BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-24
Company: Experian Information Solutions Inc.
State: ID
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:
When I noticed my credit score fell from XXXX to XXXX I requested a CREDIT REPORT FROM EXPERIAN. THEN I CALED TO CORRECT GROSSLY MISINFORMATION THAT I HAD REQUESTED A CREDIT CARD BE CLOSED, among other stuff i.e. that I had a credit card balance of over {$200000.00}. I also requested that an explanation of my one late payment since the early 2000 's reflect that I was in hospital. I then got the credit card company to call XXXX and all they corrected was that I didn't owe {$200000.00}. Instead of showing that m card was closed in XX/XX/XXXX, the new report from Experian showed it was closed in XXXX! I again called the credit card company that sent me a letter stating my account was open and sent a coy of that letter to Experian. I sent a letter to two different P.O. Boxes that Experian uses. This problem has yet to be corrected despite numerous attempts by XXXX and myself. Currently I have a bad case o XXXX and am not driving, but to the bank and food store. The method of disputing claims on line is too difficult for XXXX seniors using public computers with assistance. These credit reporting agencies should be put out of business because of these user unfriendly practices. XXXX XXXX., XXXX  XXXX  and 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 2018-09-24
Company: Collection Consultants of California
State: NV
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:
Dear Sir/Madame : Approximately 1 year ago, it came to my attention that erroneous information was present on my credit report. I immediately contacted the collection agency regarding this matter via phone and then via written mail. My initial contact with the collection agency was met with hostility ultimately terminating in vile words being exchanged. After researching the matter, I determined that the collection agency was required by federal law to " verify the accuracy '' of the information being reported. Federal law is very clear concerning this matter. In my case, the data being reported is are three delinquent medical bills. Because of the nature of the bills, I requested very specific information regarding the debt that must be maintained and provided upon request. As this date, the information has not been provided nor have the accounts been removed from my credit profile. After further research, I determined that the credit reporting agency is required by federal and state law to " verify '' any disputed debt or remove the delinquent account ( s ) from the consumer 's profile. I immediately contacted XXXX, first via telephone and ultimately through multiple letters sent via certified mail to have the " debt verified '' or removed from my credit profile. Again, during the debt verification process, I have requested very specific information which is required under federal law to be disclosed upon request or have the accounts removed from my credit profile without prejudice. On at least two occasions, XXXX has contacted me via U.S. mail stating that the accounts have been verified but have not provided me with any of the information I have requested. In addition, they have refused to remove the delinquent accounts from my credit profile. As a result, I have taken the liberty of contacting an attorney regarding this matter. Through our research, we have determined that the collection company ( Collection Consultants of California ) has a well documented history of implementing deceitful, illegal and immoral practices. As a result, they have been successfully sued multiple times, currently maintain a grade of F with the XXXX XXXX XXXX   and a currently facing multiple lawsuits in both state and federal court. These facts were disclosed to XXXX, yet the steadfast refuse to remove the accounts. In a final attempt to resolve this matter without entering litigation, I have been advised to contact you to have this matter investigated and resolved. Thank you in advance for your cooperation and concern. I am truly appreciative of any efforts you make to resolve this matter. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX Account number XXXX, Paid before colections, paid as agreed, and current. PLEASE DELETE.

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 2021-02-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
We refinanced with Citizens Bank our existing equity loan with XXXX to have it paid off on XX/XX/XXXX. This payoff to our existing account with XXXX was to be be paid on XX/XX/XXXX as shown on their loan documents ( copy attached ). 
To date we have contacted Citizens more than 10 times beginning XX/XX/XXXX to no avail that the loan is still outstanding. Citizens has provided nothing but lip service from our inquiries with no resolution that the loan is paid off. They have refused to contact XXXX, even giving written authority, to attempt to remedy the issue. 
Currently I still have the loan with XXXX which I must pay while waiting for Citizens to remedy the issue. Meanwhile Citizens really has not shown any effort to remedy their mistake. 
We respectfully request Citizens be sanctioned and penalized for their their negligence in failing to payoff our loan timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
In XX/XX/2020, I paid in advance for a product from XXXX XXXX. XXXX failed to deliver the product. I requested a refund on multiple occasions. XXXX refused to refund my money. I raised the concern with American Express. Inexplicably, AmEx sided with the vendor despite the fact that I was charged for a good I did not receive and the vendor admitted in writing to AmEx that it did not provide the good. 

Instead of responsibly resolving the matter, XXXX has engaged in ad hominem attacks, misstatements of fact, and defamation. All of this evidence has been provided to AmEx. I attach a portion of here as well. 

AmEx should find in my favor and refund my money in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24
Company: Westlake Services, LLC
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:
Theres an inquiry on my consumer report from a company I do not recognize. I dont have an account with them under collection nor for review.

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 2020-01-28
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XX/XX/XXXX until now I have received XXXX I'm overdrafts fee that's are from auto payments that never get paid but the bills continuously get re cycled I have lost 4 payroll checks due to direct deposit and 2 bill cycle behind in credit cards loans mortgage payments all because wells Fargo keeps giving me fees for items I told them to stop payment on and i didn't recognize. This is illegal and fruad I have reached out everyday and they keep giving my account fees then Harrasing me at work iam almost in chapter XXXX bankruptcy and foreclose of my home due to this bank I have been there customer since XX/XX/2007and my account NEVER gas been like 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 monetary relief
Consumer complaint received 2018-02-19
Company: Aargon Agency, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company : Aargon Agency, Nevada Debt Collection In late XX/XX/XXXX, I had several thousand dollars of medical bills accrue due to an accident. It was time consuming and confusing to sort out what was owed and to whom various payments were to be made. 

One day in XX/XX/XXXX, I received a call on my mobile from the above company. ( I can not provide the date as I now have a different phone and phone number. ) Their representative demanded a commitment from me to pay a medical bill. 
I explained that I was at the grocery store, and if he would call me back in a couple of hours, I'd be back home, able to take down the necessary information, and verify that his firm was legitimate, so that arrangements could be made to pay. The representative became rude, told me that he would close my case and report the bill as uncollected. He then hung up on me. 

I didn't hear from him that evening, or from XXXX ever again, nor did I ever receive written notice from XXXX. 

I finally contacted the initial payee, XXXX XXXX directaly and paid the bill. Please see the bank screenshot of this transaction. 

Recently it has come to my attention that XXXX reported the bill on my credit report. 

I filed a dispute with the credit bureau, who contacted XXXX, who refused to act and clear the debt. 

Saturday, I contacted XXXX directly. The representative told me that they did not receive the money ( the original payee did ), so they had to wait for the payee to advise that the bill was paid. I explained that I'd filed a dispute months ago, and asked how long it took for resolution. XXXX told me that it was " my fault '' for paying the original payee rather than them. 

I explained that their initial contact with me was their only contact with me, that I had no way of knowing who they were, and that I'd paid the bill. 

Not only have they not removed the derogatory account on my credit report, but THE DAY THAT I CALLED, THEY BUMPED UP THE CHARGE ON MY ACCOUNT ON TRANSUNION, CAUSING A FURTHER DECREASE IN MY CREDIT SCORE. 

Please help me.

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 2021-02-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Ive had this card since XXXX. I have made on time payments and was near the end of paying off this card. Synchrony lowered my credit limit of {$1000.00} to {$250.00} which in turn increased my credit utilization with no substantial reason. My FICO score is current over a 700 with no delinquent accounts. This is a way trap people and mess up their credit.

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 2019-02-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. 

XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX 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 2018-02-19
Company: Santander Consumer USA Holdings Inc.
State: NH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting a call from XXXX XXXX. Today at XXXX XXXX  was the latest. They are spoofing the caller ID to reflect that they are a Cell caller from MA. The number is XXXX. I feel this is a deceptive practice and they should be fined for using this tactic. When they started to go into their Collector speech, I hung up. They want to verify information that I do not want to give them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX last XXXX reported me delinquent to all 3 bureaus - i was instructed to send them my insurance check for 2 payments - sent XXXX  per their instructions - i hired an attorney who sent them demand letter - they did nothing - although i have a recorded conversation stating XXXX  was at fault - now i go into hospital w XXXX  - my bank sends them instructions to draft w a letter - they dud not follow it and again reported me delinquent - i now am able to talk - no XXXX  / i sent them another payment - this company twice has reported fraudulently to all 3 bureaus - i spent XXXX on attorneys and im a XXXX  survivor - XXXX - XXXX  - nothing has been done - ill file suit in federal court if this is not resolved in 21 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
Consumer complaint received 2020-11-27
Company: Experian Information Solutions Inc.
State: IL
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:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off 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 2018-10-04
Company: Mercedes Benz Financial Services
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I leased a new XXXX on XX/XX/XXXX I suffered debilitating injuries from a slip and fall on XX/XX/XXXX. I could no longer afford my car cause I was on XXXX. MB financial suggest that I voluntarily turn the car in which would save me from a repossession. Now in my credit report it says that it is a charge off and that over 19k is owed. MB financial did not tell me this was going to happen. I called MB financial in regards to this and they were not helpful at all. Now I can not get a car loan or a mortgage because of this. My hands are tied and do not have the XXXX or any money to pay for a car that I no longer lease. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I opened an account with XXXX. The Account was closed on XX/XX/XXXX. I got a derogatory remark on my XXXX credit report, Stating that this account got sent to collections. However I wasnt never notified about this debt and never received the bill. I would like to address this Immediately and either pay off the debt or get this negative remark removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
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: Public record information inaccurate

Complaint:
I submitted a dispute to Experian and XXXX  about a bankruptcy public record in XX/XX/2018. The company has failed to remove any account and responded back as verified accounts ''. Therefore, since they failed to comply with FCRA sections 609 and 617, they were supposed to remove the debts immediately. XXXX  deleted an inaccurately reporting Bankruptcy off of my credit file and reinserted it without a written five day notice which is a violation of the Fair Credit Reporting Act. Experian and XXXX  have not provided any documentation ; they did not confirm who verified the information or what company. The local Bankruptcy court stating they dont report to any Bureaus, so how can Experian and XXXX not correct or comply with the Law if they have no documentation that I am the actual person in charge of the debt or anything else? They keep saying a Company verified but never say which company. The court has already said in writing they did not communicate with Experian or XXXX. So, how did they verify??? I have repeatedly sent them requests for VALIDATION which they have failed to provide. The public records law states that a public record must contain all of the following in order to remain in a consumers credit file : Name, DOB, SSN, and address which this public record does not. Furthermore, they are reporting inaccurate public information on my file and it is hindering my ability to obtain credit. I would like for this account to be deleted immediately and not reinserted again.

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 2023-05-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 


XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 sent a letter on XX/XX/2022 to bureaus to remove personal information : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; accounts XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX ; XXXX  ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX that ere UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any items or information not later than 4 business days after the XX/XX/XXXX letter sent to Bureaus.Ive already included this in my previous Complaint # XXXX XXXX, XXXX, and XXXX & I am including it again

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 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
i have been trying to get some negative marks off of my report, that is reported, wrongly for over a year. I have tried writing/calling, and emailing this company. when i call you get a computer, never able to speak to a human, and they don't have my ssn #, nor my address in there system, yet continue to report this information as if it's factual. Ive written all 3 bureaus numerous times, that's a complete joke. What kind of investigation are they doing, if the company doesn't have me, or my # ssn, or address in there system, what kind of information can thy get back from this company, verifying anything? But its still in my reports, a year later. The law says i was supposed to get a early warning notice, ( 15 U.S. CODE 1681n, to prevent these kinds of situations from happening, because of the " sensitive nature '', of consumers affairs, i haven't been able to purchase a house, because of this one company actions, and the bureaus who rubber stamp everything these hugh companies do. Time, energy, money, iv'e had to retain legal council, XXXX XXXX XXXX XXXX, who for over 2 weeks, couldn't reach there legal dept, sorry couldn't get anyone on the phone. CAN someone please advise me, what i can do this is, horrific, over a year.of unnecessary stress. Companies P/N XXXX XXXX XXXX, XXXX 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