BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I submitted a TPD application to the department of education ( XXXX ) to totally and permanently discharge my school loans because of my XXXX. My account number is XXXX. On XX/XX/XXXX my application from the XXXX Department of Education approved my total and permanent XXXX discharge application and I entered into a three year post discharge monitoring. Period in XX/XX/XXXX, I received full approval for total and permanent XXXX discharge after the three-year monitoring period. Additionally, on XX/XX/XXXX, I received, a fully favorable opinion from the Social Security federal judge. 

After reviewing my credit documents, some thing I was unable to do because of my illnesses for so long, I noticed there are 24 closed loan accounts from the department of education with zero balances, but still were counted as closed accounts. In addition, there was one account, which was reported as open, but had a zero balance. As you know, closed accounts on a credit report can do much damage to the person with the credit report. 

I contacted XXXX and explained my argument that a XXXX loan is not the same as paying off a loan or forgiving a loan. I have found evidence on various websites of XXXX and the department of education, which support my argument. 

I would like to see these accounts deleted from my credit report as soon as possible, as a XXXX loan counts as a cancellation, especially because the person receiving the discharge is unable to apply for another school loan while keeping the TPD status. 

Please help me make this right wrong for myself, and for others with XXXX, struggling to repair their credit after years of patiently waiting to be approved for financial assistance. Thank you very much. 

All the best, 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 2021-05-11
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested they investigate several accounts that are being reported incorrectly. I have mailed letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. There are more dates but I feel this shows my attempts to work with them. My requests were to investigate and provide me details of the investigation. I requested them to delete the account based on they are reporting incorrectly. All I get is responses based on them submitting codes. No investigation ever happened. They have never provided me details of an investigation.

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 2021-09-03
Company: WELLS FARGO & COMPANY
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My first card was NEVER received. I called in to find out Id had fraudulent check deposits in my account. I was giving no option to bring it current by enabling my deposits and I was also not given the opportunity to report this as FRAUDULENT.

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 2023-05-04
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2023 I sent a letter directly to the legal department of XXXX XXXX XXXX. The letter was another request for any signed document that they have regarding the accounts in question. On XX/XX/2023 they sent a letter stating that they confirmed this is my account by my name and an address. They failed to provide me with any physical signed documents, identification, or even partial social security number. As required by any collection agency. 
I have attached a copy of the information that was sent from XXXX XXXX XXXX. 
if Equifax does not remove this information from my credit report immediately it may result in a lawsuit against them due to lack of proper verification of a reporting entity which affects my personal financial standing by lower credit score and decreases any favorable credit. 
XXXX XXXX XXXX acct : XXXX amount {$190.00}, acct : XXXX amount {$370.00} and account XXXX amount {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Letters were sent out on XX/XX/XXXX to dispute hard inquires on my account for : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have yet to receive a response back regarding the investigation. Tried calling on XX/XX/XXXX to check on the status of my dispute customer service rep not helpful and would not provide me with the credit files and sources to verify the inquires.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2021-05-10
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In mid XXXX of XXXX, I got a balance notice text of almost {$700.00}. 
I immediately got online to see what the charges were since I had a XXXX balance for almost a year. NONE of the charges were mine. They were made on XX/XX/XXXX and XX/XX/XXXX, when I was with everyone that had access to my card was with me. I got home from work and the card was put away with in a safe with all my other cards I do not use. I do need to mention that this card expired XX/XX/XXXX and I had not received a replacement card nor did I activate one. I got on the app to file a fraud claim AND I called. They said they would investigate it. On XX/XX/XXXX, I received a letter saying they were closing my case and I still owed {$350.00} because the card had be used with the chip. I called BACK the same day, and opened up ANOTHER fraud case. 
On XX/XX/XXXX, I got an email from CITI asking was a charge mine, it was not. It has another woman 's name AND address on it. So one can assume this is the person who made the charges. I replied back stating this was not my charge and I did not give her permission to use my card. CITI said they would be in touch. The only time they got in touch was to tell me I was past due on my account. Which I WILL NOT pay. 
After nothing from them for months I called back on XX/XX/XXXX and they told me I had to dispute all the charges AGAIN. Then I get a letter on XX/XX/XXXX stating the same as the first letter that I was responsible for the charges. I don't know HOW they used the card when I clearly had it locked up but I did not make the charges. CITI knows who made them and they should go after them for the monthly payment. 
I am at a loss on what to do. Is there anything I can do to save my credit score at this point and get this wiped off. All I can talk to at CITI is data entry people and no one from security will reach out to me for help.

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 monetary relief
Consumer complaint received 2023-07-24
Company: Exeter Finance Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XX/XX/2023 sold {$15000.00} amount due {$7000.00} called over ten times no response agents gives the run around every time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
On XX/XX/XXXX I tried to pay my credit card with the atm machine ( I took money from my husband card I minute before it was ok ) the machine get my card and ask from the money i wait like 3 minutes and they gave me a paper that said that we apologize but we can proceed. The same day I called bank of america and make the claim they said i have to wait 7 to 10 days i call next week and they tell me that they have my call but not my claim. I have to do the claim again I still waiting for and answer but I didn't get nothing.

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 monetary relief
Consumer complaint received 2023-07-24
Company: Experian Information Solutions 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 have an account on my Experian credit report that is showing " closed ''. The account is open and active. I have filed multiple disputes, talked to Experian workers on the phone, and sent them a letter from the creditor twice that states that the account is open, but they refuse to change the status.

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 2022-11-15
Company: Experian Information Solutions Inc.
State: TX
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-09-11
Company: V and H Portfolio
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The below information was placed on my credit report without any knowledge or company reaching out to me giving me the opportunity to proof that this is not my debt. I have no idea who these people are where this came from. I was contacted by my job stating i have 30 days to resolve this issue. I have made several identity theft reports. it was brought to my attention that all of my personal information to include my email address is on a dark web. I just recently had someone place an order with Macys using my debit card and email address but was sending the items some place else. Im at a lost and don't know what to do, however i don't know who these people are and what this is about and I want this removed from my credit file giving me an chance to resolve the matter. I know i havent purchased anything for {$3000.00}. 

VANCEHUFFMAN Original creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$3000.00} Balance updated XX/XX/XXXX Original balance {$3000.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payment history available to display. 
Comments Placed for collection Your statement - Contact info Name VANCE AND HUFFMAN LLC Address XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX Is everything correct on your XXXX credit report? 
You are currently reviewing your XXXX Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. 

Dispute with XXXX XXXX by Mail at XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This Complaint is in tended as follow up to FTC Request Number XXXX, submitted on XX/XX/XXXX, wherein I have requested that my XXXX and TransUnion credit files be permanently expunged. Both XXXX and TransUnion have elected to become complicit in mail fraud and mail tampering in the furtherance of mail fraud by steadfastly persisting for two and-a-half years now in listing a fraudulent debt reported by the collection agency in question, XXXX XXXX XXXX, which has violated Florida State law in its handling of the debt upon being assigned to it by XXXX XXXX XXXX on XX/XX/XXXX ( XXXX Account # XXXX ) and then proceeded to deliberately violate Federal Law by engaging in both systematic mail fraud and mail tampering to cover it up. Despite notifying me about the debt on XX/XX/XXXX via XXXX XXXX U.S. Mail at the new address I had moved to in XXXX, Georgia on XX/XX/XXXX, when I disputed the debt via email on XX/XX/XXXX, the creditor responded on XX/XX/XXXX -- more than two full months after initiating collection activity against me without the 30 days prior notice to my last known address via Certified Mail of its intention to impose a claim on my deposit required by Florida Statute 83.49 ( 3 ) ( a ), which further specifies that the creditor must refund my deposit before initiating any collection activity against me in such a circumstance ( XXXX ) -- by generating a fake Certified Mail notification to my previous address in XXXX, Florida ( XXXX XXXX # : XXXX ). The creditor then further exacerbated its willful perpetration of mail fraud by intercepting the Certified Mail notice with the help of the Postal Carrier for the route on XX/XX/XXXX in an effort to prevent me from finding out about it, since my mail ( including all Certified Mail ) was set up with the XXXX. Postal Service to be forwarded on a permanent basis to my new residence in XXXX, Georgia, as of XX/XX/XXXX. Despite the endless obfuscations of the creditor and collection agency in question regarding this fraudulent debt, it should be palpably clear that they deliberately violated Federal Law by  engaging in willful mail fraud and mail tampering in their handling of the debt, which can only have been instigated to cover up their failure to comply with Florida Statutes in the handling of it.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: NJ
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:
Remove the following accounts : XXXX XXXX XXXX This accounts are in violation. 

15 U.S.C. 1681b permisible purpose of consumer reports. 

Credit reporting agency does not meet any circumstances.

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 2021-10-18
Company: ARVEST BANK GROUP, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Under RESPA my loan should never have been reported as late as I am protected from any lates fees and/or late reporting for 60 days within my loan transfer. 

Avrest Mortgage recieved my loan on XX/XX/2020 and went ahead and reported me late to my credit report on XX/XX/2020 along with charging me a late fee on the XXXX which was finally waived, however they have failed to remove the 60 day late on my credit report which is negatively effecting my current loan application Under RESPA they are required to immediately remove this reporting and fix their violation, instead customer service informed me they would review their mistake, which they admitted and wrote notes on, however it would take up to 60 days, whereas they should have immediately inputted a request for immediate action This is a major violation and needs to be corrected as it is costing myself damages in loan approval based on their inaccurate reporting furthermore they are continuing the negligence by failing to remove the information immediately as required by law instead choosing to give me 60 days for a review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Professional Debt Mediation, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 The attorney representing the apartment complex and I settled this matter in evictions court. The attorney stated that his client ( XXXX XXXX  ) and himself is not seeking any money but is seeking possession of the premise. I agreed to surrender control of the apartment in return for no money judgment. I tried several times to pay the amount that was past due before going to Eviction Court, but each attempt was refused. The collection amount that is now on my credit report is preventing me from moving forward financially. The collected information is reported under XXXX XXXX XXXX for the amount {$3500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: The Bureaus, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I was called at XXXX XXXX Eastern time and that is a clear violation. 
They were told to no longer contact me on XX/XX/XXXX and they tried calling me again. this is a CLEAR VIOLATION OF THE FDCPA They violated 1. Continuous communication - after I requested on XX/XX/XXXX for them to no longer contact me on the phone. 
2. Not identifying themselves - as they have this whole time, spoofing numbers and not identifying where they are calling from or who they are. 
3. Ignoring a request to cease communication as i requested XX/XX/XXXX 4. calling after XXXX XXXX. i received a call at XXXX XXXX eastern time they are the only creditor in a different time zone and who had used tactics that violate FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: ALLY FINANCIAL 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:
It is showing on my credit reports that Ally Financial did a hard inquiry on XX/XX/17. An inquiry letter was sent to the company to provide explanation for the hard inquiry. Ally Financial responded by stating that my credit was pulled on behalf of XXXX of XXXX. I have never visited XXXX of XXXX or given anyone from the company permission to run my credit or provide my personal information to any other parties. I have never received or been offered any services or financing from XXXX of 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 2020-06-13
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capstone collections working for XXXX XXXX I moved out 1  month early due to loss  of employment I gave XXXX from XXXX XXXX my forwarding address where I could be contacted I left the house in move in ready condition and forfeited my deposit. XXXX never contacted me over a year later Capstone reporting on my credit for 5k plus. I called XXXX XXXX asked for documentation they can not provide it to me I called Capstone with documentation of charges they can not provide to me. I never received certified mail stating charges that needed to be paid I moved out XX/XX/XXXX lease was up XX/XX/XXXX had been a great tenent for almost 2years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My XXXX/XXXX Visa Credit Card Account : XXXX, and my XXXX XXXX XXXX   XXXX   Mastercard Credit Card Account : XXXX is lost/stolen. Theres fraudulent and unauthorized charges/transactions on the accounts thats not mine.

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