BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-07
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 have an account with XXXX my account is in excellent standings and has never been late. the last time XXXX reported my balance of {$520.00} to the credit bureau was last XX/XX/2020 we are in XXXX 2020. I have reached out to XXXX 's customer Service in XXXX and spoke to a young lady who confirmed my balanced was cleared to {$0.00} and would report in a week.I also asked her to send a copy of my last two statement balances so I can send to the credit bureaus. she confirmed they would be mailed out to me. XX/XX/XXXX it reported the exact XXXX balance {$520.00}. In XXXX I did not receive my statements as promised and XXXX was reporting the same XXXX information! I disputed it with Experian, XXXX  and XXXX. Although I had a XXXX  balance with XXXX for 3 months the disputes came back accurate in XXXX with only XXXX reporting Information. I called XXXX AGAIN in XXXX and spoke to a man this time he also CONFIRMED my balance was showing as {$0.00} and HE would mail out my last 3 statements which never came in the mail. In XXXX my last attempt was calling XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX , XXXX  XXXX XXXX XXXX XXXX XXXX Utah XXXX ... They assured me my credit file would be updated with the XXXX  balance reflecting in my account they also said they would send my statement balance for the last 3 months. I NEVER RECEIVED MY STATEMENTS I ASKED FOR 3 TIMES. AS OF TODAY XXXX XXXX IS REPORTING XXXX 'S BALANCE OF {$520.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX XXXX XXXX collect car payments but not accurate. Experian, XXXX and other credit bureaus reports 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 2021-04-16
Company: EQUIFAX, INC.
State: LA
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:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
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:
XXXX - XXXX XXXX # XXXX is reporting a balance that should not be there. I returned this car back in XX/XX/2016 and I should not have any missed payments or a balance after that. I have no legal obligation to pay this and there should not be a balance.

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 2023-06-05
Company: Sequium Asset Solutions, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im not sure whats going on, I have never done business with sequium asset solutions, dont know who they are and they placed a collections account on my credit ruining my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
The bureau have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
FOR XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOR EQUIFAX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX FOR XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-08-09
Company: American Credit Systems, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sometime back in XX/XX/XXXXorXX/XX/XXXX, I contacted XXXX XXXX XXXX  which is located at XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX. I was in need of somebody to provide maintenance to my deceased mother-in-laws lawn. XXXX  proposal was either {$35.00} or {$40.00} per visit to mow the lawn. I do not reside in the area of my mother-in-laws house therefore I didnt not know when it was being maintained and when it was not. A neighbor of my mother-in-law called me to inform me that they did indeed cut the lawn and to ask me how often are they scheduled to cut the lawn to which I said weekly. The neighbor told me that that was to often and to think about it being cut either every two weeks or once a month to which I called XXXX  to request it be cut either every two weeks or once a month. When I placed the call I had no choice but to leave a message on theyre answering machine due to nobody picking up the phone. Mind you this was around the time of the first cut and I did not hear back from XXXX so I thought they had gotten the message and did not cut it as often. I just received a letter in the mail from a collection agency named American Credit Systems Incorporated informing me that I owe {$470.00} for an entire summer worth of lawn maintenance to this property. I feel that XXXX is taking advantage of me and sees this is an opportunity to make money even further and theyre attempt to dismiss me notifying them to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to contact this credit card company, XXXX   XXXX/XXXX  as well as the collection agency Portfolio Recovery Associates LLC asking them several times to send me Verifiable Proof ( An Original Consumer Contract with my signature on it ) stating this debt of {$2000.00} is mine. They have failed to positively verify this account which has hurt my ability to obtain credit. XXXX   XXXX/XXXX as well as the collection agency Portfolio Recovery Associates LLC continuously sends bills and collection letters in the mail that DO NOT belong to me. Under the FCRA, unverified accounts must be deleted if the company is unable to provide me a copy of verifiable proof and this company is refusing to do so. Please assist in having this account remove from my XXXX, XXXX and XXXX Credit Report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: FL
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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: AMERICAN EXPRESS COMPANY
State: OH
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 rewards from credit card

Complaint:
I was supposed to receive XXXX American Express Membership Reward points upon making {$5000.00} in purchases on my new AMEX card within the first 6 months of getting the card. I received the card in late XX/XX/XXXX, and I met my spending requirement on XX/XX/XXXX, yet I have not received the XXXX points as I was supposed to. 

I reached out numerous times to AMEX customer service and was told I needed to wait 8-12 weeks starting from the date of XX/XX/XXXX in order for me to receive these points. It is now 13+ weeks since XX/XX/XXXX and I still have not received my points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-06-05
Company: Aargon Agency, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An apartment was rented in Nevada under someones identity, but they used my name and social security number to register the electricity bill. From XX/XX/XXXX to XX/XX/XXXX the account accumulated late charges until the utility company discontinued the service. I was informed about 1 month ago that this was done without my knowledge and was identity theft and fraudulent use of my information. I have disputed the bill with the energy company, the collection agency, and with the XXXX credit bureau.

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 2022-11-09
Company: EQUIFAX, INC.
State: IN
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: NJ
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 identity theft issue has affected my ability to obtain any credit to financially take care of myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No knowledge of acct. never received notice and need this removed immediately due to FDCPA and FCRA violations... debt has not been verified or validated. please remove at once. Strict violation of 15 USC 1692g. REMOVE AT ONCE

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-20
Company: AMERICAN ADVISORS GROUP
State: OH
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
After the XXXX of my father I received through title my dad 's home and it had a reverse mortgage the company I dealt with never fully explained the process. I have applied to the sameCompany twice for reverse mortgage once approved then secondly told that if I did not have a bridge amount of {$XXXX} I could not close the loan. Likewise I found a XXXX XXXX bankruptcy in this XXXX XXXX of Ohio and the company keeps coming up with objections because the original reverse mortgage was not my debt but that of my fathers. My bankruptcy attorney is working diligently to come up with some pleas ... but the reverse mortgage holder refuses to even consider any bargains so it looks like foreclosure is in my near future are there any laws they can help me obtain my dad 's reverse mortgage. Even with a XXXX XXXX bankruptcy I could pay off the debt is 5 years at 100 % it 's unheard of with this company and I need help thanks for your time and effort.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and 15 US Code 1692e ( 2 ) ( a ) and ( b ), the latter was truth and lending act. They are reporting a collection as an Open account that is not under FCRA Compliance. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I made an online purchase from XXXX XXXX. I used my Apple Card to make the purchase, in the amount of {$100.00}. When I received the item I ordered I was not able to use it. It was wireless headphones and I was not able to sync the headphones with my bluetooth. I requested a return from XXXX and sent them back on XX/XX/XXXX. I tracked the return through XXXX and the package was received received by the XXXX XXXX XXXX on XX/XX/XXXX. When I did not receive a credit from XXXX I called XXXX on XX/XX/XXXX. XXXX and was told that if I did not receive the credit by XX/XX/XXXX to call back. When I still did not receive a refund I called XXXX and was told they would do an investigation to find out why I did not receive a refund. On XX/XX/XXXX I received an email from XXXX stating they were refusing a refund. 
On XX/XX/XXXX I initiated a dispute claim using the XXXX XXXX app on my phone. I received a temporary refund of {$100.00} for the amount of the purchase. On XX/XX/XXXX I received an email from Apple Card Support telling me that XXXX stated they never received the item and I was being charged for the purchase. When I initiated the dispute on the app I had to answer a few questions, one of which was if I could provide documentation to support my claim. I answered Yes and they stated that they might request the documents in the future. They never contacted me or gave me the opportunity to submit my documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I wrote a letter to kohls because I had found out that there was a drop in my credit score for a 30 day late! I was upset and went over my bills and remembered that kohls had taken out three payments due to a glitch while paying on line! I called Kohls immediately once I saw the three payments that were taken and asked for two of them to be reversed which I have proof that they were! They kept one for payment which I also can prove. I called them back when I found out that the 30 day late was reported and was given a address to send a goodwill letter too which I sent! They sent me back a letter on XX/XX/XXXX stating that they will not remove it! I have had this card since XXXX and have never been late! I am upset that they placed inaccurate info on my credit report and are claiming it was not! They are worried regarding judgment from the credit reporting companies and not concerned that they acted hastily and reported inaccurate information! Please look into this as I can prove that it was paid! Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: BANNER CORPORATION
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We opened a construction loan with a float down to conventional mortgage in XX/XX/XXXX. The financial institution was Banner Bank in XXXX Washington. Due to frustrations and poor customer service, we paid off the loan and moved the balance to another institution on XX/XX/XXXX. 

We prepaid inspection fees totally {$1200.00} and only {$600.00} of that was recorded against the escrow. As of XX/XX/XXXX we haven't received the {$610.00} refund or any explanation where the funds are. We've asked repeatedly, via phone calls and emails for a reconciliation and receive no response from the department responsible for the funds.

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 2022-03-07
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
NCB Management Services of XXXX XXXX  XXXX XXXX, XXXX XXXX Contact number XXXX. Per my XXXX credit file dated XX/XX/XXXX, File No. XXXX NCB illegally put a hard inquiry on my credit file on two different dates XX/XX/XXXX & XX/XX/XXXX. I have never done business with this company or given this company verbal or written consent to access my credit file. The fraudulent actions this company have taken against me has resulted in the denial of credit for lenders, which goes against the FDCPA guidelines. I am requesting the hard inquiry and any collections this company put on my credit files be removed.

Company response to consumer: Closed with explanation