BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-07
Company: Experian Information Solutions 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:
I just recently examined my credit report and have noticed some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

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 2022-08-12
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:
Reporting company Equifax has recently been subjugated to mass headlines for data breaches and incorrectly reporting consumer information. I feel that I have been a recent victim of such activity, and as a result have fraudulent entries reporting on my credit profile that I would like to have removed immediately. The entry displays as the following Account : XXXX XXXX XXXX XXXX Open Balance : {$3500.00} Opened : XXXX XXXX, XXXX Type : No info

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
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:
Equifax is doing their normal delay tactic. You all know the current administration is stopping you from investigating XXXX Loans and their servicers. I'm currently in the process of the disputing the validation and verification of debt with XXXX and XXXX. I sent in paperwork in to the CFPB describing my request. Please see my history. 

After XXXX and XXXX did not provide me with the request XXXX Note for the loans ; in addition, to certified documents of calculations stamped by a notary. I sent mail to the credit agencies to remove this information off my credit report. I sent Equifax, XXXX, and XXXX the entire paper trail of when the I requested this information from XXXX and XXXX. 

The paper trail consisted of certified mail letters that started on XX/XX/XXXX. This information was sent directly with XXXX and XXXX. Now the credit agencies would get a verification that really never takes and say contact XXXX and XXXX directly, so I did that first then provide the credit agencies with the paper trail along with certified letter numbers : Equifax : XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Here is the confusing part. I CURRENT USE EQUIFAX MONITORING SYSTEM to monitor my credit report. However, once I sent in this information to remove these loan off my credit report, now they can not locate my credit file ... My use name in there I system XXXX and the pull report at lease twice a month. I have attached the delay letter they sent me and I will attach a copy of my credit report Equifax. 

Here is a suggestion, if you are having issues with getting information from the Department of Education then I believe you hold the credit agencies liable for publishing this falsified information from XXXX XXXX XXXX especially after the have been provide all of the paperwork of communication directly with the servicer and the servicer has not delivered on within the time frame and provide false document mentation. 

Please the letter Equifax sent talking about they can not locate a credit file within there system with information I sent in regards to name and address ; however, you see on the Equifax report SHOWS MY NAME THE EXACT SAME ON THE CREDIT REPORT FROM THE THEIR SITE ALONG WITH THE ADDRESS ... Please investigate them ASAP. Again have attached my report Equifax along with mail I received from them stating they could not find my file. 

Also, see the last complaint I made to the CFPB about XXXX and XXXX. The history of communication is on the site. I do not have agreement with XXXX or XXXX, so please remove the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: MO
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 previously submitted several complaints with each bureau due to their lack of investigation or none AT ALL. At this point each bureau is in extreme violation and I am keeping stellar record of this and will be taking legal action if not resolved with a consumer attorney. Please refer to the previous disputes filed under complaint number XXXX XXXX XXXX XXXX XXXX XXXX XXXX smart sales and XXXX XXXX and XXXX is reporting different last active dates which is causing this account to re-age and this is a major violation and its being ignored. This needs to be removed immediately. 

XXXX or XXXX XXXX has not even been investigated AT ALL removed this are face legal action. Remove immediately. 

Please consider this my written authorization and attached is proof of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Alliance Collection Agencies, Inc.
State: WI
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:
Alliance Collection Agency received a bill to collect on me, which was {$1500.00} at the time, from my dr. /hospital. and they contacted me and tried to get me to pay them an amount I couldn't afford. Instead, I pay a smaller amount every month to them. The bill they send me is for the full amount every month since. I was notified the other day that Alliance took the {$1500.00} bill and broke it up into 7 smaller bills and reported them all to my credit report with the same dates of service, in otherwords, the same bill they send me every month with the full amount. They are sending little bills to the reporting agency and a huge bill to me. How shady is that? Is this even legal? Why would they do this to me. I might not be paying the huge amount they wanted, but I am paying what I can each month. Why would they do this to someone just to ruin their credit? What can be done? Please help.

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 2021-09-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Incorrect information has been reported. 
Attached affidavit support my claims All debts are prepaid 31 U.S. Code 3123. Payment of obligations and interest on the public debt Its been over 30 days. 

Hjr 192 public law 73-10 Title 15 1692 E

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Statebridge Company
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: Account status incorrect

Complaint:
Unfortunately, I had a financial crisis in 2016 which led to a vehicle repossession. Since that time, the finance company has continued to report that my loan is active and past due, despite the fact that they repossessed the vehicle nearly two years ago. Despite the fact that the account is closed, and no payments have been made since 2016, this finance company continues to report the account as active and past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Clark County Collection Service
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collections report was added to both XXXX  and XXXX credit reporting agencies on XX/XX/2020. This report does NOT belong to me. It is from cLark County Collection Services for XXXX XXXX. I have never lived in or resided in Nevada nor have I ever had an Nevada identification to open up any accounts out there. I have been a resident of Tennessee for the last 9 years in which this debt has taken place. This isnt my account. I have no state of Nevada identification to open such an account. Credit reports and background checks do not show any residence or identification in the state of Nevada. This is NOT my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
After watching several videos of XXXX XXXX disagreements with the credit reporting agencies I started reviewing my credit reports. I noticed an inaccurate reporting in a repossession ive been disputing these XXXX XXXX XXXX account with all three credit bureaus for months. All three of them are saying the company has verified the account and it is accurate!!! I have SOLID proof that the credit bureaus are not investigating my concerns, in fact they are constantly bouncing the balance around from {$5700.00} and {$5600.00}. XXXX XXXX says sent me a print out that said the balance was {$6000.00}. What is the correct balance? 
If I am not mistaken the FCRA says you have a duty to investigate. The XXXX Circuit has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency ( CRA ) counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The XXXX Circuit explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. 

This account is INACCURATE, not in compliance and a CLEAR violation of my rights!!! Please see screenshots 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 explanation
Consumer complaint received 2019-05-21
Company: FIRST ADVANTAGE CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently applied for an apartment through the XXXX XXXX housing Authority and was denied due to an eviction. However I had this particular judgment removed off of my credit reports almost 4 years ago due to inaccuracies in the amounts and also spelling of the names. I contacted the XXXX superior courthouse to get all of the information to take care of this judgment so I can provide a roof over my childrens heads and they gave me the information for the account holder which is the eviction center who represented the previous landlord and this landlord is no longer a client with them and they have no way to contact him since he owes the company money. I have the emails from the eviction center stating they have no contact with him and have not been able to forward my information to him. Please help me figure this out Im going to end up homeless with my XXXX kids and Im a single parent. Thank you and XXXX bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Experian Information Solutions Inc.
State: GA
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 applied for a car loan once and I have to hard inquires on my credit that is affecting my credit score. please remove one of the inquires a credit report is good for 45 days. As I was declined anyway.

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 2019-06-12
Company: EQUIFAX, INC.
State: GA
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 applied for a car loan once and I have to hard inquires on my credit that is affecting my credit score. please remove one of the inquires a credit report is good for 45 days. As I was declined anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I submitted a credit dispute through XXXX due to duplicate billing in XX/XX/XXXX. When we called Chase auto in XX/XX/XXXX the reps said it was paid up to date but then we received calls from delinquent accounts reps due to the account being past due.

In XX/XX/XXXX Chase denied my request to investigate and restore the good credit reporting. The auto loan is now paid in full and I wold like further investigation due to the duplicate billing in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid my balance in full with the credit card company back on XX/XX/20 of@XXXX. I am now getting charged interest of {$7.00}. I don't understand where they think I owe this money. I paid my balance over a month ago and they want me to pay interest charges due in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-21
Company: Northwood Asset Management Group
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is harassing my father with calls to contact me even though they have my number. My father has XXXX and is tired of them calling his phone. I have told them repeatedly to not call. I don't even know how they got his number as I didn't use him as a reference and didn't list him as a co-signor. I want to verify how they got his personal information as it is now a privacy concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2019, I deposited a check from XXXX XXXX  XXXX XXXX and XXXX XXXX, in the amount of {$470.00} into my local bank at the ATM ( bank of America ). Then when I received my monthly bank statement., that deposit was not listed, so I called the bank and they credited my account for the above amount. I was notified on XX/XX/XXXX by mail that they had indeed credited my account, but were investigating the issue. On XX/XX/XXXX they said in a letter that they had found the original transaction that was referenced, but they were unable to find my check. As a result they reversed the credit to my account, and stated that the dispute was resolved. My next step was to contact the business that issued me the check ( XXXX XXXX XXXX ) and they sent me a copy of the cashed check on XXXX so I provided a copy to Bof A claim department in Arizona. I heard nothing from them so I called on XXXX and they said the issue has been resolved and to contact some fraud company. Obviously that is unfair to just say that it's my loss when the bank is responsible. Here is the claim number for the bank XXXX from Bank of America There is no local branch office to go inside to make transactions in the city where I live, and that is why I use the ATM in the first place.

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 2019-10-09
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear Madam or Sir, Here is my problem in few bullet points : 1. I have a CITI VISA credit card ( obtained through Costco ). 
2. I am a XXXX XXXX employee stationed in XXXX, MD with the XXXX/XXXX 3. Our travel policy requires that we make our own hotel arrangements to be reimbursed later after travel 4. I have made a hotel reservation in XX/XX/XXXX to attend a scientific conference end of XX/XX/XXXX as part of my official duties. Check-in XX/XX/XXXX and Checkout XX/XX/XXXX, XXXX XXXX MA. I got to purchase from " XXXX XXXX XXXX '' from the link provided by XXXX. I paid {$1000.00} with my CITI Visa Costco card 5. In the week preceding my travel, I learned from the hotel that my reservation was cancelled by the Travel agency - because of bankruptcy. 
" XXXX XXXX XXXX '' has toll-free and non toll-free numbers that now do not answer. 
XXXX now answers as a voucher company, aways with a message " you have reached us after hours '', even if you call all day hours on a business day. Same for XXXX 6. I filed a complaint by phone with CITI in early XX/XX/XXXX, and they reimbursed the {$1000.00} in XX/XX/XXXX 7. Upon checking my CITI Visa Costco card statement this XXXX, the charge has been re-instated. When I called, I was told that I did not respond to their request for more paperwork. I asked whether it was sent by mail, email, They told me that it was online as I opted for paperless statements. 
8. I always check my account online. The website design and they communication is to blame for me not seeing their message : 9. With all other banks, when they communicate paperless with their customers, they have two options CITI paperless does not have : a. when you log-in to other banks, if they send you a message, you will see an alert ( usually on top of the pages alerting you that you have 1, 2 or  several messages you need to attend to. CITI does not display any alert on the webpage once you log-in b. when other banks send you a message, not only they have an alert with the number of messages you need to attend to, they also send you an electronic communication in the form of an email. CITI did not do that. 

10. The two points a & b made me miss their request for more information 11.  Other banks, have also a third option ( That CITI did not also use ), which is simply to send a paper mail, because of the unusual transaction that would need attention by the consumer. 
12. I called Costco, they referred me to CITI for complaint. 
13. I called CITI, they referred me to VISA for complaint 14. I called VISA, they referred me back to the Bankrupt travel agency .... 

15. I need your help Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, MD

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
XXXX XXXX has reported incorrect and unverified information to all three credit agencies. They claimed that this information was verified by the bankruptcy court. I requested the information of the individual persons name and contact information who verified this information. I have submitted this in affidavit form in which I have not gotten a response. I did submit an affidavit to the bankruptcy court in which they replied that they don't verify information with no third party companies. Basically XXXX XXXX take upon them selves to search public records to provide this information which could and could not be accurate. Everything on public record is not accurate and error are made all time and never corrected. This seem to be something XXXX XXXX is doing strictly for monetary gains no matter how it hurts the individual. The credit agencies is reporting this information with out 100 % verification only what another third party is telling them what they claim to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: KEYCORP
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XXXX has XXXX XXXX which allows us to add on our utility bills to our credit and increase our credit. I called them Numerous times to find out why my bank isnt working. They said to contact the bank and theyve said its On XXXX side Ive been very patient and asked numerous time to no avail. I want this fixed

Company response to consumer: Closed with explanation