BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-25
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/20 I sent certified mail XXXX XXXX XXXX XXXX XXXX XXXX ) to LVNV ( Resurgent Capital Service ) requesting proof validation of this debt bearing my signature. They were unable to provide proof of this debt ; however, they sent a copy of any account statement which is not bearing my signature. I have made several attempts via certified mail. Dates of requests as follow :XX/XX/202Certified Mail ( XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20 Certified Mail ( XXXX XXXX XXXX XXXX XXXX The original creditor was XXXX XXXX XXXX, XXXX XXXX XXXX  is also unable to provide validation of this debt. I have a current credit account with XXXX XXXX XXXX. 

I have also disputed this account with and neither credit bureau provides proof of this debt XXXX  on XX/XX/20, XX/XX/20, and XX/XX/20. Credit file # XXXX XXXX  XX/XX/20 Credit file # XXXX, XX/XX/20 Credit file # XXXX, and XX/XX/20 Credit file # XXXX. 
XXXX  XX/XX/20 Credit file # XXXX and XX/XX/20 XXXX. 

I also filed a complaint with CFPB, complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
THIS ACCOUNT IS REPORTING UNDER DIFFERENT NAMES. ITS A PAID OFF COLLECTION REPORTING PAST DUE AND CHARGEOFF AND IT SHOULDNT BE REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit card is reporting that in XXXX 2016 I was late 60 days. I was the victim of fraud. My card was lost and the card was used without my knowledge or permission. This was reported to TD Target at that time. Prior to that my balance on the card was {$0.00}. I was told that I was not responsible for the charges, the fraud investigation was resolved in my favor. While under investigation for those two months I did not pay on the disputed charges. Now TD Target reports me as late when it was determined that those charges were not made by myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06
Company: Professional Recovery Management
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This company is attempting to collect a debt that is a result of identity theft. This company previously responded to complaint XXXX by stating they have a duty to open a " reasonable '' investigation and that they have not been provided with anything to back up a claim of identity theft. 

To date this company has received : the official dispute from XXXX XXXX which, after XXXX did their own investigation promptly removed this item completely from my credit file. Still working with XXXX and XXXX to do the same ), a copy of the FTC affidavit of identity theft and a letter from my bank XXXX XXXX XXXX XXXX documenting the data breach they had which resulted in my identity theft. This company apparently considers " reasonable attempts '' at an internal investigation to mean not reading the initial dispute. The dispute states that XXXX Bank had a data breach which resulted in all of my personal information. Fox Collection Center has made it their position that because the services in question were opened using my driver 's license information that this debt must be valid. Obviously that logic is erroneous given that by definition identity theft is the theft of one 's identity which includes their personal identifying information - i.e. driver 's license. Note that the driver 's license in question is not even in the state the services were rendered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In 2008 my husband and I had business bankruptcy. We paid off all our debts accordance to judge decision and our credit score slowly started going up. Now I have close to XXXX score with XXXX and XXXX but Experian score is only XXXX! My husband and I do n't have any credit cards since 2008 and XXXX late payments since 2008 so there is no reason for Experian to give us XXXX points less than the other XXXX agencies. We called Experian many times trying to figure out why our score only with this agency so low and because of Experian we can not get any credit cards at all. Unfortunately Experian refuses to change anything saying " it is not us - contact XXXX '' and .... XXXX of course saying " nothing we can do about it - it comes from Experian - so contact them '' Its like " Catch XXXX situation '' - there absolutely nothing wrong with our Experian credit report ( we have XXXX negative items on their report ) but they can not change anything and XXXX can not change anything. The most frustration is ( according to Experian ) since there is " nothing wrong '' with my credit ( of course we are never late and do not own any credit cards and almost no debts ) there is nothing to fix! 
we even bought XXXX XXXX about 6 months ago by using XXXX XXXX and paid if XXXX back but even this did not improved our score with Experian!!! I have the only question : is Experian is about the law and they can XXXX anyone, anytime and can not be hold responsible?

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 2022-10-09
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX dispute notice to all 3-credit reporting Experian has been refusing me my credit report. my last report from them was XX/XX/XXXX report # XXXX. On XX/XX/XXXX another letter to Experian requesting dispute and a updated letter by mail or email never got nothing.XXXX XX/XX/XXXX i sent XXXX a dispute letter requesting a copy of my credit report. sent certified mail signature with a copy of my ID and ss card dispute # XXXX. i then submitted report to the CFPB complaint # XXXX. ( Nothing done ) on XXXX received any update or credit report. on XX/XX/XXXX i again requested a copy of my credit report neglecting to remove and delete items of my report requesting a update never got it. today XX/XX/XXXX and XXXX still has disregarded ALL dispute. old acct on their i requested for Experian to remove address due to ex-husband trying to harm my family i think they moved my address to employment report # XXXX ' named my son XXXX as my spouse. XXXX has also failed to correct I do not receive SSDI i receive SSI. Experian has failed to update total balance credit summary. disregarded letters of deletion via XXXX XXXX XXXX XXXX  XXXX XXXX XXXX letter of deletio by doing this XXXX has been sabotaging my credit score affecting the lives of myself and XXXX grandsons I XXXX. case created XX/XX/XXXX case # XXXX Eperian

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 2016-02-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In XXXX, the information on my credit report was removed from all credit reporting agencies because I filed a complaint with the CFPB. The issue was resolved to reflect that the account was paid in full with a zero balance per Experian response to CFPB. I got a alert in XXXX XXXX and XXXX XXXX stating that the information was placed back on my credit report showing that I have a balance of {$120000.00} and pastdue of XXXX with monthly pymtss of {$840.00} per month as of XXXX XXXX. Now they are putting this information on my credit report showing an outstanding balance and that I owe monthly payments

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 2022-10-09
Company: EQUIFAX, INC.
State: MD
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America charged my account {$300.00} overdraft fee. 

When i had roughly {$150.00} i purchased from XXXX some small cheap stuff ( {$3.00}, {$4.00} worth XXXX transactions ). For some reason the Bank kept this transaction 'pending/processing ' for 5-6 business days. When i checked my account at the ATM it gave me a missleading info saying that i have {$150.00}, so i withdraw some cash as a result my account came to zero but still positive. After few days i open my account to see negative {$300.00}. 

The problem is i was provided wrong info about my account balance, they kept old transactions pending for too long and charged when i had zero account. 

Why do not they process the transaction on time? There was a holiday ( XXXX ) i understand, then why they do not help me to write them off if it happened due to holiday?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-09
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-09
Company: OneMain Finance Corporation
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: Old information reappears or never goes away

Complaint:
XXXX 2 years ago OneMain did a hard pull on my credit and it is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MI
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:
When I started receiving notification on recertifying my income contingent plan, in XX/XX/XXXX, I went to the financial aid page and completed the application and submitted it. Apparently Navient disapproved the application because I " submitted it too soon ''. I do not recall receiving an email on it, so I assumed I was all set to continue my plan. In XX/XX/XXXX, I checked my account and noticed my payment was going to increase by {$200.00} a month. I checked my messages on my Navient page and found a letter regarding my application. I reapplied, just making the deadline, and thankfully am approved now to continue. This would have caused an extreme hardship had I not been dilligent at checking my auto pay amount twice every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Back in 2013 i suffered from identity theft I had XXXX XXXX XXXX cards that I made payments on. My cards was stolen and maxed out. it has now been 3 years and im still suffering from this. I have been disputing these XXXX cards off my credit report and only XXXX has removed them. XXXX ans Experian has refused to try to assist me. This has been so stressful my credit sucks I do n't qualify for anything and i just need some help. This has caused me many sleepless nights. grey hairs XXXX XXXX XXXX. Every time i dispute with experian they say verified verified by who. Im not rich i make a modest living i have rights. this is against the fair credit act. Every time i have called Experian they have been nothing but rude and unwilling to assist me, I 'm even enrolled in their fraud alert but they still wont remove these items of my credit report 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 non-monetary relief
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
State: MS
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 with the Fair Credit Report Act XXXX acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX  acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX acct XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX acct XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am sending a complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file.When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$140.00} ;

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 2016-09-26
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This Company constantly is reporting a debt that I owe. I have never lived in the apartments and their stating I did by the point an apartment gave them inaccurate information. Its preventing me from getting an apartment. They ask me to fill out a form I am not comfortable with a debt collection agency reporting information about me. I understand According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) .an original contract and how whatever was owed came about so forth. Now All XXXX credit bureaus have removed this off my file but National credit systems are reporting this to XXXX. I spoke with them and all they are saying is they ask this company questions and they kept it on there. I refuse to pay are submit information to a debt collection agency. I would like to have this resolved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
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: Information belongs to someone else

Complaint:
Since XXXX I start to sending letter and I report to the police department because I run my credit and the accounts shows in my report and those accounts are not my.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've recently sent around XX/XX/2020, a complaint to this company XXXX XXXX XXXX XXXX stating that the information on my credit report was inaccurate. Their response was they verified the information but did not disclose the method they used to verify if it's accurate. I'm requesting another investigation and requesting that this charge off is removed from my credit report immediately. The 3 credit bureaus are reporting my paid-off account as a charge-off. This account has been settled and needs to be taken off my credit report immediately. These negative items are preventing me from qualifying for a home loan or car loan which is crucial especially during this pandemic where things can change overnight.

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 2020-12-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've recently sent around XX/XX/2020, a complaint to this company XXXX XXXX XXXX XXXX stating that the information on my credit report was inaccurate. Their response was they verified the information but did not disclose the method they used to verify if it's accurate. I'm requesting another investigation and requesting that this charge off is removed from my credit report immediately. The 3 credit bureaus are reporting my paid-off account as a charge-off. This account has been settled and needs to be taken off my credit report immediately. These negative items are preventing me from qualifying for a home loan or car loan which is crucial especially during this pandemic where things can change overnight.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card
Issue: Balance transfer

Complaint:
Hello I did a balance transfer with Well Fargo bank back in XXXX of 2015. The transfer never hit my account to XXXX credit Union.. I have been asking for the amount to be credit back to my card. They told me there was a bank error. The transfer was for $ {$700.00}. After going to the bank and talking to them every week since XX/XX/XXXX. They told me it would take 60 days To get the amount credit back to my card. The bank told and XXXX XXXX at the XXXX bank that it was a bank error. They told us it want to the wrong account number. I am still waiting as of today date for the credit back to my card. This is damage my credit score. I have been still paying the card on time. My name is XXXX XXXX XXXX if any question. I need you guys help bad.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Related : Case number : XXXX and XXXX ( Note : It is important to have independent documentation so Wells Fargo ca n't come back later and make further questionable statements. ) I filed case XXXX this morning and would have updated it if I could have. 

On the Escrow Account History ( attached to that case ), the bank shows XXXX payments, XXXX to XXXX XXXX and XXXX to XXXX XXXX. 

I changed my homeowner 's policy in XXXX 2016. I was able to obtain better coverage at a lower rate from XXXX XXXX. I canceled the XXXX policy. 

The bank paid both companies. The bank paid twice for the same thing - insurance. 

The bank should not have paid XXXX XXXX. 
Either the insurance company issued a refund to the bank and the bank FAILED TO RECORD it to my account or the bank received the cancellation notice and ignored it. 

The bank has played similar sneaky tricks in the past. When my former insurance company went out of business, the bank initially FORCED me to pay for their own overpriced insurance company, despite my obtaining coverage from XXXX XXXX. 

If the bank had not mistakenly paid both insurance companies and then " mistakenly '' not recorded a refund to my account, there would be a substantial OVERAGE in my escrow account. 

Wells Fargo has once again, deliberately created a problem for this old woman.

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