BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Good Morning, I take pride in my credit and I value it very much. I have been trying to contact XXXX and Equifax with regards to reporting a late payment from XX/XX/XXXX on this account XXXX/XXXX and XXXX XXXX XXXX the big issue is that they are lying about verifying the late payment when the company is out of business and has been for quite some time. These credit bureaus need to do their jobs and actually contact the company and verify what complaint/dispute is being made. This account has been closed out since XX/XX/XXXX and I have been trying to get this falsely 30 day late payment removed from this account and it still has a negative reporting on my credit profile. All I want is for them to do their job and get these 30 day late payments removed from my credit report as soon as possible. They are always saying that it was verified when they are not even contacting the company. 

Kind Regard, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: EQUIFAX, INC.
State: KS
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 XXXX-18 I was informed that there was a breach in equifax system and all my information was released to the public and it wiped out my credit report and score and they have made no attempt to fix it or inform me of any updates concerning the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
End of lease return for XXXX XXXX was due XX/XX/XXXX around XX/XX/XXXX, I noticed online terms said 3 year XXXX mile, but the contract we signed and executed said XXXX miles. I contacted XXXX immediately ( via chat ), and they said I would have to discuss with dealership. 
XX/XX/XXXX, we returned the car to the dealership ( XXXX XXXX ) and they said they would look into it. 
XX/XX/XXXX XXXX XXXX from XXXX XXXX said I needed to submit the final liability statement to him and that he had received approval from XXXX to credit us for half the over mileage fee ( car had XXXX miles ). 
XX/XX/XXXX I responded stating that half did not make sense to me. I signed a XXXX lease agreement, why should I pay for mileage I didn't agree to. This was for my daughter while in college ( 5.5 hours a way ) and we knew she would need more than XXXX miles. In fact, we bought an all-inclusive warranty product through XXXX that went through XXXX miles. 
XX/XX/XXXX XXXX responded with documents from the point of sale ( typical car dealership notes on paper ) saying XXXX was agreed upon. I had already discussed with him in person that we discussed both options in the initial sales discussions. He could not produce an executed contract that showed XXXX miles. 
Around XX/XX/XXXX, I received a call from the original salesperson asking what I intended to do with the car. Now I am really confused ... I emailed XXXX and the general manager asking what was going on again? 
I followed up two more times ( XXXX and XXXX ) wanting to know what was going on? I started receiving collection calls from XXXX finance. 
XXXX, XXXX XXXX, the general manager responded to my email saying the lease was returned and grounded and any remainder in balance would be sent to me by XXXX XXXX. 
XX/XX/XXXX, I received my final liability statement. It now includes the entire mileage overage charge of {$1300.00} ( XXXX miles ) and is due on XXXX. I am being charged for mileage I paid for through the lease contract. In addition, the process of " turning the car in '' was unclear, not efficient, and took way too long. I feel as though turning the car in is a bad thing and they want to use the initial contract to force me into another XXXX product. That was the very first question I was asked when I told them about my contract issue. It seems very deceptive and unfair for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: EQUIFAX, INC.
State: TN
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:
XX/XX/2018, Equifax received my request to delete an item from my credit report from XXXX XXXX for {$260.00} regarding a medical collection because they did not successfully validate the debt within 30 days. In conjunction with this dispute, Collection agency may have committed a possible XXXX  violation in that theyve directly sent me a copy of medical records but there is no proof of a XXXX release form with my signature or any proof the agency is a Business Associate which I specifically, addressed and requested from collector. Later in the investigation, I also researched and contacted alleged original creditor and the entity stated the debt was sold and not assigned, therefore, if the collector isn't representing the original creditor, they are not considered Business Associates and don't have the right to protected health information. Furthermore, Equifax did not complete an independent investigation of the matter which is required by FCRA. The company simply sent an XXXXr statement that the account is accurate directly from the collector. In terms of violations already committed, the collector never entered a notation on the account the item was disputed and never ceased collection activity during the validation process, and neither did Equifax when I disputed them directly and they also falsified an " in dispute '' notation when I received the dispute results dated XX/XX/2018 ( I have a copy of my Credit Report over that time period, " In Dispute '' is not in comments section that day or any other day of the dispute process ). Concluding, Equifax did not handle this correctly, they did not conduct an independent investigation and when confronted with violation committed by the collector, my rights were not protected, and I have physical records as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 explanation
Consumer complaint received 2018-07-25
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
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:
During XX/XX/XXXX I made payments on two different medical collection items., {$540.00} and {$640.00}, held by the collection agency Wakefield and Associates . These items were a result of claim disputes with a medical insurance company.The claims were finally settled/ paid and the items were paid directly to Wakefield with the understanding the items would be eliminated from all three credit reporting agencies. To date Wakefield has refused demands to eliminate the derogatory information from my credit. Wakefield is violating the law under FCRA XX/XX/XXXX. 
I want Wakefield to eliminate any information at credit agencies on these items.

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 2020-01-29
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I received a call about a missed payment, which was an oversight on my part. Talked to a rep from Citibank and discussed about getting the payment plus late fee and my next payment sent in by a certain date. I am still getting calls from them about my payment and the date we set up which I believe was XXXX XXXX hasnt arrived yet and I said I planned on paying it before then. Was told by the rep shed make a note of the payment being sent in and on what date. Not sure why Im still getting called about this then.

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 2018-04-05
Company: Experian Information Solutions Inc.
State: NV
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 opened a credit card account that's been unused by me with a particular company and it has continuously reported a maxed out balance to the 3 credit bureaus who i've also contacted over phone and mail explaining the inaccuracy of my report. I notified the bureaus that the balanced amount being reported is not correct and way past inexcusable to accept and needs to be fixed down to 0 or removed because I owe nothing. The bureaus apparently contacted XXXX and they reported a total different number then what they first reported. The bureaus caught this and quite fairly removed XXXX account from my report, but only to reinsert it just a couple days after and this time with a new different balance, credit card still being maxed out.

So in fairness to myself and millions of others who rely on these credit bureaus to report only accurate verifiable information, by fcra law, they were suppose to notify me within 5 days for reinsertion of a previously deleted account. In which I never received any such notification, [ this account needs to be deleted once and for all, immediately ]. I will upload documents showing different balance amounts being reported and also the account being deleted then reinserted ... Unfair illegal practices, done by both the credit bureaus and creditors, hindering the consumer from obtaining further credit.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
All three Credit Bureaus ( XXXX, XXXX, and TransUnion ) had put a restriction on my abilities to submit a Dispute Online and enjoy their free services on my free accounts. I will need for all three of them to remove the restriction on my accounts so I can submit my online Disputes.

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 2019-02-05
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XXXX XXXX is placing multiple late payments on my credit reports after several phone call attempts to make payment arrangements and payments on time. The inaccurate information is hurting my credit and ability to apply for credit. I have tried to repeatedly contact XXXX XXXX XXXX and all 3 credit bureaus about the inaccurate payment history on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Eastern Account Systems of Connecticut, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2018, I moved. I cancelled XXXX service at my old apartment on XX/XX/18 and then went into their office on XX/XX/18 to set up service at my new address since when I spoke to someone on XX/XX/XXXX, they said they were not able to simply transfer services between locations. While I was there, the agent offered to take payment for my final bill of {$60.00} at the old address, which I provided ( I still have the receipt from XX/XX/XXXX and my bank shows the payment went through on the next business day, Monday XX/XX/XXXX. ) XXXX has continued to email, mail, and call me about this final bill saying it is unpaid and has now turned it over to a collections agency, Eastern Accounts. The woman there was helpful when we spoke today and took a copy of my receipt to send to XXXX since the last payment the records they sent her reflect was from XX/XX/18 for {$110.00}. So far this week alone ( the week of XX/XX/18 ) I have received a piece of mail, an email, and a phone call about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: Experian Information Solutions 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 have been a victim of identity theft.

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 2018-10-02
Company: Experian Information Solutions 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 information incorrect

Complaint:
I called in to make a payment because I always set my payments up to come out automatically but this one did not do it so four days later I noticed and called on XX/XX/XXXX. It was due on XX/XX/XXXX. I was asking is there a way to make my payments lower being I am a student. The monthly payment was {$72.00}. They talked me through setting up a payment plan and said because I was approved for this plan my first payment would have to be on XXXX for {$98.00} which I did. It was set up for {$31.00} to come out automatically every month which it has. I was told the account would not accumulate interest while I was on the plan. Not only was that a lie, they reported my account past due to the credit bureau. After calling 10 times to try and fix it they are saying that the account was reported in error and that they fixed it. However what they actually did was remove the past due from XXXX and put it on XXXX. A supervisor called me said they never reported it and I should dispute that with the credit bureau. The credit bureau said I should dispute it with XXXX. The 4 representatives from XXXX would not transfer me to a supervisor and three of them just told me to hold on and hung up on me. Now my credit score is even lower. I am always on time with all my 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 2018-07-25
Company: Caliber Home Loans, Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with Caliber home loans since XX/XX/XXXX in trying to obtain a loan modification. I have submit every single document that has been requested since my initial submission. I have received mailings on multiple occasions stating that my loan modification packet was complete and going to underwriting for review. Shortly after I would receive requests for additional information. After complying with all of the requests, the file was never decisioned. I was told I had to resubmit everything because the documents expired. This went on for 16 months straight. All the while I was in the XXXX County Foreclosure Mediation Program. Finally when the mediators set the case for a formal hearing on XX/XX/XXXX. Right before the formal hearing I finally received a decision letter. The loan modification was denied and I was denied all home retention options as my arrearages grew larger than FHA 's partial claim would allow. Caliber is at fault for neglecting to review my complete applications timely. I was prepared to begin making mortgage payments again as soon as the first application was submit. I am so disappointed in the actions of this servicer. Due to the length of time they wasted, I am now in close danger of losing my home to foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Good Morning, I take pride in my credit and I value it very much. I have been trying to contact Experian and XXXX  with regards to reporting a late payment from XX/XX/XXXX on this account XXXX/XXXX and XXXX XXXX XXXX the big issue is that they are lying about verifying the late payment when the company is out of business and has been for quite some time. These credit bureaus need to do their jobs and actually contact the company and verify what complaint/dispute is being made. This account has been closed out since XX/XX/XXXX and I have been trying to get this falsely 30 day late payment removed from this account and it still has a negative reporting on my credit profile. All I want is for them to do their job and get these 30 day late payments removed from my credit report as soon as possible. They are always saying that it was verified when they are not even contacting the company. 

Kind Regard, 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 2018-08-21
Company: All State Credit Bureau, Inc.
State: MI
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 information on my credit report was not reported per FCRA guidelines. I should have received documentation, or received contact, that this information would be reported to my credit report. I have disputed these claims, and have received no documentation confirming the right for these items to appear on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: U.S. Equity Advantage Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX. AT the time of purchase I enrolled with Autopay Plus for a program that, through bi-monthly payments would pay of my debt quicker. The loan company was XXXX XXXX 
XXXX weeks ago i received a notice of an outstanding debt owed to Autopay plus dating back to XX/XX/XXXX. I was set up with Autopay for automatic withdrawal bi-monthly. My transaction history shows the following : My first payment was withdrawn by autopay for the month of XX/XX/XXXX was XX/XX/XXXX. 
My second payment was withdrawn by autopay for the month of XX/XX/XXXX was XX/XX/XXXX. 
On XX/XX/XXXX the debit was reversed. 
On XX/XX/XXXX funds were disperesed to my account for a home refinance, and payoff of `the XXXX XXXX XXXX A few weeks after I received the title for the vehicle. The check for payoff to XXXX was written out and sent to by the closing attorney. As far as I knew, once I was given the title all outstanding debts were paid off. 
I never received any notification from XXXX of a missed payment until XX/XX/XXXX. 
I spoke to the loaner XXXX XXXX no issue. After much digging on my part I had a XXXX way call with my Bank XXXX bank and Autopay. During this call it was shown and stated by XXXX XXXX that neither myself or XXXX XXXX had stopped payment. They proved this by pointing out the transaction history would look different. The only conclusion is that Autopay reversed the payment whether purposely or accidently or that there was a glitch somewhere. Had I been notified in the months after of an error, I had sufficient funds to right this. XXXX years, a year of pandemic, XXXX months out of work, a new job making half the wage I made, I am strapped. I am at a loss on how the blame is solely on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-19
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2023, I requested that RMP LLC stop contacting me via telephone. They have continued to call me at least once a day - frequently more!! - every weekday, since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
An account was opened in my name for Bloomingdales credit card. I have no affiliation with this company. I received a bill with this company and contacted them but they said I would need to handle it through this website because the person that opened in my name has all my correct information.

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