BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-03
Company: Eagle Accounts Group, Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My divorce agreement was through the state of XXXX, there was never a child support order because we had shared custody ( the Custodial parent became nonexistent for 12 years! ) I had never seen nor did I sign the document they have, the order isn't even correct even if I had! Child goes to live with mother who lived in XXXX Unbeknownst that she was moving and I still dont know where nor seen or spoken to my child, I've been paying XXXX Child support and current but XXXX states I'm arrears {$28000.00} from XX/XX/XXXX to XX/XX/XXXX at 12 months that's {$2300.00} a month? I asked if there was a document my my Or a judge 's signature on it with their office the answer was no, Nor have I been to any Judiciary setting in XXXX before a judge! XXXX XXXX stated my child was not in state asst, that it was my obligation to support my child, I informed him that I am and that his information was incorrect, How can a person owe two states for one child? Being up to date and current in the state where ordered to pay and past due with outstanding for nonpayment with another? Still intercepting my tax returns and shows no record, also ruining my credit and crippling my employment with two financial institutions with no investigation and mindset " that I'm a XXXX Dad '', when I owe that State Nothing! What the two states have going is their deal but my end of it is confirmed current? My exwife has claimed my child since birth on her Taxes ( 15 yrs ) and was nonexistent for 12yrs, yes I turned her in to the IRS, but never paid for nothing and was shocked if he got a game for a birthday!

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 2020-04-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020 ( all 3 bureaus ) 60 days late as of XX/XX/2020 ( all 3 bureaus ) My accounts are set up on automatic withdraw. I believe I made my payment to you when I received my statements.

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 2018-11-21
Company: Experian Information Solutions Inc.
State: MI
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 an account with XXXX ( at the time it was called XXXX XXXX ). The account was opened XX/XX/XXXX. I defaulted in XX/XX/XXXX. The date of first delinquency is XX/XX/XXXX. XXXX began issuing, and the credit reporting companies began publishing, negative consumer reports reflecting this fact.

The FCRA allows for the publishing of consumer reports for 7 years. After 7 years, the consumer reports must be removed and no new consumer reports regarding the account may be published. In this case, consumer repeated was required to cease XX/XX/XXXX.

Despite being informed of this requirement and being asked to stop, XXXX has continued to issue illegal consumer reports on a monthly basis, most recently in XX/XX/XXXX.

I submitted complaints regarding these illegal consumer reports to Experian, XXXX, and XXXX. XXXX performed an investigation and resolved the issue and removed the illegal consumer reports. Experian and XXXX failed to resolve the issue. When I contacted Experian and XXXX, phone representatives admitted that there had been no legitimate investigation. The phone representatives admitted that their entire investigation had consisted of asking XXXX if the information was correct and then accepting their answer without any analysis. The Experian phone representative even admitted that he had not, and that he could not, view the documentation that I provided with my complaint.

When speaking with Experian and XXXX regarding their failure to properly investigate the complaint or remove the illegal consumer reports, the phone representatives refused to correct the error and instead said that the only recourse was submitting another complaint in the hopes that the next person to perform the investigation would actually do it.

There have now been three mock investigations performed by Experian and XXXX. To date, both credit reporting companies have refused to properly investigate the complaint or remove the illegal consumer reports. Every time I contact them, I am recited lines from the same script by phone representatives that do not understand the complaint. This process has been exceptionally frustrating.

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 2017-06-12
Company: Northstar Location Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A woman keeps calling saying she is a representative for  XXXX  and Northstar. She says she is calling in regards to a matter between my wife and her stepfather.     She asks for my address, my wife 's phone number, and her social.     I keep asking what this is about, and the lady tells me if I give her the before mentioned information she will then and only then let me know. The lady is very aggressive in trying to get the information from me. She has called repeatedly and I have asked for them to stop.     I keep explaining that I am not comfortable giving personal information over the phone.     The last call the lady got very angry with me and was close to yelling and threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
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:
In XX/XX/XXXX I settled and closed a credit card with XXXX XXXX   that had a high balance of {$1600.00}. Subsequent to accepting a settlement offer XXXX has been and continues to report a high balance of {$13000.00}. Obviously since this is 12 times the original high balance it is a HUGE negative on my credit reports with all 3 companies ( XXXX, XXXX  & Equifax ). I have disputed this many times, sent in copy of the last statement and called to no avail. HELP!! it is just wrong that XXXX is doing this and need your kind assistance to get it corrected. 

Am attaching a copy of the last XXXX statement upon which a settlement was negotiated and also a copy of XXXX dispute results from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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, Account XXXX and Account XXXX have violated my rights XXXX5 U.S.C 1881 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also Staes a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore all of the listed accounts have since been settled by being paid in full yet still are marked derogatory and other listings that negatively affect my standings with the credit bureaus.

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 2022-08-26
Company: GUARANTEED RATE INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I closed with Guaranteed Rates for a XXXX mortgage on a single family home with my business partner XXXX XXXX, we were joint tenants. I paid the down-payment and the closing costs. There were several deficits with this mortgage. 
XXXX. Guaranteed Rates issued a three party check to XXXX XXXX and XXXX XXXX, my partner XXXX XXXX and myself, XXXX XXXX. The check was cashed without my endorsement. When I contacted XXXX XXXX the Escrow Dept. Manager and XXXX XXXX, there was the perception they were not going to help me. 
XXXX XXXX after cashing the check without My endorsement disappeared without doing any work on the house. Even though XXXX XXXX was aware of what happened back in XXXX, she did not correct this matter. 
XXXX. Even though XXXX XXXX and I were joint tenants on the mortgage, MY NAME WAS LEFT OFF THE POLICY. I was not aware of this until XX/XX/XXXX. I was totally ignored in XX/XX/XXXX when I contacted XXXX XXXX and also when I contacted The Money Source. I paid for this policy with the down-payment. 
XXXX. Funds required that both XXXX XXXX and I signed for the XXXX distributions but XXXX XXXX only delt with XXXX XXXX, it wasn't until all choas broke loose and I was threatened with a mechanic 's lien and a death threat from XXXX XXXX that I demanded what was going on from Guaranteed Rates and XXXX XXXX gave me her information. But if honor was given to me in the first place the funds would not have been squandered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
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: Was not notified of investigation status or results

Complaint:
Good Afternoon, On several Ocassions I have notified Equifax to remove unauthorized credit inquires from my credit report and they are the worse credit bureau ever. They always hang up the phone when you call them, they refuse to help you, they never ever respond to any mail that you send them. I understand that we are all going through a crisis right now and more than ever these credit reporting agencies need to be trying to help people instead of hurting them even more. I pray that you all have them to remove these erroneous inquires from my credit report today. Thank You, XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Experian Information Solutions 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:
Experian is reporting inaccurate of information and refusing to change it. I called them 7 times to get them to remove it and they refuse to do so. In fact I spoke with a rep names XXXX and he was rude and refused to let me speak with a supervisor. Also they get there info from consumer agencies not the actual court. The are reporting 4 bankruptcies and I don't have any. The other reporting agencies have removed them. Experian is the only reporting agency refusing to removed them. Please help me get this done the are violating my rights.XXXX also told me the CFPB cant make them do anything.

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 2022-08-26
Company: Experian Information Solutions Inc.
State: OH
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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 2022-08-26
Company: EQUIFAX, INC.
State: OH
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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Experian Information Solutions Inc.
State: VA
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:
Today XX/XX/2018 I attempted to contact a human being at Experian and as in the past I was unsuccessful, even though I spent several hours in the attempt! My reason was according to a written communication I received from Experian I had requested a fraud alert. No such request was made! My information is supposed to be frozen. 


I used several sources from the Internet to attempt by virtue of multiple telephone numbers. In addition I contacted XXXX to insure my credit freeze still existed in their records and found it had been supplanted by a fraud alert issued by Experian. Additionally I contacted XXXX  and found that the fraud alert had been placed by Experian on my account there as well, but I did find that the freeze remained in place. 


I am not happy with any service I have ever requested from Experian! I would like my record expunged from these people as I believe they are not capable of securing my information! Is that possible, and can you tell me how to accomplish the task?

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 2022-08-26
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Wrong person this bankruptcy doesnt belong to me and I would like it removed

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 2017-06-12
Company: Trident Asset Management, L.L.C.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never informed that this alleged debt was being reported on my files nor was i informed that I owed this debt or that a collection agency was going to be claiming that I owed this debt! I do not owe this money and this is to be removed from my report within 30 days! According to the FCRA I was to be notified that there was a balance and informed that this agency would be collecting a debt from me! I was never NEVER informed of this debt so in accordance with FCRA This is not a valid report and is illegal to report this to any agency! If it is not removed from my file I will file a lawsuit in regards to A FCRA violation!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: OLD NATIONAL BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Old National Bank sent out two checks in my name AFTER my account was closed. They conveniently stated that the transaction occurred the day my account was closed. The checks were dated for 7 days after my account was closed. Checks were for {$100.00} and {$300.00}. Now recipients of said checks are being charged fees for return check fees. 
ONB just made excuses to fit their narrative

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 2019-09-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Purchased a used XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX, XXXX, GA. 
Selling price XXXX I put a down payment of {$2000.00} towards the car.. I can not see where I was credited for this amount. I thought this would have been deducted from the selling price before all the extra charges were added. It was not done that way. So when they added on the extra charges, plus finance charge of {$4600.00} amt financed is {$16.00}. Finance rate 7 % My mother and I thought they would have deducted {$2000.00} from selling price XXXX + tax, reducing price to {$10.00}, before adding on the extra charges. So I took the car back 2 or 3 days later, spoke to manager told him I can not afford car. They can not cancel loan. But offered to buy back car, and appraised it for {$11.00}, told me can not return my {$2000.00} down payment. 

So now I am stuck with a loan of 75 payments at {$280.00} monthly, I can not afford from a monthly XXXX income of $ XXXX monthly. Please help me understand this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Recently, and for what seems to be no discernable reason, there was a 59 point drop in my credit score. I inquired the company, and they could not explain the justification. When working with their representative, he even noted that there was no discernable reason for such a drastic drop. While refreshing the credit report, it dropped another 4 points, again based on no significant change in the reported information. The use of arbitrary factors, in which consumers have no visibility on in which to relay a significant credit risk to creditors that the consumer can not reasonable discern is punitive in nature and violates the expected transparency of the financial and credit industries. Experian continues to downgrade my score with no discernable causation within my credit history. A complaint was filed with Experian, complaint number XXXX. There has been no action on the complaint.

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 2019-11-27
Company: AMERICAN EXPRESS COMPANY
State: IL
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 checked my credit using XXXX on XX/XX/XXXX and noticed that there were opened and closed accounts, collections, and inquiries on my credit profile that I did not authorize and have no knowledge of how they got there. 

XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$9900.00} XXXX Card Acct # XXXX opened : XX/XX/XXXX Balance : {$4700.00} XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Acct # XXXX opened : XXXX XXXX Balance : {$0.00} XXXX XXXX  Acct # XXXX opened : XX/XX/XXXX Balance : {$800.00} XXXX XXXX  Acct # XXXX opened : XX/XX/XXXX Balance : {$9600.00} XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$10000.00} XXXX/XXXX  Acct # XXXX opened : XX/XX/XXXX Balance : {$4400.00} XXXX XXXX Acct # XXXX opened : XXXX XXXX Balance : {$2500.00} XXXX/XXXX  Acct # XXXX opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX   Acct # XXXX opened : XX/XX/XXXX Balance : {$800.00} Illinois XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$930.00} XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX/ XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX XXXX : {$1000.00} XXXX  XXXX XXXX XXXX Acct XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation