BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-11
Company: Lending Club Corp
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I signed for a loan online with lending club when I was in college for XXXX, the loan was about {$10000.00}. When thing started to be hard for me, I signed up with a debt consolidation company name " freedom debt relieve '' where they settled this account with lending club for me which was {$4800.00}. Even after the settlement lending club sold my account to another deft collection company name XXXX without sending me any notice. I contacted lending club my self few times, sometimes they put me on hold or hang up on me. I kept calling, sending them letters for about six months nobody ever answer me ..XX/XX/2016 I paid the full balance of the settlement to the deft collector company they sold my account to. I called them that day I finally spoke with a customer rep I explained to her what they did to me it 's wrong and illegal cause there 's no way they can sold my account to another company without sending me any letters, and also I told her now I paid in full the settlement why it 's still show on my report this account is charged off where it should says settled in full or paid in full .she was unable to answer my questions put me on hold again and hang up right on my face ..two days after I received an email from lending club stated whatever they report to the credit bureau not gon na change .. I called the other collectors they sold my account to and explained to them what 's going on, they told me it 's not them it 's up to lending club to report to the credit bureau the account is settled or paid in full.. until now lending club keeps that charged off on my report never says to the credit bureaus this account is settled or paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Ok I Submitted a Dispute to Experian about the Misreporting they have on my Credit Report. I filed Bankruptcy XX/XX/XXXX and Finalized By US Bankruptcy Court XX/XX/XXXX. 
They continued to report Negative payments prior to these dates. The penalized me for them Via FICO score. The only reason I filed Bankruptcy is I was unemployed for 2-3 years because of the Recession XX/XX/XXXX. I even took out Loans during that time, managed to pay them in Full, Never late as shown on Attached Dcouments. They also show me at an Address of residence at XXXX XXXX XXXX XXXX XXXX XXXX which is the Address of My Bankruptcy Attorney in XXXX Florida. 
They do not even indicate my Current employer where I have been working and employed as a Fulltime employee since XX/XX/XXXX. see XXXX attached and Experian docs Misreport attached. 
Thank You I just hope you can help. 
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 2016-08-28
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This dispute concerns my Paid Collection Account [ XXXX, XXXX ] on my Experian Credit Report file ; The original creditor for this collection account is XXXX XXXX XXXX XXXX. It is my understanding that a Collection Account ( Potentially Negative Account ) is deleted from a credit report file 7 years from the date of XXXX delinquency with the original creditor [ XXXX XXXX XXXX XXXX ]. My Experian Credit Report File only shows the date that XXXX, XXXX received the XXXX XXXX XXXX XXXX account for collection, which was XXXX XXXX. The date of XXXX delinquency with XXXX XXXX XXXX mobility should be reported as XXXX XXXX, not XXXX XXXX. I have disputed the accuracy/inaccuracies of this collection account with Experian, but they apparently will not conduct a thorough investigation which should include contacting 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 2016-03-28
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This account is not mine that is on my report, just showed up this month XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Date Opened:XX/XX/XXXXResponsibility : Authorized AccountAccount Type : Revolving Account Loan Type : CREDIT CARD Date Updated:XX/XX/XXXXPayment Received : $ XXXX Payment Made:XX/XX/XXXX Pay Status : Current ; Paid or Paying as AgreedTerms : {$20.00} per month, paid Monthly High Balance : High balance of {$970.00} from XX/XX/XXXX to XXXX ; {$1000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$1000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$1000.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit : Credit limit of {$1000.00} from XX/XX/XXXX to 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 non-monetary relief
Consumer complaint received 2022-05-26
Company: EQUIFAX, 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:
I contacted Equifax, XXXX and XXXX from in XX/XX/XXXX regarding the incorrect credit hard inquires that are fraudulent/errors/ and are not me. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX ( XXXX  ) XX/XX/XXXX Please help me have them deleted/removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Due to a " Regulation D '' violation ( too many transfers ), my savings account through Citibank , N.A . was closed on XXXX XXXX, 2015. All correspondence up to that point indicated that the funds from that account ( {$4100.00} ) would be transferred over into my Citibank checking account. It it currently XXXX XXXX, 2015 and those funds are nowhere to be found. Every Citibank representative with whom I have spoken has given me a different answer as to when I can expect to receive them ( including the XXXX week when no mention of a check was made, whatsoever ). At this point, I have absolutely no idea when I can expect to receive this money, and Citibank has been no help to me at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX hired Financial Asset Management Systems to collect on a private student loan. Financial Asset Management Systems XXXX FAMS XXXX had previously stated in a Consumer Financial Protection Bureau complaint that I had filed that they do not save credit card information. Their statement was false and deceitful because I went online today to make a payment to the FAMS online payment website and they had XXXX different credit cards saved under my name and account information. FAMS is intentionally misrepresenting that they do not save credit card information when in fact they do save credit card information as is shown in the attached .jpg file which I screenshoted to show that FAMS does save credit card information even though they had previously stated in a prior CFPB complaint that they do not save credit card information. FAMS is engaging in deceitful debt collection and misrepresenting their business practices which is a flagrant violation of the Fair Debt Collection Practices Act. FAMS lied when they previously stated in a prior CFPB complaint that they did not save credit card information which was a flagrant lie and I have proof that they lied to me about it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: SC
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

In accordance with the Fair Credit Reporting Act these accounts listed below, 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 I demand the following accounts be removed immediately : Account Name : XXXX XXXX XXXX XXXX ; Original Creditor Name XXXX XXXX XXXX Amount : {$2500.00} ; Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX ; Original Creditor Name XXXX XXXX Amount {$240.00} ; Account Number : XXXX *Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

In accordance with the Fair Credit Reporting Act these accounts listed below, 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 I demand the following accounts be removed immediately : Account Name : XXXX XXXX XXXX XXXX ; Original Creditor Name XXXX XXXX XXXX  Amount : {$2500.00} ; Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX ; Original Creditor Name XXXX XXXX Amount {$240.00} ; Account Number : XXXX *Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: NC
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:
A Collection account was reported to my credit report. I sent a debt validation to Experian. They responded with an inaccurate update.

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 2016-02-14
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am writing to file a complaint against Experian On previous validation of request, Experian failed to provide the true date and its validation to 1st delinquent date negative item has been reported on my credit report more than 9 years I called creditor and it stated they have stop reporting after XXXX 2015 Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with EXPERIAN to date. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance.

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 2016-10-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On multiple occasions, I have requested that Experian remove or " block from appearing '' a fraudulent account from XXXX XXXX XXXX. Per FCRA guidelines, this should have been blocked within 4 days because this is a situation of identity theft. I have sent them a police report, explanation of events, and proof of military service which showed I was a victim of identity theft while XXXX. They refuse to cooperate and remove the fraudulent item repeatedly. Experian shows an extreme neglect for the situation. I have gone as far as to have the police officer themselves call Experian to request the removal. They continue their refusal to comply. The fraudulent credit card from XXXX XXXX XXXX is causing me significant emotionally and economical damages and I will file suit as so if this is not immediately resolved. 

I have provided more than enough information and Experian not only refuses to cooperate, but they have not provided ANY documentation as requested that they properly investigated the fraudulent account. This is another violation.

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 2015-06-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a judgment on my credit report with XXXX XXXX XXXX, docket XXXX for a collection with XXXX XXXX XXXX XXXX in the amount of {$820.00}. It shows that this judgment was filed on XXXX. I have written to the court, disputed with the credit bureaus and even sent letters to XXXX XXXX XXXX XXXX head quarters to get this judgment verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have not received XXXX document that shows this account belongs to me bearing my name, address, birth date, social security number, or anything with my signature on it. I have n't even been provided with a contract from XXXX XXXX XXXX XXXX that proves I owed this money. Therefore, I have reason to believe an investigation was never completed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Filed a dispute with the XXXX credit agencies ( XXXX, Equifax and XXXX ) about a current mortgage that was wrongly reported as a closed account- Chapter XXXX bankruptcy. Mortgage is a current account and is been paying on time during the last 12 months. Account was opened on XXXX XXXX and was never closed. On XXXX XXXX was transferred from the original bank to another bank as the original bank closed operations. Agencies closed and eliminate the account from my credit history. They claimed that bank is not reporting the current payment because mortgage was involved in a previous Chapter XXXX which has discharged positively on XXXX XXXX. Bank mistakenly claimed that they do n't have to inform that the account is current and been paying on time to the credit agencies because it was involved in a discharged Chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This account was open by someone that used my ID to open it. I filed a complaint with Equifax on the phone the first time last year. Then online and now in writing last month. Equifax sent me a letter telling me that they had verified that this item belongs to me. I call and asked how it was verified and was told " The bank told them it was mine '' It is not and I can not get the bank or Equifax to show me anything that profess that I opened or used this account. I do not think that the bank just telling Equifax that it belongs to me is verifying that it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The account on my credit report for XXXX XXXX was not opened or owned by me. I have reported this to trans union and Equifax but was told it meets fcc rules. Well show me where I signed or used an address associated with me. This is not my account and was opened without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: AFNI 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: WAKEFIELD & ASSOCIATES, 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Nelnet, Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It is fact that I, the affiant, have tried to resolve this matter on numerous occasions with FirstMark Services and they have continued to violate my consumer rights. They have used my consumer credit to not only harass me for {$3700.00} but also blackmail me and stating they would harm my reputation if I did not comply which is illegal under 15 USC 1691 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 2 ), 18 USC 873, and 15 USC 1692d. On XXXX and XXXX I have also asked them to produce the original instrument in which I have signed for this alleged debt and they could not provide it. They have also continued to send out debt collection on post cards to me as well as my deceased grandmother, being in violation on 15 USC 1692B ( 4 ). They continue to violate me with their negligent and willful behavior which has not only damaged my reputation, causing my credit to be denied, but also made be lose income, caused mental anguish, and XXXX inhibiting my ability to properly take care on my baby.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Please help me, I have disputed previously a couple things with Equifax , provided them my ID 's so they can process, they decided to change my name to XXXX XXXX from XXXX XXXX XXXX which is my legal name, XXXX XXXX is NOT my name. There are also many addresses which are NOT accurate the only XXXX addresses they should have on my credit file is current mailing address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and prior XXXX XXXX XXXX XXXX, TX XXXX. There is also an account with XXXX XXXX which is unknown to me. There are several mistakes listed. Can someone please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: IL
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:
Bankruptcy on my consumer file saying bankruptcy was verified. Notify me who the bankruptcy was verified by because I have supporting documents showing the court did not verify such thing and XXXX XXXX has deleted it from their database. IF A SOURCE COULD NOT BE PROVIDED ON WHERE YOU HAVE GOT A BANKRUPTCY FROM TO FURNISH ON MY CONSUMER FILE THEN THIS BANKRUPTCY NEEDS TO BE DELETED 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 2022-05-26
Company: Experian Information Solutions Inc.
State: PA
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:
n accordance with the Fair Credit Reporting act 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2020-12-28
Company: eCon Credit LP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I dont know where this account came from ... I can not contact the place of business either ... .Ive read multiple reviews about this company and they have turned out to be fraud ... I am looking for the best remedy for this problem ... thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief