BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Credit bureaus continue to show an unverified public record on my credit file despite numerous letters and disputes being filed. All 3 credit bureaus have informed me that they are getting the public record information from XXXX XXXX. I have disputed the public record in question with XXXX XXXX and they have deleted that item from my file. A letter confirming that has been sent to the credit bureaus along with a letter of dispute dated XX/XX/2020. 

So far, XXXX  and Transunion continue to claim this information is verified when their verifier, XXXX XXXX has in fact deleted this item. 

XXXX has not even replied.

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 2016-04-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This company is continuing to request payment for accounts that I do not owe on. 
{$810.00} from : XXXX XXXX on XXXX XXXX, 2014 on behalf of XXXX. 
These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to EQUIFAX. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against EQUIFAX and in their respective state and both of these companies if this is not resolved NOW! 
I 've ALWAYS had this type of trouble before with EQUIFAX. My report with them has always been incorrect. From having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised! 
I am a veteran and a XXXX XXXX and I do not deserve to b treated this way. I will file a I fought for your freedom young man/woman! law suit against this CRA IF These entries are NOT removed! 
ALL references regarding this account must be deleted from ALL reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted XXXX back in XXXX 2016 about possibly getting services. The representative that was working with me asked me if I wanted to give my social security number to qualify for a non-deposit rate or if I wanted to pay a deposit to prevent a credit inquiry. I asked how much a deposit would be and I was told {$400.00} or just have a credit inquiry. I did n't want either and decided not to further pursue trying to get services. The representative then told me that it was nothing more they could do and we disconnected the phone line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: CL Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This collection company put a negative debt on my credit report I have never had any contact with anyone from this company on the phone or via mail. I do not have any knowledge of any collections from this company and I want this removed from my credit report. When collecting any debt a person must be notified and giving the right to dispute. Which I was not in the middle of Covid all of these collections companies are violating collection laws. They also reported this on my credit report as a loan and said the account type was a factoring company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16
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: Account information incorrect

Complaint:
Equifax is preventing me from submitting a dispute online. Equifax has also blocked me from creating an account online to submit disputes, check status of disputes, or access my credit report. I have called numerous of times and been given the run around. I believe Equifax is retaliating against me because I have reported them to the CFPB. 
In addition, Equifax is reporting the following accounts incorrectly which is impacting my ability to purchase a home : Collection Account is listed on my credit report for a paid medical bill incurred by my ex-husband for our child. 

1. Collection Account - XXXX XXXX XXXX XXXX XXXX ( Paid ) I've repeatedly disputed the reporting of this account. This collection account occurred as a result of health insurance not covering the charge incurred by my ex-husband. I am the primary on the health insurance only. Please remove it. 

Additional Inaccurate Reporting : Balance incorrect for the following accounts - 1. XXXX XXXX XXXX XXXX - {$2000.00} ( Acct # XXXX ) 2. XXXX XXXX XXXX XXXX - {$1000.00} ( Acct # XXXX ) 3.  XXXX - {$0.00} 4. XXXX XXXX XXXX XXXX XXXX - {$0.00} 5. XXXX - {$0.00} 6. XXXX - {$0.00} 7. XXXX - {$0.00} 8. XXXX - {$0.00} Unauthorized Inquires ( PLEASE REMOVE ) XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Credit bureaus continue to show an unverified public record on my credit file despite numerous letters and disputes being filed. All 3 credit bureaus have informed me that they are getting the public record information from XXXX XXXX. I have disputed the public record in question with XXXX XXXX and they have deleted that item from my file. A letter confirming that has been sent to the credit bureaus along with a letter of dispute dated XX/XX/2020. 

So far, XXXX and XXXX continue to claim this information is verified when their verifier, XXXX XXXX has in fact deleted this item. 

Experian  has not even replied.

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 2017-01-24
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Each month, I pay more than what is owed on each of my student loans ( XXXX total ). It was my understanding that any payment in excess " unpaid interest '' would bee applied to principal for each. However, it appears that a large portion of excess payments made on all of my loans ( going back months ) have gone to interest that exceeds the " unpaid interest '' at the time of payment. As such, it appears that my principal balances should be lower than they are. I have never paid late, so no additional fees have been assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Bread Financial Holdings, Inc.
State: GA
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:
Beautiful day. Happy XXXX. XXXX has been one heck of a year. =- ( I humble myself to truly say thank you for taking a look at my situation. 

For about 2 months now I have been trying to respectfully dispute some issues with my credit. I sent and mailed off my ID and Social along with the proper documents and information needed for these companies to look further into the matter. Some of them said the items are accurate and have been verified ; however, I humbly asked and requested that they send me my signature showing that I have a binding contractual agreement with them.

Month after month 2 now they have failed to show me this information. XX/XX/XXXX was when I last submitted this dispute and I do have certified mail receipts to track their inability to produce the necessary documents requested. 

They are tying to buy time as I have given them everything they need and require.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: EQUIFAX, INC.
State: GA
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:
Thank you so much for having a look into this file. I for a couple of months now have been disputing items on my report with the credit bureaus. They have yet to conclude investigations that proves how they failed to adhere to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After several requests and sending validation of debt letters, PRA continues to report on my credit. PRA has lied stating that they sent me copies of my contract showing proof that the accounts in question are mine and that I opened them when that is not true. PRA failed to supply EVERYTHING requested in my letters including signed documents/contracts and instead I have only received copies of bills and letters from PRA stating that they will no longer reply to my request. I do not think it's right that PRA can continue to report this disputed debt to all three credit reporting agencies, further causing damage to my character. They submit meaningless statements as if that should be enough while completely violating my rights as a consumer to receive ALL requested documentation per my debt validation letters. They claim to care about the consumer when in actuality, all they care about is screwing over people. I will continue to dispute these accounts until the situation is resolved to my satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Experian Information Solutions Inc.
State: GA
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:
Thank you so much for having a look into this file. I for a couple of months now have been disputing items on my report with the credit bureaus. They have yet to conclude investigations that proves how they failed to adhere to the law.

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 2022-02-21
Company: Experian Information Solutions Inc.
State: MA
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:
Experian and XXXX are both in violation of the Fair Credit Reporting Act as they have provided no way to dispute hard inquiries. On the contrary XXXX does. 

In addition I have opted out of allowing companies to access my information on soft inquires, however Experian ignored my requests.

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 2016-10-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a Public Record entry on my credit profile that I feel is inaccurate in its filing. It is my understanding that the term " Dismissed '' means that it is adjudicated by the law, so why am I penalized for something that was never completed. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization. They claim that the information has been VERIFIED as being accurate, but VERIFIED by whom? I have a RIGHT BY LAW to the information. The Credit Bureau system is holding my identity and credit under " Consumer Lock '' for 10 years. This discrepancy has prevented me in my personal life 's pursuit. I am submitting this complaint to request that the CFPB advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have requested on multiple occasions by mail to remove the following : unauthorized inquiries. 


XXXX  - XX/XX/2019 XXXX XXXX - XX/XX/2019, XX/XX/2019 XXXX XXXX - XX/XX/2019 XXXX XXXX - XX/XX/2019

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 2020-08-16
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have suddenly received a drastic reduction in credit lines and one was outright closed as a rssult of Nationstar Mortgage not correctly reporting my status as " o n time '' when my mortgage is in a covid relief program. This had dropped my credit score a pproximately 50 point s within the span of just a week and has drastically reduced needed access to credit resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Bank of America Continues to report derogatory information to national credit reporting agencies after a year of disputing information that was considered identity theft and fraudulent transactions that where done in my name. after receiving documentation from local law enforcement, on XXXX XXXX 2015 member of bank of America fraud dept XXXX XXXX Supervisor after doing investigation ask and told all three national credit agencies to remove the information from off my consumer credit file. which was removed and placed back on my file two weeks later without any proper notice or warning of actions they intended on taking. which was a violation of fcra laws that protects against financial institution rescinding or placing fraudulent information on consumers protection files. On XXXX XXXX 2015 member of Bank of America Fraud dept By name Of XXXX XXXX discovered that bank of America never mailed out card or any corresponding documents that would had allowed me to opportunity to dispute the charges as well them never taking into account the police documentation that they received naming the people that had done the fraud. On XXXX XXXX 2015 Bank of America assigned the information to XXXX XXXX XXXX and associates which is a debt collection firm and sending me an order to cease and desist from calling bank of America about the account and that any thing i needed to discuss had to go thru XXXX XXXX based out of georgia which is a debt collection firm, Which representative by the name of XXXX XXXX XXXX alerted me that they where unable to remove the information from my consumer credit file and that i needed to speak with another third party collection company which whom they moved the debt to by the name of XXXX XXXX XXXX XXXX out of XXXX North Carolina. Which all are refusing to re-removed the debt under fair credit reporting Act As well Fair Credit Billing Act, North Carolina Fair debt Collections Practices Act. After Speaking with XXXX XXXX In the victim assistance unit for bank of America she refused to remove it even though knowingly she admitted that there were mistakes done on bank of America 's behalf and that she does n't have to speak with me and forwarded me back to the following collections agencies after having over 300 days to rectifiy the matter. Also there where no account statements sent to me. As they continued to report derogatory information in my name. And not doing a comprehensive investigation. Had took my rights away as a consumer to resolve this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2020-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
debt as a result of unlawful retalitory eviction for reporting failure to maintain premesis in XXXX at XXXX XXXX XXXX years ago. Caused account to go sour. Lawyer will not take responsibility ( XXXX XXXX ) in correcting the matter. Complex has only just recently fixed thier broken premesis- leaving thousands ( forced thru robo eviction processes ) to be ruined financially and credit wise. Our " good renting names '' are ruined by unlawful data resale and we - even if debts were paid years ago- are still ruined. This is happening by the thousandfold right now due to corona. Landlords only care about profits and investors. Therefore debt in legal counterclaim belongs to XXXX XXXX c/o XXXX XXXX XXXX. Debt can be automatically default reverse judmented according to law. The courts refuse to prosecute and counterclaim without over XXXX bond- due at time of eviction, wether legal or not. Court would not hear evidence because city was in communication at the time- communications were by email. Mayor knows about the situation. " 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 2015-09-01
Company: CORELOGIC INC
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is on my credit that that was originally opened like in XX/XX/XXXX maybe, nonetheless, CREDCO bought the acct in XX/XX/XXXX and it should be out of credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I previously disputed the status of a credit card XXXX that i had in XXXX that was included in my CHXXXXBK and discharged on XXXX/XXXX/XXXX. I disputed this 2X 's with Equifax and then again with CFPB. I was advised in my CFPB Complaint that this account is showing included in CHXXXXdischarge and the information provided to me was incorrect. 

This account is still showing in the revolving status, please see attachment stating Equifax Credit Report XXXX. Equifax also provided false information to not only me but also to CFPB please see attachment stating '' XXXX Credit Card CFPB Complaint '' stating that they closed this account and they did not. 

I 've disputed this matter countless times, this is affecting my credit which is directly affecting my life. These are not the only inaccuracies i continue to face with this reporting company, this matter needs to be dealt with the up-most priority as this is a constant agitation to me as well as to my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Equifax on numerous occasions since XXXX 2015 trying to rectify my issues by sending certified letters with my fraud claim/police report and identifying information. Every claim I have disputed, Equifax has replied that the items I am disputing ( specifically a collection : XXXX XXXX XXXX XXXX ) is verified as mine. I contacted Equifax to receive the identifying information that concludes this report is mine and was told that it would be sent. After not receiving this information I called again and was told that they could only verify that XXXX XXXX XXXX XXXX verified it was mine and they can only go by what the agency reports. If Equifax has the right to keep fraudulent information on my record, I need to have the identifying information. In the past, when I have requested identifying information on another disputed account, Equifax only sent a letter stating that my " social/address/and DOB were verified ''. This is not sufficient. If I am a victim of identiy theft, how is this verifying information. I would like this information removed from my credit report, as this account does not belong to me. Equifax is holding on to fraudlent information and not protecting my rights.

Company response to consumer: Closed with explanation