BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-31
Company: Experian Information Solutions Inc.
State: VA
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:
My complaint is all three credit bureaus Experian, XXXX XXXX are reporting this one account XXXXXXXX XXXX XXXX  which is a charge off. I called XXXX XXXX XXXX to pay off balance until they told me this account was given to collection agency back in XX/XX/XXXX they asked me why I did not pay it 2 years ago, my response to them that I became homeless and lost my employment and I moved around alot could not keep up with my mail at the time and when I did purchase PO BOX it was already too late when I received the letter that I owed a balance. So they gave me the name of the company they sold the account too, an collection agency called XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I spoke to agent at XXXX and explained to them that XXXXXXXX XXXX  is showing a balance of {$99.00} on my credit report which they have the right to do so until they sell the account. The account was sold in XX/XX/XXXX at that time only suppose to show a balance of {$0.00} for a charge off after it is sold. The credit bureaus are showing a balance of {$99.00} which is incorrect and they are reporting this account and do not know themselves who bought this account because it does not show on the account but they decided to still report XXXXXXXX XXXX account with a balance of {$99.00} charge off, however there should be no balance reporting if the account has been sold to a collection agency. there should be XXXX balance reporting. I asked XXXX XXXX to remove the whole account due to the fact they sold it and gave incorrect balance on my credit report and I was told to call company XXXX at XXXX and pay them because they are the company that owns the account and only ones who can remove the account but XXXX is not on my credit reports so how can I dispute with the credit bureaus if XXXXXXXX XXXX will not remove there account but a collection agency owns the account who is not on my credit report. I have paid {$99.00} directly to XXXX on XX/XX/XXXX {$91.00} & XX/XX/XXXX $ XXXX asked XXXX to remove XXXX XXXX  account since I paid the balance now there telling me to call XXXX XXXX to remove it. WOW this is crazy they are playing back & forth game with me and I'm sick of it. Its causing me hardship and completely messed with my credit. I do not wish for either company to be reported on my credit report and I do not want the credit bureaus to know the name of company that bought the account. They should had done better research on account before putting it on my credit report with the correct updated information. Please help me with this situation Consumer Financial Protection Bureau.

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 2022-04-17
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:
Company asking for additional information that was already given ( drivers license and social security card )

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 2017-06-20
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After receiving an overwhelming amount of emails and calls I mailed an official cease and desist letter to the company XXXX XXXX onXX/XX/XXXX. The letters were sent to no avail I have received persistent emails and calls to date. I have blocked this number previously to attempt to limit the amount of harassing calls I have received regarding this account however that has not limited nor stop the ongoing harassment. calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After the cease and desist letter 's were sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: BARCLAYS BANK DELAWARE
State: HI
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:
XX/XX/2020 - {$200.00} XX/XX/2020 - {$250.00} Barclay credit card company accepts via telephone, payments using only a checking account number and bank routing number. They do not ask the payer to verify the name on the checking account nor do they validate whether the name on the credit card and the checking account are the same. 

Due to this blatantly insecure policy of theirs, my checking account was debited twice within 5 months without my authorization. I had to file a dispute each and every time which is a long and arduous process. This policy is an open door for fraud and theft. Stricter requirements must be in place when someone is using a checking account to make a payment.

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 2023-04-28
Company: EQUIFAX, INC.
State: SC
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 have had several loans from XXXX XXXX located in XXXX, SC. I had one loan that was paid in full but have several late payments being reported. Im asking for a XXXX deletion of those late payments to help improve my credit moving forward. I have always paid them in full and would appreciate the deletion and report it to all credit bureaus. Thank you for your past when I needed help. I paid all loans completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Factor Trust
State: RI
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 checked my XXXX, factor trust XXXX  and XXXX reports and i noticed accounts on there that don't belong to me and addresses as well. 
Accounts. 
1 ) XXXX XXXX XXXX {$560.00} opened in XX/XX/XXXX 2 ) XXXX XXXX {$72.00} opened XXXX 3 ) XXXX XXXX XXXX XXXX date opened XX/XX/XXXX {$860.00} 4 ) XXXX XXXX XXXX XXXX date opened XXXX {$870.00} 5 ) XXXX XXXX XXXX `date opened XX/XX/XXXX {$620.00} 6 ) XXXX XXXX XXXX XXXX date opened XXXX/XXXX/XXXX {$400.00} 7 )  XXXX XXXXXXXX XXXX XXXX date opened XX/XX/XXXX {$400.00} wrong addresses 1 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, ri XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX , ri XXXX 3 )  XXXX XXXX XXXX XXXX XXXX , ri XXXX 4 ) XXXX XXXX XXXX XXXX , RI XXXX 5 ) XXXX XXXX XXXX XXXX , ri XXXX 6 ) XXXX XXXX XXXX XXXX , ri XXXX 7 ) XXXX XXXX XXXX XXXX , MA XXXX wrong phone numbers 1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX 5 ) XXXX Inquiries I didn't allow 1 ) XXXX  2 ) XXXX/ XXXX  XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX   XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXXXXXX 10 ) XXXX XXXX 11 )  XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX  14 )  XXXX XXXX XXXXXXXX 15 ) XXXX XXXX XXXX 16 ) XXXX XXXX XXXX XXXX 17 ) XXXX XXXX XXXX XXXX 18 ) XXXX XXXX XXXX 19 ) XXXX XXXX 20 ) XXXX   XXXX XXXX 21 ) XXXX XXXX XXXX 22 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: CITIBANK, N.A.
State: TX
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 didnt apply for this Best Buy credit card and they were payments in my name was taking out of this account and my checking accounts were taken over by a fraudster and I call Best Buy and told them I didnt applied for the credit card in my name and I ask them to return the payment of {$1500.00} that was made on XX/XX/XXXX back to Citibank and I didnt make this payment and I dispute it with Citibank and it was denied and Citibank NA is putting me in debt over this amount and I will not pay for it ... Best Buy has closed this fraudulent account and continue to send me mail to a vacant address and I had to drive and pick up the letters and I dont live there all and they was credit card send there as well and I didnt apply for it and I want the payments and all the ACH peyments return back

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 2023-04-28
Company: Resurgent Capital Services L.P.
State: MS
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 had no Acknowledgment of this debt. The collection agency does not have my my Permission to obtain my information legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2022-09-06
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts 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 2020-10-31
Company: Dodge Enterprises Inc.
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:
The company involved is Dodge Enterprises Inc . The website is www.dodgeenterpriseinc.com/index.htm. The email contact is XXXX and XXXX. The phone number is XXXX XXXX XXXX XXXX and the fax number is XXXX XXXX XXXX XXXX. The mailing address is XXXX. XXXX XXXX XXXX, FL XXXX. 
The matter involved a judgment that ended up in an unfair wage garnishment. This company agreed in writing in 2015 to settle a {$15000.00} debt for {$1000.00}. In 2015 I offered to settle the debt for {$500.00}, but because I could not give them {$1000.00} within 14 days, my wages were garnished in the amount of over {$10000.00}. 
I explained the sever economic hardship that I was under and asked them to reconsider the offer of {$1000.00}, but because of their sin of greed and intent to harm and oppress the poor, they continued the garnishment as a means of punishment to me, yet financial gain and profit for them. I wrote them multiple letters trying to get them to refund monies garnished less {$1000.00}, but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loan is being reported by two different loan companies that are reflecting identical amounts. The amounts are causing the balance of my student loan debt to double, which has negatively impacted my credit score tremendously. I understand XXXX is the new company to report the debt, however Aidvantage is still showing debt amounts. I am pleading for XXXX to reflect the correct balance in my student loan debt. Please remove the duplicated amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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: Information belongs to someone else

Complaint:
I went on to XXXX XXXX and noticed that there was an account opened in my name fraudulently. I never opened account in question so I am a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: Smith & Smith Investors LTD
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These accounts are part of an active workers compensation claim. It should not be at a debt collection agency or on my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
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: Account information incorrect

Complaint:
On XX/XX/2020. I received an alert for updated status on my credit report regarding a dispute I did on XXXX XXXX XXXX. I had an account showing as charge off, although I didn't owe that account. After disputing early XXXX, on XX/XX/2020, XXXX XXXX XXXX updated the credit bureaus. However ; the charge off status was removed but, the account remained and with a open balance of {$490.00}. I still don't owe that amount. This is an open checking account and it was never closed or charged off, no balance owing. ( I'm attaching copies of bank statements for XXXX, XXXX, and XXXX showing the account without that balance owed. However, Experian and XXXX still is reporting it as such as if it was a revolving credit. XXXX is even showing it as if it was a credit card with a high balance of {$490.00} which is not accurate. This is an open CHECKING account. I have disputed it again from XXXX XXXX XXXX, and Experian and XXXX through XXXX XXXX XXXX. This is affecting my credit score for my debt to income ratio.

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 2020-06-02
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Rubin & Rothman filed a law suit case against me on behalf of XXXX XXXX. 
They were using a scarring technic and advise me not to go to court and signed some paperwork, forced me to make monthly payments to them, not to XXXX XXXXXXXX XXXX. 
After a while I tried to validate the debt. This company doesn't have nothing besides the copies of statements. they refused to establish an ownership of the debt and didn't provide me with a copy of the retainer between their company and XXXX XXXX XXXX. 
So they illegally filed a law suit on behalf of the bank when in reality they must act as a collection company and validate the debt first.

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 2023-11-27
Company: Maximus Education, LLC dba Aidvantage
State: WI
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:
XX/XX/23 I called Aid Advantage to ask about some details involving my repayment. They were unable to answer my questions. I asked why one of my accounts was at {$4500.00} and after the first month of XXXX 's payment only brought the principal down to {$4500.00}. I mentioned that this was the same for all of my loans and that there was more allocated to interest in XXXX than in XXXX. Their reply was that my account was in forbearance and that interest had accrued. I explained that there was no interest during the freeze and they replied with the definition of interest, that if you have a loan, each day the loans accumulate interest. They were unable to assist me with detailed information on how my account balance was being managed by their autopay month over month. This appears similar to my wife 's account and many others online have described similar issues. 

In addition my credit score dropped XXXX from " increasing from XXXX to XXXX. '' It is difficult to find proper history of this on the Aid Vantage website and the representative was unable to tell me why my account accrued interest when it should not have coming off of the freeze that everyone was on. 

If this company is handling my loan and can not assist me with the information in house my debt is being handled, The US government needs to step in and solve this massive issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: EQUIFAX, INC.
State: TX
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 applied for a overdraft line of credit account from XXXX XXXX XXXX XXXX in XXXX and I was denied due to them not being able to Equifax not being able to verify my credit accounts. I contacted Equifax to have a freeze on my report lifted. Equifax submitted documentation that they lifted the freeze on XX/XX/2018. I applied again 1 week later and received the same letter from XXXX XXXX XXXX XXXX and was advised to verify that Equifax removed the freeze. I did so and it was verified that the freeze was removed. I applied again today, same issue. I contacted XXXX XXXX XXXX XXXX back and they stated that there is nothing that they can do. XXXX tells me it's an issue with Equifax, Equifax tells me that it's an issue with XXXX XXXX XXXX XXXX and that they should contact their business customer service department. XXXX XXXX XXXX XXXX states that they do not make calls to the bureaus. As a consumer, what can I do and I would hate it if I was applying for a mortgage and this error or run around occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I would like to have them remove fraud alert on my credit report but they are not respond. My used car messed up and i need to buy a newer card but to do that dealership need me to remove fraud alert on my credit report. I sent my documents on XX/XX/2020 to identification information as they request to Experian by certified Mail and they received on Tue XX/XX/2020, now more than one weeks and i can not contact them or hear anything from them, call them on phone but keep talking to machine and can't reach to speak with representative, keep hanging up my call, tried to upload my documents to them hope can get things faster but keep getting error " We have discarded any documents you were in the process of uploading ''. 
Phone call does not work, send by mail they are not respond or take any action, working online getting error. How i can fix my trouble with this company. 
I need a car to go to work but this delays is give me a big headache. 
This is unprofessional and i am a customer can not contact them. Wasting my time and money to go back and forth to fixing thing without any help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation