BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: MA
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual  reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2023-08-30
Company: EQUIFAX, INC.
State: MD
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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please Help! Capital One has furnished a charge-off on my consumer file that does belongs to me. As stated before I never authorize this account. I have attached a copy of debt validation Exhibit A. Exhibit B a letter from Capital One stating that the account in question was taken over the phone or the internet. Exhibit C and FTC report, Exhibit D a letter from Capital One stating that they are closing the account. Exhibit E is a letter from Capital One stating that they will be forwarding my fraudulent application to their fraud department which they never did. Exhibit F is a cease and desist letter to Capital One which they continue to violate. Capital One just placed an account on my consumer file with the attempted to ruin my credit worthiness without being able to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Remitly, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX person tried to transfer money fro my bitcoins account remitlly is the name of the company no ones a wants to talk to me the person name XXXX XXXX thats trying to transfer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
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: Investigation took more than 30 days

Complaint:
On XXXX-17 I sent a credit dispute to XXXX XXXX to the address listed on my Experian credit report via certified mail. 

The address listed was : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX The parcel was returned to sender and XXXX  did not respond within 30 days. 

In accordance with the FCRA this item must be deleted. 

A copy of the certified mailing and Experian credit report are attached.

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 2021-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have three hard inquiries on my XXXX  credit report from Bank of America. I did not apply for credit with this company. I called XXXX  and bank of america to dispute the inquiries but have not had any response.

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 2023-02-28
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: Allied Collection Service, Inc. (Indiana)
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On Saturday XX/XX/2020 I received another letter from Allied Collections Service Inc. after I told them not to contact me. I also advised them that I was going to file bankruptcy plus that Im judgment proof ( extortion proof ) because Im XXXX and have been for over 5 years so Im unemployed  and will never be employed  again. They have harassed me over and over ( the tie up the local court system harassing the poor ) I even changed my phone number because of their harassment. I havent filed bankruptcy yet but Im in the process of doing the paperwork and Im definitely filing ASAP so because of all the above they have no reason to continue the harassment. If you look at my last complaint I attached everything Im pointing out now in regards to them being advised not to contact me, bankruptcy and being XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
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: Was not notified of investigation status or results

Complaint:
I have been disputing since XX/XX/XXXX inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-45 day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another dispute letter to each of the brueaus, demanding they delete the inquiries that I did not authorize. Here it is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
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: Was not notified of investigation status or results

Complaint:
I am writing to request the immediate removal of the accounts and associated information listed below from my consumer report. It is imperative that these accounts and information are not reported, as their presence violates the FDCPA and FCRA. This violation of multiple laws necessitates their immediate deletion from my consumer report. Please take prompt action to remove these accounts and information without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: AXOS FINANCIAL, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I setup and account with AXOS bank less than 30 days ago. I then did a photo deposit of a check. I waited for a few days for it to clear. When it did not clear I called and was told that it would be released on Monday XXXX. I waited for Monday and the money was not available. So I called in once again and was told that the funds would be available by XXXX XXXX  CST. So I then waited until XXXX XXXX  CST and the funds had not been released. SO I then called again. I was then told oh I am sorry they were wrong in what they told you. It will be XXXX PST before the funds will be released. SO AGAin I waited until XXXX XXXX  PST and guess what the funds had not been released. SO I called again ad got a 3rd time the monies would be released. This time I was told XXXX PST ... 

I am feeling like either I am being lied to or that they have very poor training and no one has the ability to tell time. I will again be waiting until Midnight XXXX and see if the funds are to be released.. 

Side note the bank was gracious enough " as a courtesy " Release a {$1000.00} at the XXXX XXXX  CST time call. Also if find it very interesting that they dont have a supervisor available to talk to a customer when they have been treated so poorly.. AFter I pushed the issue and put on hold, I was told that I talked to my supervisor and they will call you back in 1 to 2 Business days. Really ... So they do have a supervisor available but not for customers. 

this a correspondance from their online response center.. 
XXXX - Axos  XX/XX/2020 @ XXXX XXXX  Hello XXXX XXXX, Thank you for contacting Axos Bank. I hope you are having a wonderful day! I am happy to assist you with your inquiry. After reviewing your account, please provide us with proof that funds have cleared the other financial institution and then we will be able to submit a request to release funds. Again we apologize for the inconvenience this may have caused you. We really appreciate your business and patience through these unprecedented times. If you have additional questions please let us know. 



We appreciate your business and commit to providing superior banking products, support and services. 



Best Regards, XXXX Axos Bank Customer Service If this person can release the funds so should someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: NCSPLUS INCORPORATED
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As a young man with minor responsibilities I went into XXXX  to better my future. Like any young adult I was not financially stable and needed assistance to do so with a student loan. Fortunately, as I became a XXXX I made the decision to get married to the love of my life and then came our beautiful XXXX children. My responsibilities increased as my family depended on me. I had to divide my time to attending XXXX, working a full time job and to spend time with my loved ones. Things were getting too stressful, so my time as a XXXX has stretched out into XXXX XXXX XXXX credits. Up until now, I still am a XXXX XXXX trying to tackle my tasks, one at a time. I was deceived by being told that I did not need to start paying off my student loans until after I graduated. I've contacted this company about my outstanding debt. I pleaded that they allow for a settlement or a payment plan in order to pay the large sum. It was denied. I am trying to purchase a home but unfortunately this is putting a strain on my credit report and is preventing me from doing so. This is effecting me from providing my family with a decent lifestyle. I wish there was a way we can come up with a resolution and dispute this enormous amount. The NTL Credit Systems has failed to provide me with a compromising settlement agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I started a refinance process with Freedom Mortgage back in XX/XX/2020, at their offer, and it has costs me over 100 points off my credit score, access to other credit sources, and months of wasted time and effort. Because of their constant mistakes, negligence, non action to correct, and refusal to communicate with me, I'm submitting a complaint outside of their organization to force them to respond and remedy this situation. Closing took 3 attempts because they couldn't get my name spelled correctly and they are now pretty much ignoring me since the loan closed. We're in the middle of a worldwide pandemic and this company could care less how they're impacting both my monetary well being and physical health. I've tried to work with them, constantly calling and emailing, but all I get each time is " a manager will call you back ''. It's been 7 months with no relief in sight. I have experienced severe damages and will continue to suffer damages now and in the future. I see they've been in trouble before and I'm not sure why the VA continues to allow them to work with service members and veterans. They clearly don't value our business or care anything about how our families are impacted by their negligent practices.

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 2020-03-17
Company: EQUIFAX, INC.
State: UT
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 was part of the group effected by the Equifax breech. Because of this, I keep a close eye on my credit reports. Recently an AKA has shown up on my credit report for someone named XXXX XXXX XXXX year of birth " XXXX '' The only negative issue on my credit report at this time is number of inquires for new credit. What kind of information did this person need to be put on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Toward the end of XXXX I received a letter from Navient informing me that they had been sending my invoices to the wrong address and that my account was overdue. This account had been in deferment for quite some time. Most of my student loans had been managed by my parents early on and I had no idea that this account was coming out of deferment until I received the letter. The past due balance was immediately paid and automatic payments were set up to avoid any miscommunication going forward. Immediately after payment they reported me 90 days late and would not see any fault in their failure to communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Moria Development, Inc.
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the third time in the past year and a half, I have gotten notices claiming that I have missed a payment on this loan, which I have not. Payments are always made from my bank 's online bill pay system for all of my mortgages, many of which are with this same lender. I have bank records that show that all payments were sent on time and that the lender cashed all of the checks, proving receipt of the payment. They just resolved the last issue in XXXX, and have now put a missed payment on my credit report for yet another issue. I tried calling the lender and they told me that I would have to write yet another dispute letter, which I have already done several times. Payments were made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: EQUIFAX, 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Midwest Recovery Systems
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Upon checking my credit report across all three CRAs post-chapter XXXX bankruptcy filing, this company continues to report an account from XXXX as open and derogatory. They were listed and included on the creditor XXXX at the time of filing which was XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, 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:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} ; XXXX XXXX Balance : {$79.00} XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXXXXXX Balance : {$89.00} XXXX XXXX XXXXXXXX Balance : {$50.00} ; XXXX XXXX Balance : {$74.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
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: Account information incorrect

Complaint:
The following account information is incorrect reporting that I was late on the following accounts : XXXX/XXXX : I was never 30 days late ; incorrect late information is reporting on ( Equifax, XXXX, and XXXX XXXX XXXX   : I was never 30 days late ; incorrect late information is reporting on ( Equifax, XXXX, and XXXX XXXX : I was never 30 days late ; incorrect late information is reporting on ( XXXX  and XXXX ) I was never 60 days late ; incorrect late information is reporting on ( XXXX and XXXX  ) ; XXXX XXXX : I was never 30, 60, or 90 days late on this account ; incorrect late information is reporting on ( Equifax, XXXX, and XXXX ) ; XXXX/XXXX : I was never 30, 60, 90, or 120 days late on this account ; incorrect late information is reporting on ( XXXX, and XXXX ) ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid in full back in XXXX of 2017 - settled for {$250.00}. please remove from my credit as it is negatively impacting me.

Company response to consumer: Closed with explanation