BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-19
Company: EQUIFAX, 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:
The credit reporting agency equifax will not provide a copy of my credit report. They are indicating that my information is not the same as theirs and this is true. Equifax has a mortgage with several companies asking which company I hold the mortgage with, they also have another question asking how much i pay for said mortgage. I do not have a mortgage and have no mortgage payments so I check none of the above. Equifax also asks a question about a truck with several options asking what bank I bought the truck from as well as the payments again I do not own a truck and checked none of the above. Equifax denied my request for a credit report stating it was not me as the information they have is different than I have indicated. I have made many attempts to get a credit report and fix the error including sending it through the mail and contacting many different people who handle disputes from the company I have been unsuccessful as they still say my information is different than theirs. They have ruined my credit so bad I cant even buy oil to keep my house warm. My daughter died several months ago and I have XXXX grandchildren to try and keep warm I have also had to dispute credit mistakes with the other credit companies but they sent the report and are investigating the disputes. I need to get this corrected asap as I can not get oil or any credit to get my grandchildren out of the house where their mother died. Thankyou XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The XXXX company contacted me at my job and made repeated calls from XXXX - XXXX on a two hour cycle. The phone calls began XXXX XXXX, XXXX and are still occurring today. XXXX calls my office phone literally every two hours every day averaging six calls within one day and they do this Monday - Friday. I asked them not to contact me at work but to use my cell phone number that they have on file and on record and they never honored this request, which means I can not make payment arrangements because I am not in a position to discuss my financial affairs at work. In addition, I never received a written letter that FAMS now had the account that was originally at XXXX and I already had a payment plan/arrangement established with that company. Had I received a written letter I would have contacted XXXX and made arrangements. I still have not received a written letter outlining who I should call, the company details and how much I supposed owe. I was never notified in writing or otherwise that the account was no longer with XXXX. XXXX never had my work phone number they always contacted me via my cell phone number on 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 explanation
Consumer complaint received 2017-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Hello, I am writing in regards to an old credit card account I had with Bank of America. I held a credit card with BOA which was opened in XXXX of XXXX, then closed in XXXX of XXXX. This account I held in good standings and was never late on a credit card payment. 
The account was closed due having to file a chapter 7 bankruptcy on XXXX XXXX, XXXX. The account was closed and I received a discharge in bankruptcy on XXXX/XXXX/XXXX. 
This account was included in the chapter 7, and discharged along with other debt. All of my credit reports list my public record and reporting of the chapter 7 discharge. 
I actually had asked my attorney if I could keep this card open to rebuild my credit but was told I could not, and that it had to be included, as all outstanding debt needed to be. I wanted to keep this card as I had never been late, nor ever missed a payment on this account. I only know the last four numbers of the BOA acct were XXXX. I have done very well since my chapter 7 and have a 100 % payment history. 
This account is still being listed in my XXXX XXXXnd my XXXX credit reports. I have filed numerous disputes and have received no deletion of these reporting. They have also continued to update the accounts at last XXXX. They do not report anything about this account as far as my payment history which was perfect. It is listed as to just harass. I have gone to BOA directly and the bureaus regarding this issue and nothing has been done. 
As stated this account was included in on my discharge. When you decide to file a bankruptcy it is a devastating report to your credit file in and of its own that lasts 7-10 years. This is the price you pay for what was done and is stiff enough penalty on its own however, BOA has reported on this account as recently as XXXX and it is a violation of my discharge injection to report again on debt discharged in Bankruptcy. This account also because not removed from my report lists as a separate " NEGATIVE '' item, along with the bankruptcy therefore I am being penalized twice for this account. 
Can you please help me? As I stated I have disputed with the bureau and with BOA so I am not sure how to get this error removed. 

Thank you XXXX 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 explanation
Consumer complaint received 2017-11-25
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: Account information incorrect

Complaint:
My Equifax report has a late payment corresponding to account XXXX XXXX XXXX XXXX XXXX, Account Number XXXX that to the best of my knowledge is incorrect and has affected my relationship with creditors. 

The credit report states under Account History with Status Code 1 ( 30-59 Days past due ) XX/2015 but it does not show the information corresponding to that month. The missing information makes it impossible for me as a consumer to verify and correct along with the creditor the error of said reporting. Attached is a copy of my Equifax report so this can be verified. 

For this reason and for the negative it has had on my relationship with creditors causing irreparable damage I demand this incorrectly reported item ( Status Code 1 ) be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
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 was charged an interest fee on one of my credit cards after I had paid the balance on that card in full, well before the payment due date. The terms for this credit card simply and clearly state that interest will not accrue for at least 25 days after the date of any charges being made on the card if they have not been paid in full. Having paid the balance in full well before the payment due date, there was no interest to accrue, and leave an interest charge, I called the customer service for my bank ( BOA ) and told them I did n't recognize the charge, and had paid my credit card in full well before the payment due date, and the customer service representative told me that they had reversed the charge on my account. Nevertheless, this should not have happened on their part in the first pace, and is no doubt happening to others on a large scale, as it is a large financial institution.

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 2021-06-03
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: Account information incorrect

Complaint:
Equifax and XXXX  is still reporting XXXX on my credit. XXXX mailed me a letter stating " This account qualifies to be removed after 6 years and 9 months from the date of first delinquency ''. I have attached a copy of both letters from XXXX as there were two separate accounts. The XXXX account has yet to be deleted entirely from my credit. Please reach out to Equifax and XXXX  to fix this issue as I have tried many times myself already with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Mt. XXXX XXXX XXXX is currently reporting and updating on my credit file. This account was included in my Bankruptcy # XXXX in XX/XX/2014. They are in clear violation of the Bankruptcy Law Act for updating on my account every month, and this needs to be removed off of 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 2018-02-15
Company: Lendmark Financial Services
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I took out a {$5000.00} dollar loan in XX/XX/XXXX from Lendmark Financial. I took the money out to start my now very successful business. 

I made the payments on time every month until XX/XX/XXXX when I was called by a debt solution company about renegotiating my debt. I agreed to enter the program as I had already purchased my home and car so I didn't think it would be a bad idea. The debt solution company XXXX XXXX XXXX XXXX XXXX told me to treat it like a bankruptcy while they negotiated the outstanding balances lower. A month later I received a summons from XXXX XXXX XXXX collection agency. The XXXX XXXX XXXX XXXX XXXX   company told me not to respond to it. I had an over 700 credit score at the time. Then XXXX XXXX  XXXX called me and threatened me and it made me extremely nervous. I was able to make the payments, it was never about not being able to make the payments so on XX/XX/XXXX I exited the debt program and made a payment to get up to date with Lendmark. I made this payment at the XXXX MD branch off XXXX XXXX. I called XXXX XXXX XXXX and asked what did I need to do to make the hearing go away. They sent me a form to fill out and fax back to them and I faxed it from a XXXX in XXXX PA. 

I found out later that they did not stop the hearing, and it went on and I did not show up to court and the judgment was awarded against me. I didn't have money to attain an attorney at the time and rather than go deeper into trouble with this agency I started making the requested payments to them. 

I made payments on time every single month for years. I then requested XXXX XXXX  XXXX to send me a payoff balance several times. All of my emails went unresponded to. I wanted to pay the remainder in full. No one got back to me. 

I had an automatic bill pay set up with my bank but I had switched banks. I missed two payments to XXXX XXXX   XXXX and they without my knowledge or permission pulled a large amount of money out of my bank account on XX/XX/XXXX This was way more than the balance owed. I have paid nearly 8000 dollars on this {$5000.00} loan. 

I have emailed them and called them repeatedly for an explanation and no one has responded. This place has turned my life upside down,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been served a XXXX XXXX Justice Court papers in XXXX, Arizona ; stating I owed {$6600.00} to Sears Mastercard credit card ( Citibank, NA ) My name is XXXX XXXX XXXX and in the Court papers appears as XXXX " XXXX  '' XXXX. 
and in the application for Entry of Default is XXXX " XXXX '' XXXX, a married woman, I have been divorced since 1981. 
The statement is in '' XXXX '' a language I don't use at all. 
They do not show the account number, except for the last 4 digits which are XXXX. 
When I called Sears they informed that, that account doe not exist. 
I have been notified that if I do not answer or file a responsive pleading with the Court the Default will be effective and the Plaintiff may request a judgement to be entered against myself.

I have talked to the XXXX XXXX XXXX, XXXX The XXXX in XXXX Az.with no positive results. 
I do not owe that money and I feel very frustrated with this situation.

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 2019-09-20
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX SS XXXX DOB XXXX THE FOLLOW ADDRESSES ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX i HAVE SEVERAL NUMBERS THAT ARE NOT MINE ON MY FILES PLEASE DELETE/REMOVE THE FOLLOWING : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: Greenback Recovery Group, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I gave Greenback Recovery Group permission to withdraw {$50.00} from my bank account. I gave them my debit card number so they would be able to. This was a one time only withdrawal. On XX/XX/XXXX or XX/XX/XXXX they withdrew anther {$50.00}. I did not give them permission to do so. I have attempted to reach them to notify them they are not allowed to withdraw any funds from my bank account. To make sure they do not withdraw more funds I feel I have to get a new debit card. 

The agreement I had made with them was for me to make a payment once per month. Now I am not even sure they are a collection agency that has been hired to collect a debt. 

Please help me resolve this.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2019-09-20
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:
XXXX XXXX XXXX  {$2200.00} charged off in XX/XX/2017 I disputed this account with experian because it didn't belong to me the account is unverified and possible result of identity thief my information was affected by the XXXX been dealing with this for months to no resolution they just keep reporting the same negative information without merit

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 2017-11-27
Company: Real Time Group, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is a rebuttal to the response that XXXX XXXX XXXX replied. I DID NOT ASK THE DEFINITION OF A CHARGE OFF I am well aware of what that means. It 's a bank code that is used to show a loss. That did not answer any of my original questions with this company. What this company is doing is Double Jeopardy in a sense,. The initial company charges off the same account that they purchased or took over. The account number is the exact same as the initial. This makes the mortgage look as though it was charged off twice. Where is the signed documents? Where is the payment history? I did not ask them what the other company was did I asked what kind of underhanded treatment they are trying to pull. Just what accurate law and regulations are they quoting? How is this even close to being legal? For the first company to charge it off and then again this one. I would think that this violates the Fair Debt Collection Practice Act which would include unfair and deceptive practices. I want to see a Mathematical audit on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
After doing several disputes with XXXX, XXXX, and Transunion. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor XXXX XXXX. All three failed to do an investigation before reporting false information. XXXX XXXX failed to respond several letters

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 2019-03-22
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently requested my credit files from all three credit reporting agencies. Once, received I notice a account on my credit from Ad Astra Recovery Services ( Collection Agency ) which had been from XXXX XXXX XXXX. The account showed was reported by all three credit agencies. I submitted a dispute with all three agencies, and the investigation from collections agency response was information verified. The collection agency did not give any accurate data concerning the accounts. The acct # XXXX also is reporting inaccurate opening dates on the account. with XXXX  shows opening date as XXXX18, XXXX XXXX reflected XXXX18. I submitted a dispute with also XXXX  a three reporting the negative account. A investigation was conducted, after the completion of the investigation. I requested debt verification of account information. Which, would verify when account was opened, and amount owed, and signature could be verified. At the time of this account open, I have never have had a nt with XXXX XXXX, and I am not aware of any account with this company. Ive contacted the Collection agency  Ad Astra Recovery Services. And I am attempting to get this issue resolved. By the collection agency providing account information of owner ship of the account. Which they will not provide in response to dispute of accurate information. The account is inaccurate, and negative, and derogatory information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXXXXXX XXXX  XXXX XXXX and I do not have a contract with ALDOUS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I sent in a complaint to XXXX and Experian credit reporting companies well over a month ago with a copy of my Identity theft police report, FCRA 605 B, my ID NYS Drivers Lic. utility bill, and a narrative of what was fraudulent on my report circled and spelled out what had happened and I want the items blocked from my report immediately, and that was well more then a month ago, as I sent them certified and they were returned to me XXXX XXXX and it is XXXX XXXX and just got a letter from XXXX XXXX that they need my id as they cant find my file, that is a lie they are stalling to correct my file and I want my file corrected now as I was a victim of id theft. I sent them all necessary paperwork and they are not following the regulations set forth by FCRA 605B that they are to block all info within 4 days or receiving dispute and they have dispute well over a month. I demand that my file is corrected immediately as XXXX and Experian was directed and FCRA 605 B states within 4 days ....

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