BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-21
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX is a " for profit '' Holding company that does not disclose, they portray to Credit Bureaus, that in fact their subsidiary XXXX XXXX is a collection agency ( and has never stated that we are working with XXXX XXXX  ... their actual and sole collection branch ). Never has an agency ( XXXX ) on the phone or in writing explained that they are a collection agency. The following is the dispute letter I sent to all three major Credit Reporting Agencies ( XX/XX/XXXX ) : XXXX, XXXX, Experian ) Dispute 1 Unfair Business Practices : reported as in collections Source of dispute information : XXXX obtained our balance from XXXX XXXX XXXX. and immediately reported this as in collections without our knowledge of this action. We were not told or informed that we needed to pay the full balance or that we even owed XXXX. Failure to make full disclosure is unfair business practices, and bad faith. We began negotiations through an agent ( XXXX XXXX ) and after months of their ( XXXX XXXX  ) inaction we agreed to  payment and have made current payments. XXXX agreement to the monies we pay monthly are in direct conflict with the agreed upon payment plan - as they report us as " in collections ''. How can they report us as in collections, when they in fact made the recommendation for the payment plan and have agreed to said plan ... and never once have they said they are a collections agency? 
Type of disputed information : Access to the credit bureaus by XXXX while willfully reporting us as in compliance to our agreement to said payments and portraying to the credit bureaus we are in collections ( never to us ) is bad faith. XXXX is unfairly reporting us when in fact we are making the agreed upon payments and payment plan. 

This practice to not have a systematic program to notify consumers that they are a collections agency is another instance for bad business practices. 

They have been sited in the past by the ED-OIG in XXXX for not having solid ( Final Report XXXX ) process or procedures. Page 6 of that report calls out for XXXX to ( Recommendations 1.2 ) " Develop procedures to ensure ... for allowable ... activities. '' This shows and identifies they continue poor business practices and is indicative of a culture whereby the interest to be fair and impartial to/with consumers is concerning and bad faith.

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 2021-12-03
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The XXXX XXXX XXXX failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Name XXXX XXXX Incorrect Address XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX Employer 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 non-monetary relief
Consumer complaint received 2021-08-13
Company: Clark County Collection Service
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: Account information incorrect

Complaint:
Clark County Collection Services ( CC COLL SVC ) is still reporting a collection to my XXXX  report that is over 7 years old. They are also re-aging the debt to make it look newer than it actually is. I called CC COLL SVC on XX/XX/XXXX and spoke with XXXX ref # XXXX. I asked for validation of the debt and was informed the original collection was from XX/XX/XXXX, and will fall off at 7 yrs = XX/XX/XXXX when reaches 7 yrs old. 

It's now 7 yrs old and it's still reporting. Property Addr was : XXXX XXXX XXXX XXXX. 

I demand this collection be removed from my XXXX  report as it older than 7 years and should have been removed by now,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: ACIMA CREDIT, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XXXX I had inquired aabout an ipad from a random electronic shop i saw on an ad ; I am not disputing the actual existence of the transaction. I dont know what other language to explain to these people that i NEVER RECIEVED THE ITEM. Sender first didnt hand the package over the XXXX on time, so it was received by XXXX 2 days after he promised he'd send it, finally got to XXXXXXXX XXXX hands their delivery dates kept changing after I would wait for it alllllll day ; long story short took the whole week off work because i didnt want to lose an expensive item. XXXX  somehow misplaced the item while in transit, I finally called the shop I said cancel it I dont want it. He said " I will try but because its in their hands now wed have to wait until they dont bring it and itll " EVENTUALLY '' get back in our hands, never heard from them again until collections notice. I just spent over {$4000.00} cleaning my credit from all past negative items I will NOT allow myself to be penalized over. I keep disouting but nobody seems to want ti k

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted in writing to XXXX XXXX XXXX in XX/XX/XXXX. Regarding XXXX XXXX XXXX conducted unauthorized hard credit inquiry without my consent in any form and without having my social security number for internet service that was set up in XX/XX/XXXX. As of XX/XX/XXXX XXXX XXXX XXXX has emailed stating they would submit a request to Equifax to remove the credit inquiry and states process would take upto 45 days to complete As now XX/XX/XXXX nothing has been resolved. 

I contacted Equifax on numerous occasions including XX/XX/XXXX 21 min call, XX/XX/XXXX 17 min & 22min call, Representative states I need to submit a letter in writing to Equifax to open a dispute for issue i am calling regarding XXXX XXXX XXXX.With the following information : Full name, phone #, Current address, specific info disputting and two forms of verification from https : //help.equifax.com/s/article/What-documentation-should-I-send-in-to-validate-my-ID-or-address Equifax Representatives also states on several occasions we do not have enough information on file to access your file I asked on several occasions what do you mean you dont have enough information on file Considering I was able to get my Equifax credit report through XXXX? 
All the representatives spoke to keep repeating the same thing except the last agent on XX/XX/XXXX he stated i need to send two forms of acceptable verification. 

XX/XX/XXXX I sent a letter enclosed with dispute and two forms of acceptable copies of verification as stated on https : //help.equifax.com/s/article/What-documentation-should-I-send-in-to-validate-my-ID-or-address I sent in a copy of driver 's license and a copy of my Utility bill with the correct address for internet Documents were received by Equifax on XX/XX/XXXX via USPS with tracking XXXX XX/XX/XXXX 1hr, 39mins. XXXX CST I spoke to an Equifax customer service representative and an Equifax XXXX Consumer Care supervisor ( i believe her name was XXXX ) who states my document have received and reviewed. But then once again Equifax representatives states We dont have enough information on file After they have asked for my name, address, and social security number verbally over the phone which was the identical information that was presented on my Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: AZ
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:
A debt collector re-aging an account can cause serious damage to your credit files. Re-aging would allow a collection account to remain on your credit reports in-perpetuity. Take the following steps if you believe you are a victim of re-aging. 

I have Disputed this account many times and they just re-age the account. The date of first delinquency is wrong. XXXX refused to correct it, they told me to contact XXXX XXXX because they only place whatever information they are given on my Credit File, I advised her the account was re-aged and that it is illegal for them to report it being an open account XXXXXXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/2020 ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX It is a criminal offence to re-age an account and I want this account removed from my Credit File Immediately they have never verified this Debt and are always stating the it was verified and accurate which is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Earlier this year I had a family emergency that required me to be outside the USA for extended periods. In my absence, I had scheduled my Wells Fargo HELOC payments to be automatically debited from my back account. These payments were deducted from my checking account but not remitted to Wells Fargo by the bank 's processor. I contacted my bank and their automatic payment processor confirmed the payment errors were caused on their end. I inquired with Wells Fargo customer service who advised me earlier this year that these payments would not be negatively reported to the credit bureaus but I've discovered recently that they are being reported late. I have been a very loyal customer of Wells Fargo for over 10 years and never missed a payment. I made every attempt to make these payments on time and now I am being financially punished by Wells Fargo for the fault of another 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 2017-09-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I recevied a notification in the mail on XX/XX/XXXX that the limit on my XXXX XXXX XXXX through XXXX XXXX card had been lowered by {$1100.00} from {$3000.00} to {$1900.00}. This left an available amount of {$61.00}. 
The letter stated that there were several factors involved in the decision. They were : - Length of time credit accounts were open ( I have had positive credit for over 20 years ) - Number of delinquencies ( one over 7 years ago in the amount of {$24.00} ) - Proportion of balances to credit limits ( I recently had to purchase a new AC Unit and used some funds on another credit card ) - Proportion of loan balances to loan limits too high ( The last non-revolving loan I opened was a mortgage with $ XXXX in equity ). 
I have a XXXX credit score and make a very sufficient income to cover all of my obligations. I have not had a delinquency aside from a 30 late payment over 7 years ago. The most frustrating and concerning issue is that I received notification from my credit monitoring service that due to the very minimal available balance on this card, my credit score was negatively affected by XXXX XXXX lowering my limit. 
Aside from a XXXX XXXX card that was needed for an emergency vet visit, I have not opened any new accounts in over 2 years ( the last being my mortgage in XX/XX/XXXX ). 
I contacted Customer Service who informed me that I was welcome to apply for an increase. Of course, this would affect my credit. I am not in need of the funds on this card. I do, however ; take great concern with this bank effectively lowering my credit score without any negative actions on my behalf. I wish for my credit limit to be restored. I will no longer use this card and will pay off the balance as soon as possible.

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 2021-06-14
Company: Experian Information Solutions Inc.
State: PA
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 recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus XXXX, XXXX  and Experian. It has been over 70 days and I have still not received any investigation results from any credit bureau. I included a copy of my drivers license and social security card as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.

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 2021-06-14
Company: EQUIFAX, INC.
State: PA
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 recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus XXXX, Equifax and XXXX. It has been over 70 days and I have still not received any investigation results from any credit bureau. I included a copy of my drivers license and social security card as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Continental Finance Company, LLC
State: CT
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:
I 've disputed a purchase in the amount of XXXX from XXXX made on or around XXXX XXXX 2017, the item was not enclosed in the box and XXXX will not refund. They provided false/inaccurate information in their reply to dispute such as shipping address to XXXX, NY, delivered to a XXXX XXXX. The order date is from XX/XX/XXXX, a month BEFORE I placed actual order. They reference a XXXX watch sent as a replacement, a XXXX watch was actually ordered. I understand the bank, Continental Finance, is unable to verify such order information as item ordered and what brand. However, they are aware of correct billing and shipping address as well as my correct legal name, it is not XXXX XXXX nor do I live in XXXX, NY. Lastly, the order date is XX/XX/XXXX not in XX/XX/XXXX as their reply shows.. XXXX is known to either send empty watch boxes or defective items, they have numerous complaints against them. I sent in a rebuttal response which was not received in time as I did not receive initial reply soon enough to reply in re. I attempted to speak with a XXXX XXXX, left a message for her and was returned by a gentleman stating same information as was told by dispute dept. I was told again that they did not receive information in time for XXXX, there is only a certain amount of time to respond. Again, I did not receive information in time as the initial mailing was lost in the mail, never received. I was told to send in rebuttal reply anyway, then was denied any credit. I told the gentleman, whom I do not have the name of, that payments will cease until resolution is made in form of a credit in the amount of XXXX plus interest charges. The last payment made on or around XXXX XXXX, 2017,  will be last payment until resolution is made which I stated before.

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 2017-09-28
Company: Direct Recovery Services, LLC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company left voice messages about an undisclosed " matter '' requiring attention on my home and cell phone. After returning their calls, the company refused to mail any information about the matter or even provide their company mailing address so that I could write to them. They claimed to need to verify my personal information ( last XXXX of SS and birth date ) before they could do anything. Total SCAM!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I tried to pay my outstanding debts with Citi Bank, but they refused to accept my payment, because it is a bank based in the XXXX. I am trying to pay off my debts, and I do not understand why they will not accept a payment from me. I do n't see why it matters that it is a XXXX bank, given that Citi is an international banking institution and has no problem dealing with foreign institutions or money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXXs rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 non-monetary relief
Consumer complaint received 2017-09-28
Company: BB&T CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XXXX I collected a security deposit from a tenant and opened a new account at BB & T as required by Florida Statute 83.49 and deposited the {$500.00} collected from the tenant. The account was an interest bearing account and I reported this to the tenant and advised that should the deposit be returned to him, it would be returned with interest. My tenant continues to occupy the property so the deposit has not been withdrawn. I received a statement from BB & T charging an inactive fee on XXXX/XXXX/XXXX in the amount of {$7.00}. Also the statement shows a prior balance of {$430.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 was a victim of identity theft. My identity was used to open LIST THE ACCOUNTS HERE. I have no knowledge of these accounts and did not authorize these accounts. This has extremely affected my credit score and my ability to get approved.

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 2019-07-16
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation