ( XXXX XXXX XX/XX/XXXX ). I 'm being penalized twice for each lateness due to the duplicate reporting on the same loan and time frame XXXX double jeopardy ). Results came back quick each time as verified yet it was not thoroughly investigated with the creditors. After XXXX of the disputes, the balance on the XXXX account was altered to make it seem as though they are different. I have attached pages from my credit reporting updates on XXXX different weeks showing both accounts for comparison. There is no way I can owe both creditors at the same time for the same loan. The lateness occurred at the start of the loan when it was transferred and due to the ambiguity of who 's my creditor, the lateness should then be deleted. 

And if they are both the same company, it 's unlawful for the negative duplicate reporting with a balance. On XXXX XXXX is only listed but whenever I dispute the XXXX account on Equifax, the company goes back and somehow the XXXX account on XXXX is updated too with the same information plus dispute notes added. After XXXX dispute, they even had my payments altered to show 120 Days late in XX/XX/XXXX which was incorrect ( please see attached ). Any other XXXX Loans I have on my account is closed/transferred so something is n't valid. 

This loan is cosigned by mother who also has negative reporting on her credit report that contradicts the dispute results as well ( please see attached ). XXXX is only listed on her XXXX. Both accounts are duplicate reporting on her Equifax and XXXX. However on XXXX XXXX is closed but they updated the closed account to show random lateness. 

Please investigate this matter because I do n't believe the creditors have any accurate records so I do n't know what the Credit Bureau is verifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: ERC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently checked my credit report after not checking it for years and i noticed a collection for a phone bill that I know I didnt have. I contacted  XXXX  and I was unable to get any information from them. The collection is as follows ;  XXXX  ERC  Original Creditor-   XXXX  Date Opened-  XXXX   XXXX ,  2014 Bala nce- {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Experian Information Solutions Inc.
State: MD
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 previously sent a request to validate a debt that I learned about after getting my credit report. I sent the  XXXX  a letter and they failed to provide me with any documentation. After checking my credit report again I noticed that account had been updated to say account meets FCRA requirements. I then sent a letter to the Credit Bureaus asking them to provide me with the documentation or information they used to validate this information however, they failed to provide me any documentation as well. Instead they provided me an updated credit report that said investigated and verified.

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 2016-09-13
Company: POPULAR BANK
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2017-01-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed this company with XXXX and Equifax. Neither credit bureau was properly investigating my complaint. I took for me to contact CFPB before XXXX finally removed this debt from my credit report. Equifax and XXXX is the only XXXX still have this on my credit report. Equifax and XXXX are not properly verifying this account. 
Under the Fair Credit Reporting Act, XXXX XXXX. XXXX I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under XXXX XXXX XXXX XXXX XXXX XXXX XXXX By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA XXXX XXXX. XXXX, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

XXXX XXXX XXXX XXXX # XXXX unverified account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Bankruptcy 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 2016-04-29
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On my Equifax credit report, there is a OPEN collections under the collection agency name XXXX. It is to XXXX in the amount of {$230.00}. I had already paid off this collection years ago and there is proof of it under a closed collection file name XXXX XXXX XXXX. It shows it is also XXXX, but in the amount of {$230.00}. I want Equifax to fix the errors so it doesnt show up unpaid on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
SYNCHRONY BANK/WALMART Card, rece ived an Internet application using my name, address and phone number on  X/XX/2017   . According to my phone log, they also called my house on   X/XX/2017     around  XXXX   XXXX . I did not answer the phone as I could not recognize the name SYNCHRONY. Despite that, they went ahead and created a credit card account on  X/XX/2017   . I do n't know if the thief provided my SSN. I ca n't see how he/she would get that. The information they provided looks a lot like what I have in my check book. Is this bank serious??? The Government should be investigating how SYNCHRONY conducts its business.

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 2023-07-28
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I HAVE CALLED OVER AND OVER ALONG WITH SPOKE TO REPS IN REFERENCE TO MAKING MY PAYMENTS. 

MY LINE OF CREDIT PAYMENTS WAS PAID MORE THAN THE DUE AMOUNT TO PAY AHEAD AND THEY WAS NEVER APPLIED TO PREVIOUS MONTHS AS REQUESTED. ( EXAMPLE MY MINIMUM PAYMENT IS {$25.00} SO I PAID {$100.00} TO PAY FOR THE NEXT XXXX MONTHS AND THE ENTIRE {$100.00} WAS APPLIED. ) MY CREDIT CARD I ADVISED THEY LOCKED ME OUT OF ONLINE SO I HAVE NO ACCESS TO LOG ON TO PAY WHICH HAS BEEN ADDRESSED OVER AND OVER. WHEN I ATTEMPT TO CALL TO MAKE PAYMENTS IT DOES NOT ALLOW ME TO MAKE PAYMENTS. THE LAST REP OPENNED A TICKET TO HAVE THE LATE PAYMENTS REMOVED AS TRUIST ERROR. WHEN I VISITED THE BRANCH AS ADVISED I GOT NO HELP AND WAS SENT WITH STILL NO RESOLUTION. I HAVE RECEIVED CALLS DURING WORK HOURS WHICH I EXPLAINED I CANT GET PERSONAL CALLS LEADING TO ME BEING TERMINATED EFFECTIVE XX/XX/XXXX. TRUIST XXXX XXXX REPS KEEPS ADVISING SUPPORT CAN HELP AND THEY HAVE NOT BEEN ABLE TO HELP. THE REP DID COMPLETE A FORM TO HAVE MY LATE FEES REMOVED AND REPORTING ON MY CREDIT BUREAU

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 2017-05-17
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On  XXXX   XXXX , I received an email from Navient stating that I had until  XXXX   XXXX  to contact them about setting up a payment arrangement. I emailed them right back and explained that I did not have access to a phone and would need to handle via email. They explained to me that I could not and needed to call. When I called Navient and explained my personal and financial situation,  XXXX  said that I could apply for an Income Based Repayment program but that there was no rush to submit my paperwork. When I called back the first week in  XXXX , suddenly my account was charged off despite  XXXX  explaining that there was no rush to submit paperwork and payments. I have been working with  XXXX   XXXX  to see if there was a resolution to removing the charge off status of my loan when she informs me that a loan of mine has already been charged off and was done so in   XXXX  . I never received any documentation about this, despite being in constant contact with Navient, including submitting forbearance and payment arrangement claims. I asked her who the collection company was and she said it was the same company for the new loan -- all new information to me.   She stated that her records indicate that the charge off is valid and that she has no record of my conversation with "  XXXX   XXXX  ''. I explained to her if I had been made aware that the information I received was time sensitive, I would have submitted the necessary paperwork but between  XXXX  and  XXXX , no one told me that my time was limited. Both of those ACTUAL representatives ( not an automated system ) told me that there was no rush to submit my application and paperwork, since I was in a particularly dangerous and volatile situation.   Now, speaking with  XXXX , apparently the burden is mine to prove that these conversations existed, regardless of their vast telephone monitoring software. And I must dig up my records to show that I actually spoke with  XXXX  and  XXXX . This does not even consider my apparent charged off loan that I never knew about and never received any communication with them in reference to. When I log into my Navient Account, but accounts still show as valid, current, and accepting payments.   This inaccurate reporting of loan information is dangerous. I now have practically insurmountable debt standing between myself and purchasing a home -- all because their separate departments do n't communicate with each other or with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello, I have submitted letters as well as online disputes with documentation to all XXXX credit reporting agencies. This is court documentation proving the account ( XXXX ) they are reporting on my credit is not mine and it was dismissed in a court of law in the state of Massachusetts ( in 2013 ). They have yet to remove this from my credit reports. I am attempting to purchase a home and the credit bureaus are making this an impossibility for me. I do not know what to do from here. I 'm applaud that they are ignoring legal documentation ( which is readily available to the public on the court website ). I thank you for caring, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX never sent the requested documents validating the debt ( original contract with legible signatures ). Account closed with inaccurate information. XXXX 's terms and conditions for this account doesn't meet XXXX XXXX compliance requirements for credit reporting. XXXX failed to give proper notice of right to dispute. Notice to agent is notice to principal. Company is negatively harming my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
After thoroughly reviewing copies of my credit report, there are multiple inquiries that I no for a fact i did not authorize. The credit bureaus are being very un cooperative when it comes to my concerns about this apparent fraudulent activity on my credit report. I tried contacting the creditors and I was told I Have to contact the credit bureaus because they can not remove inquiries. No one is helping me with this issue and it seems that the credit bureaus just dont care. the inquiries are as follows ; Transunion  XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/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    XX/XX/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