BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Experian complaint # XXXX response back on XX/XX/XXXX is that Experian is opt me out of marketing and promotional in fact I was already opt out since XX/XX/XXXX and have proof to where Experian responded back to the CFPB about the issue of opt out. So now Experian says I'm on opt out I never stop. I also got all these companies tracing back to pay day loans that they claim is Experian. I also file a complaint and supplied the letter from Experian I'm opt out as proof. I'm not going to play the games and XXXX by Experian and lies. I been opt out for 2 years and update by letter to being opt out. it seems like fraud so we let the US attorney office look into the issue. I also see other people have filed on Experian as well to the issue at hand. It's nothing but words botch and lies to the fact of the matter that as of XX/XX/XXXX I'm opt out of something I was already done and now Experian twist it in another matter. See you in court

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 2019-05-23
Company: EQUIFAX, INC.
State: KY
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:
XXXX and Equifax are not sending me updates. I have written several letter over the past few months with no response. 
Equifax send email confirmation, but does not allow me access when I visit their website to check. I have requested numerous times for my reports to be mailed. This is very fustrating since they continue to report inaccurate information on my credit report, which is against the law. 

Equifax Equifax Dispute Completed Notification RemindeXXXX. Confirmation Number : XXXX Fri, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Completed Sat, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Completed Thu, XX/XX/19 Read Equifax Equifax Dispute Completed Notification Reminder. Confirmation Number : XXXX Wed, XX/XX/19 Read Equifax Equifax Dispute Completed Notification Reminder. Confirmation Number : XXXX Wed, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Wed, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Mon, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Sun, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Fri, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Thu, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Mon, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Mon, XX/XX/19 Read Equifax Equifax Confirmation Number : XXXX - Dispute Received Mon, XX/XX/19 Equifax Equifax Confirmation Number : XXXX - Dispute Received Equifax Confirmation Number : XXXX - Dispute Received

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Ability Recovery Services, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

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 2018-09-08
Company: Experian Information Solutions Inc.
State: NY
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:
I received an updated experian credit report today and still the accounts that I am disputing are still reporting. I tried to call experian XXXX you can't get through to speak to a person. I then tried to dispute the information ( AGAIN ) online and was unable to do so. There are 3 accounts that should not be reporting on my creidt report. 1 ). XXXX XXXXXXXX XXXX this account was deleted off my XXXX   report after there investigation. Experian should have received the same response and delete but they did not do it. 2 ). XXXX XXXX XXXX XXXX XXXX. This is a fraudulant account with fraudulant charges. It was investigated by XXXX and determined that there were fraudulant charges and deleted off my XXXX  report. Experian ( if they did a real investigation ) they would have received the same response to remove off the report. 3 ). XXXX department store. This account was NEVER paid late and again XXXX fixed it and put this account as accounts that are satisfactory and took it out of accounts that are potentially negative. Also my balances on my 2 XXXX XXXX cards are incorrect I do not owe as much as what they are reporting. My balances are much lower. Also my XXXX 's card I do not owe the balance they are reporting. I have been trying to clear this and fix my credit report to show the truth and experian I feel is not doing a complete investigation. I have also been threathened they will not re-investigate the XXXX  XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX unless I provide additional documentation. I should be able to dispute this as many times as I want as this is my creditworthiness and having this incorrect information is causing me a hardship. I can't even get to speak to a human to clear this problem.

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 2018-09-08
Company: GREAT LAKES
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
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:
Based on the option I selected for this complaint, the 'error ' is that XXXX XXXX   XXXX XXXX XXXX ( and the 3 major bureaus ) continue to report an unverified, invalidated account without having provided original documented proof for MONTHS. I have repeatedly disputed the student loan account with XXXX XXXX XXXX XXXX and they continue to come back via the bureaus stating that the accounts ' info is all accurate, valid, verified, and mine -- all without providing a shred of proof to back this all up. Since XX/XX/2018, I have constantly asked for the original instrument of indebtedness in its original form bearing my actual, wet signature. It has been about 7 months and I still have not received this original documented proof that the account is 'mine ' and 'verified '. XXXX, in particular, has even had the audacity to tell me over the phone that they do not have to provide proof to the consumer on accounts. It is EXTREMELY DANGEROUS to my identity as a consumer for me to not know or receive original proof of a contractual agreement with a company. This opens the door to all sorts of problems. If I do not get proof from the bureaus or the original creditors, then where in the world am I supposed to get this information? As a consumer, do we not have a right to see the proof behind these so-called " valid '', " verified '', " accurate '' accounts? I am outraged that I have not received this proof from XXXX XXXX XXXX XXXX or the 3 major bureaus in months. I have been monitoring my credit and making sure all accounts are validated in order to remain on my reports. I am trying to do my due diligence, but these companies are deliberately hindering this process by not giving me due process. Moreover, they are violating the FCRA & FDCPA. I demand that XXXX XXXX XXXX XXXX   provide the original instrument of indebtedness in its original form bearing my actual, wet signature for the disputed account. If they do not have this, then I in turn demand that they DELETE the truly unverified, invalidated, inaccurate account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Maximus Education, LLC dba Aidvantage
State: GA
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:
XXXX has not removed dispute language from my credit report. It says dispute resolved, customer disagrees. I want this language removed, because I stopped disputing these late payments months ago after a representative explained how they appeared on my credit report. Please remove all dispute language from the remarks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Bank of America won't loan me any money, even though I am a customer and have my SSDI check deposited directly into my Bank of America account, they won't loan me any money because I participate in The Social Security Disability Program. This also violates my rights under ADA. I need a vehicle and have the funds in a payment strategy but they still discriminate against me. This puts a heavy strain on my legs. When I go for a car they put extra demands on me that they don't do to others. The vehicle has to be brand new and a certain model. Bank of America is being discriminatory and harmful towards a handicapped man and won't even loan money to a customer that deposits money in their Bank which they make money on in interest but because they say I'm poor they won't loan money to me! This is unfair and not right. 

- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New Mexico 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 2018-09-08
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying for months now to obtain a copy of the original contract between XXXX XXXX XXXX XXXX and their client XXXX XXXX prior to my wage garnishment. XXXX only provided a copy of a statement dated XX/XX/2018 from XXXX XXXX, which is not the contract. XXXX has be bouncing around this request for months now, and I demand the request immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX-XXXX  Inquiry from XX/XX/XXXX 2020 XXXX XXXX-XXXX  Inquiry from XX/XX/XXXX, 2020 XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2020 XXXX XXXX XXXX Inquiry from XXXX XXXX 2020 XXXX Inquiry from XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: AMCOL Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMCOL SYSTEMS INC XXXX XXXX XXXX XXXX, SC XXXX I have received two collections from this company same same balance owed, unfamiliar with it and trying to work it out but the derogatory mark is having a major impact on my credit score. A mistake has been made on my credit report I believe the company has put in this account twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an account with Chase bank, they set the account up after runing mu personal information, took the opening deposit of XXXX on XX/XX/XXXX. i updated my direct deposit to direct funds to chase on XX/XX/XXXX. now XX/XX/XXXX i am being told they are closing my account, rejecting my direct deposit and will mail me a check for the money in 7 to 10 days. i asked why and was told they are refusing to tell me why, refusing to give me any information whatsoever including what information was used to make the decision and will not give me my money back immediately even though they have no reason to hold it. i had a chapter XXXX bankruptcy discharged around a year ago so i donot owe them any money. yet now i am unable tee o pay my bills because chase has ALL of my money and all of my wages in limbo until the decide to send them back. the least they can do is tell me why or at the very least give me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: EQUIFAX, 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:
Equifax has been non-compliant with removing the unverified account XXXX   XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX  XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Bread Financial Holdings, Inc.
State: GA
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 had a Victorias Secret card card when I lived in Oregon for a number of years. Always paid my bill and was never late and never over the balance. I paid off the card in XX/XX/2018, it was at a XXXX balance. I was scheduled to move into a new apartment at the end of XX/XX/2018. I started to move in and was unable to due to a bug problem and it was delayed for three weeks. Since I paid of the Victoria Secret credit card I didnt notice it missing until I received the statement and saw the changes, I reported it immediately. I wrote to the FTC, I put a freeze on my credit and I wrote a statement to Victoria Service. Not once did Victoria Secret send me a an acknowledgement letter or a Declaration of fraudulent activity. My case has been investigated twice and denied twice. I asked for the proof they have that those transactions are mine and they refused and told me to submit a subpoena. I have been fighting this for almost three years, my history with them should be enough to show this was not me. I was denied my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: CITIBANK, N.A.
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: Old information reappears or never goes away

Complaint:
i have a report onXX/XX/XXXX saying i have a collection / charge off on a accont that was settled and closed in 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 2019-05-23
Company: EOS Holdings, Inc.
State: MA
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:
This company claims that I have a balance of {$260.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to them asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a bill with the amount that they claim that I owe to them. I asked for documents that would show an original contract with my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On the bill it shows XXXX XXXX as the original creditor but I never had an account or a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX. I made a payment of {$1000.00} US dollars to my car loan. About 30 days later the loan went from {$9000.00} to {$9500.00}. That is a 6.6 % per month, or 79.2 % annual percentage rate. 
I would like this loan to be review, because, since XXXX we have paid {$19000.00} onto the loan, that it was originally {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX I was trying to purchase a home and found out that a Mortgage and HELOC account I had with XXXX XXXX was being reported as discharged in Bankruptcy that was finalized in XX/XX/XXXX. 

However, we had reaffirmed the Debt in our Bankruptcy, continued making payments on the Mortgage and HELOC and sold the home in XX/XX/XXXX, so it could not possibly have been discharged almost 2 years before it was sold by us! 


In spite of this I have tried to get XXXX XXXX to correct and they have refused. I have filed a complain with all three credit agencies and they each said that they conferred with the bank and the bank confirmed that what they are reporting is accurate. I attached all of our payment history for the mortgage and HELOC which shows the payments being made through XX/XX/XXXX, but this was ignored.

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 2018-09-08
Company: Experian Information Solutions Inc.
State: CO
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:
The Account for Child support was placed in collections in the year XX/XX/XXXX, I have filed multiple disputes and sent letters to Experian and the accounts continued to reage, Now it's showing on the reports as closed but negative with late payments, Therefore this account should have been removed no later than XX/XX/XXXX but is still being reported.

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 2021-02-24
Company: EQUIFAX, INC.
State: NV
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:
These are not my accounts. Please remove them. Also, I was never late with XXXX XXXX as I have attached my document to show it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed with Portfolio Recovery, on several different occasions. This alleged debt is NOT mine and it is ruining my credit profile and my good credit history. They have failed on SWEVERAL occasions to show proof and what I mean PROOF is a signed contract that I owe this company MY SIGNITURE. I DO NOT owe this company a dime and they have failed to deliver PROOF as REQUIRED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: General Motors Financial Company, Inc.
State: TX
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:
Hard inquires were made without my consent. I called and sent letters to various companies and they told me that they were a third party company who made inquires on behalf of the original company. I asked them to prove validation, but no response.

Company response to consumer: Closed with non-monetary relief