BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-05
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have asked them on 4 different occasions to investigate these items that their is NO CONTRACT FOR with my signature!

Experian has NOT made any LEGAL attempt to investigate the items on my credit report that I asked them to by law. They are suppose to use REASONABLE procedures to investigate the items in the time frame ALLOTED by 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 non-monetary relief
Consumer complaint received 2017-11-15
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX when I contacted the debt agency EOS CCA in regards to a remark on my credit report they could not provide me with any information regarding the account they were trying to collect for. I had no information on what services were rendered or anything. I asked for this information in writing and have yet to receive any information. I am in the middle of purchasing a home and this is when this account was brought to my attention. I immediately contacted the creditor to resolve. On the recorded call with the agency it was told to me that if I payed and settlement with a certain amount that the account would be completely removed from my credit report due to them not sending me any information before reporting on my credit!. Today XX/XX/XXXX I attempted to contact the agency in regards to the closed status showing on by report instead of the removal and they told me pretty much too bad. This is false representation on their part and should be illegal! They can not give a costumer false information and Collect money from them under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXXXXXX / {$2100.00} / XX/XX/XXXX This debt is too old to be on my credit report. There are inaccuries in the dates reporting. The date this account was closed was XX/XX/XXXX. But then its also reporting a payment in XXXX which is inaccurate. I did not make any payment to this company after the closing of the account in XXXX. The account should have been off my credit as of XX/XX/XXXX. According to the Fair Credit Reporting Act as well as the statue of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
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: Account status incorrect

Complaint:
There has been incorrect information submitted to the credit bureaus for my loan which has resulted in a detrimental XXXX point drop. 

Here is a time outline of actions on my loan account since XX/XX/2020 : XX/XX/2020 - Submitted Hardship Assistance Forms online - I have the have e-mail confirmation XX/XX/2020 - Received e-mail approving hardship request indicating the plan " allows you to skip next 2 monthly payments ( XXXX and XXXX ) XX/XX/2020 - Received e-mail that my second hardship assistance request was accepted ( XXXX and XXXX ) XX/XX/2020 - Received e-mail indicating that next payment due date is XX/XX/2020 XX/XX/2020 - payment withdrawn. 

XXXX Bank has reported to the credit bureau that I am XXXX months behind on payments when in fact, I had been allowed to skip those months under the COVID19 hardship program bank had in place. 

Furthermore, my checking account information has remained in my loan profile for payments to be automatically withdrawn on the due dates. I have never deleted my bank information for payment. If a payment was indeed due, XXXX XXXX XXXX  should have and could have withdrawn automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/XXXX I disputed enormous accounts on my credit file, on XX/XX/XXXX I  received a letter back from the credit reporting agency stating the debt was verified as accurate. After much frustration I then sent in a letter requesting the method of verification used to identify these enormous accounts as indeed belonging to me. I clearly stated my right according to FCRA and also asked for names, address, and phone number of the furnishers they spoke with, I also that they respond within fifteen days. I sent my letter through certified mail and it has been well over 15 days since they have received it without any response from the credit reporting agency which I believe is a complete disregard to comply with the FCRA laws. 

Update : I received a letter in the mail about 30 days after I requested a method of verification. It was the same exact letter that was sent to me when I first disputed the accounts. Saying they opened another dispute which I didnt ask for and that the accounts again are verified as accurate. Please help me. Thank you.

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 2022-02-19
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have been trying to sign up for Equifax 's Trusted ID Premier credit monitoring service since XX/XX/XXXX and have had no success. I first emailed customer support on XX/XX/XXXX because I received an email stating that there was a problem activating the Equifax credit monitoring service and to email 'XXXX ' for assistance. I emailed them on XX/XX/XXXX and never heard anything back, so I emailed again on XX/XX/XXXX. I received a response on XX/XX/XXXX stating that they had no record of my registration with Trusted ID. I re-registered on XX/XX/XXXX and got an email back stating that I could now activate TID Premiere. I have tried since that time probably a total of 20 times to active this service and have received an error message back stating " system is unavailable, please try again soon ''. I called customer service at XXXX today XX/XX/XXXX and was told that there was no record of my registration by either of my phone numbers and I needed to register for the 4th time. I re-registered again just now and received an email that I could now activate the service. Which I then got the same " system is unavailable, please try again soon ''. I have a hard time believing that this is anything other than a deliberate attempt by Equifax to keep from having to provide the service that it stated it would.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
I wrote a letter to XXXX XXXX XXXX to correct errors that were on my credit report. The status letter that I received in the mail was that the information on my credit report was updated. Which this is incorrect, because I do n't owe this company below : XXXX XXXX/CareCredit So I called the credit card company and spoke to a rep by the name of XXXX and she informed me that my account was indeed closed and that I do n't use any money to their company. I asked her if they could update the credit bureaus stating my account has been closed and put in a positive account standing. She informed me that they could n't do that. This is really hindering me from purchase a home and it needs to get credit. My credit score is being effected because of 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 2017-11-15
Company: Financial Management Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Financial Management Solutions are reporting and attempting to collect on a debt that is n't mine. I did n't have anything with XXXX XXXX XXXX XXXX ... I do n't know what it is for or how they are even reporting. I have tried to call both companies & they can not find my info. The debt is past the statute of limitations and its NOT MINE!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Mercedes Benz Financial Services
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: Account status incorrect

Complaint:
Dear Consumer Financial Protection Agency ; I am emailing you regarding a problem that i have with Mercedes Benz Financial Services, The problem started in XX/XX/XXXX when I decided to pay off my vehicle because I was in the process of buying a house ( my kids school was rezoned and they will be attending a not so good school because of that so we decided to move to another neighborhood with better school ) which I cant do anymore because Mercedes financial reported late payment to the credit bureaus which dropped my credit score to low XXXX. Mercedes claim that i was late on my payment in XX/XX/XXXX, however i did mail them a cashier check back in XX/XX/XXXX, unfortunately i only wrote the last six digits of the Vin number on the cashier check when i called them two days later to make sure they received the check they informed me that they cant locate it and to give it few more days. A week later i mailed them a copy of the cashier check and XXXX receipt, finally after two weeks they were able to locate the check but by then we were in XX/XX/XXXX already and they informed me that i will have to send another cashier check, at that point I asked them to please not to report it to the credit bureaus as a late payment considering that they did n't wan na overnight me the first cashier check and I had to wait a week before I received it. When I received back the cashier check we were in XX/XX/XXXXalready and at that point i decided to wire transfer them the money instead of mail to make sure that wont refuse it again. Because of that now I have low credit score and I cant buy the house that I wanted for my kids so they can attend a good school. Its sad that I have a late payment on my credit report considering that the vehicle is paid off and I really did mail them a check in XX/XX/XXXX and i begged them back then not to report it since now i have to wait for them to mail me my check back before I can do another one. When I asked them not to report back in XX/XX/XXXX they did inform me that it gets done automatically but they told me not to worry because once they receive the other check they will take it off!! when i called them today they said they cant take it off because a third party does the reporting and they do n't even have a phone number where I can reach them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: Earm LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company " MAC '' has multiple people calling my phone constantly from all different phone numbers and area codes. The latest number is XXXX. They leave voicemails non stop about a payday loan that I may or may not have taken out in 2016. I'm not familiar with the company name they keep saying that I owe and they won't give me any more details except a huge amount I supposedly owe. Which if I did get a payday loan out the amount they are demanding is more than double almost triple the amount of any payday loan I have ever received. They are calling family members out of state and telling them information that would not even pertain to them and calling all hours of the day. They are threating arrest for a bad check that is incorrect because the acct is now closed so they are telling family members I have write bad checks, which is false. I have spoke to different individuals. Every time I call no matter what time I am told they are not at the phone or desk or on another call and that they will return call in 10 minutes. They do usually call back about 30 mins later. I have requested a validation report on the loan which I still have no received and have asked them to please stop calling my phone because I don't have the funds to pay for a extra debt at this time with. No income XXXX children and unemployed right now due to the pandemic.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-15
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Barclays said they were offering relief to people affected by Hurricane Harvey and were automatically applying a 60 day freeze on payments. I noticed that Barclays had not done this on my account because they had been calling to collect a payment during this time frame. I spoke to a supervisor and was told they 'd retroactively apply it to my account allowing me to essentially skip payments in XX/XX/XXXX and XX/XX/XXXX.  Yet they reported my account 30 days late, and keep harassing me to pay. I 'd like them to honor their agreement and I begin paying again here in 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 monetary relief
Consumer complaint received 2019-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX  XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : 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 explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 contacted Transunion, XXXX and XXXX multiple times since XX/XX/2022 to validate and remove inaccurate information on my credit report regarding a XXXX XXXX XXXX collection account number XXXX. I have sent multiple letters requesting deletion of this inaccurate information and TransUnion, XXXX and XXXX have failed to respond or validate this debt in violation of FCRA. This inaccurate collections account is severely affecting my credit report and causing great financial harm. 

Please have this account deleted from my TransUnion account.

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 2022-08-12
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX  XXXX XXXX / {$2100.00} / XX/XX/XXXX This debt is too old to be on my credit report. There are inaccuries in the dates reporting. The date this account was closed was XX/XX/XXXX. But then its also reporting a payment in XXXX which is inaccurate. I did not make any payment to this company after the closing of the account in XXXX. The account should have been off my credit as of XX/XX/XXXX. According to the Fair Credit Reporting Act as well as the statue of limitations

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 2022-03-01
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I closed my account on XX/XX/XXXX at the Truist Branch on XXXX XXXX XXXX. XXXX XXXX XXXX. The account was closed due to a breach whereby my accounts were compromised. At the time of closing the branch did not tell me that I would not have access to the account. Surprising enough the breached accounts for at least XXXX months I had access to. Again, nothing was told to me in writing or verbally. I have closed other accounts in the past with other institutions and they email me or verbally communicate access rules. Besides calling and not getting through on multiple occasions, I finally spoke to a XXXX XXXX XX/XX/XXXX at the bank above about getting access on my accounts. She said I could only request statements and they would charge me for all of them. This is not acceptable ; I was a SunTrust customer for many years. Infact XXXX of my accounts is XXXX of their oldest accounts. I need some help getting my records without being charged since I was never told I would not have access. Additionally, I suggested to XXXX XXXX that maybe they could just give me a computer print-out of my detail. No!

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 2019-08-02
Company: Experian Information Solutions 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:
In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX  XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : 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 explanation
Consumer complaint received 2017-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX SS XXXX XXXX DOB:XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. <P/><P/>I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. <P/>If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you.

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