BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: MD
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:
Please remove these negative items from my reports it has been months and I have disputed these items multiple times and have not received any notice or anything it has been more then thirty days and I have been harassed from creditors and regards to debts that are inaccurate please look into this matter immediately I have did some research and there are clear violations from the fcra and fdcpa

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Experian Information Solutions Inc.
State: FL
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 provided proof to Experian that a debt collection agency who purchased Credit Card debt, XXXX XXXX XXXX, is using the tactic of illegally re-aging debt so that it will appear on my credit report longer than seven years past the the initial 30-day late payment of the debt. The debt should no longer be reflected on my credit report, but the debt collector has reported false dates in order to retain the debt on my credit report past the legal statute. The credit agency, Experian, did not sufficiently investigate my claim of innacutare 1st delinquency dates on the original debt, and will not re-open the investigation, although I have provided proof that the debt collector / debt buyer is reporting false dates.

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 2020-06-05
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: Account information incorrect

Complaint:
There is inaccurate, misleading, incorrect, out of compliance information on my report I have no knowledge of.

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 2021-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I submitted all requested documents to open an estate account under my father 's, the deceased, name. Despite notifying them that not only was I counting on these accounts to pay for food, gas and other essentials, Bank of America continued to take a hard line and are still keeping the money in my father 's accounts from me. 

Three days later, I called Bank of America again at one of their corporate offices, they claimed to not have one of the documents I provided in person, on Monday, the morning of XX/XX/2021. On Monday, the banker at Bank of America claimed it was too much money to open so soon. One of the accounts had only {$1000.00} in it. Bank of America then claimed they had to open them all at the same time, today on the phone, Friday XX/XX/2021. 

The banker at Bank of America at XXXX XXXX, told me it would take a week to set up an estate account. At XXXX XXXX XXXX, they were ready right away and they were surprised it took so long to approve the transfer of my father 's bank accounts into an estate account. They said they could approve withdraws numbering the amount in each of the three bank accounts and the two CD 's, either separately or all at once. 

Therefore, I provided all required documents and Bank of America would not comply promptly in either opening an estate account under my father 's name with me as the executor of the account or in allowing me to open an estate account at another bank. I do need the money for gas, and other essentials. The will has been probated and I am approved as personal representative as of XX/XX/2021, yet Bank of America not only continues to not approve the opening of an estate account under my father 's name, but will not show any compassion and open one of the smaller accounts and CD 's so I won't starve, be stranded or be without other essentials.

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 2020-10-10
Company: The CBE Group, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am current with my bill with XXXX. I got an alert on my credit saying I'm derogatory on 120 with them on the remarks it says natural disaster. I been with this company for awhile years. I call billing. I asked why was I receiving a credit alert that I'm derogatory. What do I owe the representative say for some old equipment. I asked what kind of equipment he say internet and a modem. I say I have the same internet and modem since I been with you all. Why I'm getting charged for equipment that I'm using. I had no reason to turn it in. On my credit report you put that I'm late paying for it. I asked why all of a sudden I'm getting charged for something all the way from XX/XX/2020. You all say the equipment been missing from years and years ago. I call again yesterday the representative said it should of been resolved and she apologize. This affected my credit to drop tremendously. I was in the middle of the house buying process. I now have to wait until all this off my credit. It has set me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Online Security Freeze with Experian - repeated efforts fail for myself, my husband and I even had my kids try. The only alternative is to mail then detailed financial information, drivers license copy etc. that I would NOT want to send via mail. I believe that they intentionally make it impossible to put a freeze on easily to circumvent the law and push folks to use the paid credit lock service. Please investigate and see if you can even put a freeze on an account and you will see what i mean.

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 2019-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I don't have an employer and I've asked the TransUnion, XXXX credit reporting company to leave that space blank and they have ignored me. 

The employer status has been reported for over 10 years to date by Transunion, XXXX. XXXX finally removed the employer status and post office box from my report this week. 

I requested for my telephone number to be removed from my credit file reported by XXXX and any other credit reporting companies that are reporting in my name. 

Experian is reporting a post office box for my address which the mail is undeliverable and belongs to someone else. 

I've asked them not report any variations of my name only report my first and last name. 

Also, I requested to not report my social security number and birth date on my report they ignored that too. 

I requested my free credit score from them but I was told I had to pay for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: DISCOVER BANK
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: NC
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 don't see how many hard inquiries on my credit report from Experian is wrong on these hard inquiries XXXX XXXX XXXX XXXX place I have called both of them send mail letters that they did not do it Experian.XXXX when when XXXX how to siad it would be no hard inquiries for to check i keep getting. I no know my credit is the only thing I have now because I don't have a job I did own a XXXX  XXXX  but with this coivd 19 it just took everything I have ever lille thing i have lost XXXX  XXXX  my home my car everything I just need this on my credit report at all i tell need help with this because I don't have a XXXX XXXX  account at allI

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 2021-08-20
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: Account information incorrect

Complaint:
I recently reviewed a copy of my credit report and i've noticed an error/violation that is making me extremely upset. I am aware that information thats furnished on my credit report must be 100 % accurate with no exceptions. By the provisions of the Fair Credit Reporting Act, I am demanding that this company cooperate with me on this, and this account is updated to reflect what's required by law. 

-This is a FDCPA false misreporting violation. Update this account to paid current as agreed. I was never late on this account, this is a violation to my rights as a consumer. Update this account to paid on time immediately as stated in the CARES act. 

XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Back in XX/XX/2020 I sent a certified letter to XXXX, XXXX, and TransUnion regarding incorrect, accounts that they are reporting in my credit report. This also included over 15 addresses and multiple incorrect versions of my name, phone numbers, and employment information. 
I asked that the personal information gets deleted as they are outdated and no longer applicable to my current status and for fear of identity theft, asked that the information should be deleted, which they have not deleted per the most updated credit reports that I have received in XXXX. 
There were several accounts that reports as charged off and or in collections, and for each of the credit bureaus, the information across all three has not been reporting correctly, in the amount of the debt, date of last activity, and many other areas that is reporting incorrectly. I sent letters requesting that these information is disputed and requested that upon the outcome of their investigation that I receive updated credit reports, and method of investigation process none of this has been done. 
Responses from the bureaus are that the items are verified and remains, I sent follow up letters asking for the methods of verification, and received again that the accounts are verified and or updated. 
During said process I have sent certified letters to the collection company 's and have got back responses that they either do not have documents and are contacting the original creditor and or asking me to provide them with documentation to support my request for them to validate the debt. 
it is now XX/XX/2020 and I have not gotten any results from the credit bureaus and or collection companies. 
Please help me in getting closure and or results from these companies XXXX, XXXX, Transunion ( XXXX XXXX XXXX-XXXX XXXX ), XXXX XXXX ) ( XXXX-XXXX XXXX XXXX ) ( XXXX XXXX-XXXX XXXX XXXX ) Thanking you in advance

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 2018-04-17
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Corrupt company. violates all sorts of laws. They filed lawsuit against me but I was never served. Thus they obtained defaulted judgement against me. Garnished my wages .I Filed claim of exemption. judge granted it due to low wages. They disregarded the court order and took 25 % of wages anyway. Then went through another county to do it and claim I switched employers which is not the case. A $ XXXX debt turned to $ XXXX the debt is over 13 years old now they renewd judgement. Help! May have to file bankruptcy. They damage everbody.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: VA
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:
I have previously filed a complaint against XXXX and the other bureaus for REDLINING my credit. My credit has not been reevaluated by the companies in over 2 months. I continue to see a score decrease or no change at all from XXXX. Most recently I have had success removing a high balance of {XXXX} down to {XXXX} on XX/XX/2022. XXXX is stating that the collection is only showing a balance of {XXXX} and no previous high balance. Which means that there was no change to the collection account when there actually was a signifigant change. The remaining {XXXX} is set to be romoved by XXXX XXXX XXXX once the State of Maryland updates. I have no other collection accounts on any of my reports. I have continued to be REDLINED by these bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I, XXXX XXXX, am a consumer of the United States and anything purchased with my credit card remains the obligation of the United States pursuant XXXX XXXX XXXX. I the consumer never gave XXXX XXXX XXXX XXXX any written consent to report anything on my consumer report which is a direct violation of XXXX XXXX XXXX ( XXXX ). XXXX XXXX XXXX XXXX has used abusive practices violating my privacy pursuant XXXX XXXX XXXX ( a ). XXXX XXXX XXXX XXXX has abused me by harming my consumer reputation, poorly affecting my credit score and worthiness and harming the chances of me purchasing a home. Pursuant FCRA XXXX XXXX XXXX ( XXXX ). XXXX XXXX used profane language in my consumer report pursuant XXXX XXXX XXXX ( XXXX ). XXXX XXXX has repeatedly knowing and willfully violated my consumer rights protected by FDCPA XXXX FCRA. You will be held criminally liable pursuant XXXX XXXX XXXX and civilly liable for all violations XXXX XXXX XXXX. Attached to this letter is labeled as Exhibit A shows proof of these violations. Also attached is an invoice for violating my federally protected consumer rights which is to be paid by check. Also as my remedy I demand reversal of late payments from all my consumer reports, from all consumer reporting agencies and an increased credit limit of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: Radius Global Solutions LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020, I XXXX XXXX called XXXX department stores to settle a charged off debt with XXXX. I spoke to an employee that worked with XXXX named XXXX and tried to settle the debt, but XXXX told me that the account was no longer with XXXX and gave me the phone number to Radius Global Solutions at : XXXX. I called Radius Global solutions and spoke with a collections agent there. I explained to her that I had spoken to an agent ( XXXX ) that worked at XXXX I was referred to their agency to settle a charged off account. The agent at radius Global Solutions collected some identifiable information from me and located my account. We made a verbal and recorded agreement to settle the account for 2 payments @ {$780.00} which the first payment was agreed to be debited on XX/XX/2020, and the final payment would be debited on XX/XX/2020. The first payment of {$780.00} was debited from my checking account as agreed. After Radius Global Solutions collected the first payment, i received a letter from XXXX, stating that I owed them an additional {$1800.00} for the same account that Radius had settled with me. Then on XX/XX/XXXX the final payment of {$780.00} had not been debited. I waited a few days and called radius to remind them to collect the final payment and the agent told me that XXXX had taken the account back. and i needed to call them. When i called XXXX, the agent denied the statement that was given by Radius Global Solutions. Then she tried to direct me to another collection agency called XXXX XXXX. I stated that i had already agreed to a settlement with the Radius Global Solutions LLC, whom XXXX sent me to in the beginning and they broke the agreement they made. I will not make any further agreements with another company. I feel that Radius Global Solutions, XXXX and XXXX are running fraudulent scams and i want them to remove this from my credit report.

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 2018-04-17
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had federal loans serviced by XXXX which are ten years into repayment. I was told I would qualify for the PSLF plan and to contact XXXX XXXX. I did, and was notified that my loans and employer qualified and my loans were being transferred to XXXX XXXX. Three weeks ago I received an email stating I was given incorrect information and that my 8 years of payments with a qualifying employer would not count and I have to switch my payment plan. This new plan made my payments go from {$480.00} a month to {$1100.00} a month. Clearly if I could afford this payment, I wouldn't need loan forgiveness. They would also be paid off within ten years, making the program benefits pointless. Without any notice, I received a letter today saying they decided my payments- without changing payment plans- would go from {$480.00} to almost {$700.00}. I never even requested this or had any input. I've been on hold almost an hour and spoken to representatives who state they are " unable to help me ''. As a government entity, this company is an embarrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
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: Account information incorrect

Complaint:
I have written Equifax on numerous occasions in reference to reporting inaccurate information. I was never late for payment with XXXX XXXX, I have never been late on my XXXX  XXXX account opened XX/XX/2016. I have never been late for payments on my XXXX/XXXX  account. I do not have a written contract/agreement with XXXX XXXX XXXX that states I owe {$330.00}, I also do not have a written contract/agreement with XXXX  XXXX, XXXX that states I owe XXXX which is inaccurate. XXXX XXXX XXXX inaccurate balance of XXXX the correct balance is {$0.00} and There is inaccurate balance of XXXX for XXXX the correct balance is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
True Accord reached out by email to pay a debt from XXXX. I paid this in full XX/XX/2020 but til today, this debt has not been report back to XXXX as paid in full ( {$110.00} XXXX. 
I reach XXXX and was told no reports/updates. 
This is the 2nd request XXXX is reaching out to provide paid off. 
I emailed them today requesting update or will file consumer report. 
But after consideration, this is not acceptable as it is not 3  months aging but over 6+ months of NOT reporting this back.

Company response to consumer: Closed with explanation