BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-15
Company: EQUIFAX, INC.
State: CA
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, XXXX and Equifax received electronically verification from XXXX XXXX XXXX XXXX on my Mastercard ending # XXXX update as my balance is at {$140.00} on XXXX XXXX. 
But XXXX, XXXX  and Equifax are retaliating because of my file Federal Complaints.and they will not update my balance and credit score. 
As my credit card ratio is under 30 percent. and not XXXX percent as it states on my credit reports. 
All three agencies needs to respectfully update my credit scores and credit. 
I am seeking a VA Loan and purchase in California. 

I am respectfully XXXX XXXX and Retired and a XXXX XXXX Honorable Military Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: LEXISNEXIS
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I recently noticed a bankruptcy on my credit history from 2015 that I did not file. Before contacting the personal information company ( LexisNexis ), I called the Court Clerk in question. She informed me that the bankruptcy was filed without an attorney and no record of who actually filed it. There was never a XXXX hearing, which is where the Court verifies the identity of the filer to make agreements with the creditors. The bankruptcy was dismissed without ever verifying the identity of the filer and any action taken within 2 months. 

Since I did not file this bankruptcy, I took my dispute to LexisNexis providing this information. I submitted the dispute request via LexisNexis 's electronic system at XXXX XXXX on XX/XX/XXXX, verified by their response email. As the 30 day deadline approached without any word from LexisNexis, I sent several follow-up messages to learn the status and continue to inform them that since the FCRA required a 30 day resolution, the deadline was coming up. They acknowledged, in writing again, receiving my request on XX/XX/XXXX, which started the timeline. Finally, on XX/XX/XXXX, a full 38 days after the submission, they claimed to mail the resolution report on XX/XX/XXXX, which is still after the deadline. When the resolution report arrived, it wasn't postmarked until XX/XX/XXXX - 39 days after the dispute was initiated. 

I spoke with a phone representative who told me that they kept the bankruptcy on my file despite never actually reaching out to the Court to verify and exceeding the 30 day mandated FCRA guidelines. I have reached out several times since the deadline has been exceeded and asked for action to taken and have heard nothing in response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On the evening of XX/XX/2019, I noticed a paper underneath my door. As it turns out, the paper was a summons from MIDLAND FUNDING, LLC. However, the summons was not handed to me in-person and thus was issued in bad service. Also, the summons is defective as there is no affidavit in support of the summons, no affidavit in support of the complaint, and no contract attached to the complaint to verify that MIDLAND FUNDING, LLC is legally allowed to collect on an alleged debt. Basically, Midland Funding LLC is not the original creditor. They admit to having bought my debt from another third-party creditor. However, there is no chain of assignment attached to the complaint I received. Additionally, the complaint is not certified or stamped with a seal from the court. Please note that by failing to certify the complaint, the plaintiff has obstructed the rules of the chief administrative judge part 130 : costs and sanctions : section 130-1.1, where it states : ( b ) certification. By signing a paper, an attorney or party certifies that, to the best of that persons knowledge, information and belief, formed after an inquiry reasonable under the circumstances, ( 1 ) the presentation of the paper or the contentions therein are not frivolous as defined in section 130-1.1 ( c ) .Of this subpart, and ( 2 )  where the paper is an initiating pleading, ( i ) the matter was not obtained through illegal conduct, or that if it was, the attorney or other persons responsible for the illegal conduct are not participating in the matter or sharing in any fee earned therefrom, and ( ii ) the matter was not obtained in violation of Part 1200. Rule 4.5 of this Title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
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: Their investigation did not fix an error on your report

Complaint:
Account XXXX XXXX XXXX XXXX, in which I did not open, is showing on the credit reports associated with my social security number inaccurately as per the following information : Account Status : The status of the account in XXXX and Equifax is open, while in XXXX, it is closed. 

Payment Status : The payment status in XXXX and Equifax is late by 60 days, while in XXXX, it is late by 90 days. 

Last Reported : The last reported date in XXXX is XX/XX/2023, while in XXXX, it is XX/XX/2023, and in Equifax, it is XX/XX/2023. 

The credit report 's inconsistencies violate Section 611 ( a ) ( 5 ) and 611 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ). Section 611 ( a ) ( 5 ) requires that credit reporting agencies report the correct account status, which includes whether an account is open or closed. The inconsistency in the account status between XXXX and XXXX violates this section of FCRA. 

Section 611 ( a ) ( 6 ) requires that credit reporting agencies report the correct payment status of an account. The inconsistency in payment status between XXXX and XXXX violates this section of FCRA. 

The credit report 's inconsistency in the last reported date violates FCRA Section 611 ( a ) ( 2 ), which requires credit reporting agencies to report the most recent date that an account was reported to them. 

Overall, the credit report 's inconsistencies show that the credit reporting agencies have not maintained accurate and complete information as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: NRA Group, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The XXXX XXXX XXXX contacted me months ago regards to a so called debt from XXXX, and I responded, explaining the debt incurred after I was evicted/moved out. 
Also, on a separate note the same case went to court, and was settled. I've attached except of the settlement & court proceedings for your perusal. I was strongly advise by my attorney to file this complain. 

I am forwarding this complain cause the agency still listed said account on my credit file on XX/XX/2018. 

Displaying the below information. 

You've paid off 0 % of your collection. 
Balance {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
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 recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
FCRA VIOLATIONS : NOT MINE : name, addresses and accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Unknown Account number XXXX Collection opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Earnest Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been trying to apply for student loan refinancing because my XXXX student loan was given to me at a predatory variable rate of 10 % and 9 % when I was just XXXX years old. As a XXXX year old woman, with a well paying job, I have been making over {$1600.00} payments on-time every month, but the principal in each payment is less than {$500.00}. My student loans have been in repayment for over 2.5 years. I applied to refinance with Earnest by applying for loan refinancing on XX/XX/2019. Although I am able to get approvals at other institutions with my good credit and low risk factors, Earnest denied my application because I didn't have a college degree. I believe this to be discriminatory to people who are unable to finish school, have to take extended breaks in enrollment, or have extenuating life circumstances. I pay my student loans on-time each month and maintain high credit and low risk factors as a borrower, only to be discriminated against when trying to lower my interest rates. When I spoke with Earnest on XX/XX/2019, they stated it is one of their requirements in their lending license. 

Having, obtaining, or not holding a college degree is not a risk factor in determining credit worthiness and should not be held against people trying to refinance their student loan debt burden. This type of discrimination is completely unnecessarily prejudiced towards borrowers with a very common academic path and does not determine one 's credit worthiness. I believe Earnest to be discriminating towards people from unprivileged backgrounds who do not/did not have the ability to have a linear college experience and are endowing extra pressures to maintain predatory student loan interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My IRA transaction was incompetently handled at Discover bank and they failed to respond to calls both by telephone or written letter sent by certified mail. 

I made my {$7000.00} traditional IRA contribution for the prior year ( XXXX ) on XX/XX/XXXX to my existing IRA savings account via ACH transfer which was mistakenly confirmed as this year 's ( XXXX ) contribution. After I sent a message notifying Discover of the discrepancy I received a secure reply on the morning of XX/XX/XXXX stating that the contribution " would be reclassified and coded to the prior year in 2-4 days ''. However, 10 days went by without a response, and when I called the customer service number I was given conflicting replies that did not address the problem at all. I put all the detailed information in writing and mailed the letter and corresponding documentation to their customer service department by certified mail on XX/XX/XXXX and still have not received a response to such a simple matter. 
I am totally frustrated and can't comprehend or understand how the Discover bank can operate in such a manner. As they are an online bank they seem to just take in money but do not service clients and they have no branch locations so we have no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: Accelerated Receivables Management, Inc.
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company ACCELERATED RECEIVABLES started calling several times a day at both my work, my home and my cell number. Many times when attempting to call back would be greeted with a this number has been disconnected message. When I finally got ahold of the company they were stand offish and it was an argument to get them to admit who they were and what they wanted. They refused to confirm the debt. Per the law I asked for them to confirm the debt in writing, which they have never done. Now they have listed a substantial credit line report on my credit report without permission. And still have not verified the debt.

Company response to consumer: Untimely response
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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:
In accordance with the fair credit reporting act XXXX  Account # XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX Has violated my rights 15 USC 1681 section 602 A -states I have the right to privacy 15 USC 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 non-monetary relief
Consumer complaint received 2018-07-25
Company: Russell Collection Agency, 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 status incorrect

Complaint:
The Russell Collection Agency is reporting a collections account that has been included in my bankruptcy. They have two accounts on my credit reports : {$90.00} Opened XX/XX/XXXX ( 6 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX Closed No Info You could dispute an error with equifax SEE AN ERROR? 
If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

GO TO XXXX Creditor Information RUSSELL COLLECTION A G-XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$29.00} Highest Balance {$29.00} Opened XX/XX/XXXX ( 6 mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name XXXX XXXX XXXX Closed No Info You could dispute an error with equifax SEE AN ERROR? 
If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

GO TO XXXX Creditor Information RUSSELL COLLECTION A G-XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: AMERICAN EXPRESS COMPANY
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: Their investigation did not fix an error on your report

Complaint:
XXXX  has been non-compliant with removing the unverified account AMERICAN EXPRESS Date opened XX/XX/2006 which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that AMERICAN EXPRESS was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01
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:
I have contacted the credit reporting agencies about fraudulent accounts that have been opened in my name and I requested them to be removed from my file. The information is inaccurate and not valid, I needed to mail them current ID and mailing address along with fraud affidavit to support my concerns. They have not removed any negative inaccurate reporting nor have they removed any of the fraudulent accounts that I have reported to the agencies ( XXXX, XXXX, Equifax ). Since I have been disputing the inaccurate account, the bureaus have not sent me any credit reports nor have they followed the Fair Credit Reporting Act rules that are in place to protect the consumer. My rights are being violated my personal information has been compromised and I need to get the accurate information to be reported on my report. I am a victim of identity theft and I must have some valid proof from somewhere with a contract or a verified agreement that has my signature, I request this from the 3 credit agencies and they have not provided me with any documents to confirm any debt to be valid or connect to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Frost-Arnett Company
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a letter stating that I had unpaid debt from a 3rd party debt collector from a medical bill. The amount owed was {$46.00} from XXXX XXXX XXXX which was passed to Frost-Arnett, the debt collection agency. However, I had not known about this bill because I was not told about this payment due. So I contacted the company, the same day I got the letter, asking for verification and what had happened. I was told that in XXXX I was billed that amount. However, I remember that day and my doctor never told me about any bills to pay or I was never billed that amount. There was no phone call, email, or actual mail saying that I needed to pay. I even have voicemails going back to XXXX with no one contacting me. I lived in the same place from almost 7 months, until XXXX when I moved back to California, so I should have received a letter by that time. 
Until XXXX, when this letter came in. So I was really confused, and in that same phone call, asked them to send me an email confirmation the information needed. I made a follow up call after some thought to understand what would happen to me if I did not pay the bill or how to dispute the claim, then they hung up on me without giving any clear answers. 
However it has been 6 days since that day, today is XX/XX/XXXX. I understand there was a holiday in between and they may only respond during business days. But even excluding those, they had 2 days to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: American Credit Acceptance, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
XXXX was issued by XXXX XXXX which cancelled this debt. I also sent XXXX and revoked permission for transfer of securities and legal tender deposit to treasury direct account. However this loan debt is on my credit report and considered as fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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