BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-07
Company: Experian Information Solutions Inc.
State: NJ
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2018-01-31
Company: First Federal Credit Control, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AN ACCOUNT UNKNOWN WAS OPENED XX/XX/2017 IN THE AMOUNT OF $XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
My car was broken into identity was stolen and I believe all of these fraudulent unknown and unauthorized accounts derived from that. I'm asking that this credit reporting agency Experian will remove the following accounts from my credit file immediately. 

1 ) XXXX XXXX XXXX {$180.00} 2 ) XXXX XXXX {$600.00} 3 ) XXXX XXXX XXXX XXXX {$690.00} 4 ) XXXX XXXX XXXX {$8200.00} 5 ) XXXX XXXX XXXX XXXX 6 )  XXXX XXXX {$3300.00} 7 ) Dept of ED/XXXX  {$4800.00} 8 ) Dept of ED/XXXX   {$2400.00} 9 ) Dept of ED/XXXX {$1100.00} 10 )  Dept of ED/XXXX  {$3500.00} 11 ) Dept of ED/XXXX {$130.00} 12 ) Dept of ED/XXXX   {$5400.00} 13 ) Dept of ED/XXXX {$3500.00} 14 ) Dept of ED/XXXX {$7700.00} 15 ) Dept of ED/XXXX {$3200.00} 16 ) Dept of ED/XXXX   {$2300.00} 17 ) Dept of ED/XXXX  {$1300.00} 18 ) Dept of ED/XXXX {$3100.00} 19 ) Dept of ED/XXXX {$6100.00} 20 ) Dept of ED/XXXX   {$1300.00} 21 ) Dept of ED/XXXX {$6200.00} 22 ) Dept of ED/XXXX {$640.00}

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 2018-02-01
Company: Experian Information Solutions Inc.
State: TN
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: Received unwanted marketing or advertising

Complaint:
Purchased {$1.00} Experian credit report. Found that they had signed me up for $ XXXX/mo service. I cancelled the service. Turned off the communication preferences. They are still sending multiple marketing emails every day. There is no method on their web site I've found to fully delete my " account '' or fully stop marketing emails. I've emailed them. I've waited on hold for 1/2 hour unable to reach someone. 

This is ridiculous. If we have to interact with big 3 credit reporting companies, they should be held to some minimum standards. They should not trick customers into purchasing services they do not want. They should prominently provide method to cancel marketing emails. They should prominently provide method to remove my account from their system.

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 2018-01-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My husband and I disputed many accounts and inquiries on Equifax, XXXX and XXXX in XX/XX/2017. They had 30 days to investigate and prove the accounts belong to us by sending us original contracts for each account. They have failed to do so therefore, by law they must remove the accounts we disputed which they have not. It has been about 90 days. This has damaged our credit and we would like help. Please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tradelines not showing up on 2 credit bureaus. All three bureaus are not showing open accounts and it makes it difficult to run an accurate credit pull for lenders because it does not show my full credit report. 

Attached are the accounts that are not reporting to all three bureaus as well as my personal information

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 2018-02-01
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To Whom It May Concern. 

RE : RECEIVABLES PERFORM MGT/XXXX   Agency name RECEIVABLES PERFORM MGT/XXXX Agency number XXXX Original creditor XXXX Good Afternoon, I am in the process of purchasing my first home, and my closing was canceled due to this collection showing on my credit report. I don't have a clue who this company is and they claim to represent XXXX XXXX and XXXX XXXX. I currently don't have, nor have I have incurred any debt with this company. The representative was extremely rude and hostile. They advised me to ay my bill and that even if wrong info on file, I must pay for them to remove. I reiterate i don't have an account with the referenced creditors ( They seemed lost and no accurate information was verified other than my name and not my middle name ). 

Please help me remove this erroneous information, which is a violation of my rights and the fair credit reporting act. 

Kind Regards, 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 2018-02-01
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/ 2017 from receivables performance.

amount {$640.00} Original creditor name is XXXX XXXX XXXX XXXX. 

I contacted to the collet company already. They didnt see any debts on my name or my credit history. I dont even know that either. 
Id like to know how it shows on the credit score checking website.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Experian Information Solutions Inc.
State: NV
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 submitted my complaint and evidence to the credit agency stating my concern about the transgressions of my score based on false reporting and received no solution to rectify my problems and then they continued to report missed payments inaccurately and have no moral complicity in lowering my score over 90 points over the last 30 days. Even with evidence provided and disputes submitted.

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 2018-02-01
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I notified Navient that I was in the process of filing a chapter XXXX bankruptcy in XX/XX/XXXX. They were fully aware of my hardship and purportedly initiated a forbearance on my account. My Bankruptcy was filed in XX/XX/XXXXand discharged in XX/XX/XXXX. Navient continued to mark me late through the bankruptcy period. What is the purpose of a bankruptcy when a company like Navient can destroy your credit worthiness regardless of your bankruptcy protection. Its absolutely amazing that a homeowner can file bankruptcy and have his XXXX XXXX dollar home foreclosed upon, the government eats half that loan in a hypothetical situation and that homeowner goes on to buy a new home in two years. With FEDERAL school loans your are held XXXX for the rest of your life. Make no mistake about it the fed gives Navient their power! It's my understanding 1 in 4 or approximately 11 million " students '' loans are in default. What does our government think is going to happen to those 11 million people in default. Probably won't be able to rebuild their lives, get a job if their credit score plays a role and may very well become the responsibility of the state in one way or another. Should I go seek the local loan shark and get these people out of my life?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
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:
I received a letter from Equifax stating that my personal information was included in the Equifax Breach. I am unable to access my Equifax credit report on the Equifax website anymore. In reviewing my Equifax report, I noticed that I had XXXX inquiries that were not authorized and they are the following : XXXX/XXXX for XX/X/2017 which was previously removed and placed back on without my knowledge after my previous dispute, and also XXXX XXXX-XXXX. I am requesting that those XXXX inquires be removed as they were not authorized. Also, I have 2 accounts that need to be removed as they have been unverified and I do n't have a contract or any knowledge with either of the following creditors : XXXX/XXXX totaling {$450.00} and XXXX totaling {$370.00}. Also, XXXX is not reporting a correct balance and I have never been late on this account so the late remarks should be removed. The correct amount for XXXX should be {$380.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: Diversified Recovery Bureau LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XX/XX/XXXX sent a request for debt verification and a request to stop calling my home, cell and work. As of XX/XX/XXXX they have called 6 times, called my work and even called my XXXX year old mother saying they were searching for me. They are in violation of the FDCPA. 

The most difficult one is knowing the called my XXXX yr old mother worrying her as she thought I was missing. She has a XXXX XXXX and can be frail. This has physically hurt her with her XXXX XXXX and my XXXX is off the charts due to this violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2017 I made an internet purchase that was mistakenly deducted multiple times from my checking instead of once. This did not come to my attention until I was accumulating NSF fees from USAA when my auto-bills and savings transfers were deducted. I brought this to the attention of USAA and made several calls stating that this was a mistake and the excessive fees are keeping the account in negative balances which in turn is accruing more fees. 

The representatives refused to remove these fees even though this was not my fault and they have accumulated to a total of {$460.00}, which is absolutely excessive. Today they told me that as a courtesy they would remove two of them, the total is still over {$400.00} dollars. Not only this they have given me poor financial advice in response, one rep I spoke to was condescending and told me that I should apply for a different credit card with a higher limit to handle all of this, I did this and it lowered my credit score. Another representative suggested that I get rid of my acorns savings app because those transfers of small amounts are what triggered a few of the fees, as though it were because of the app and not because of the fact that over {$400.00} is missing from my account. 

I had no choice but to take out a {$500.00} emergency loan from a family member just to get the account to even so the fees would stop. I asked how they can possibly justify taking {$400.00} from me over a mistake and they just repeated " there's nothing we can do. I make enough money to cover my bills and I send a small amount to savings, USAA has completely taken advantage of me, {$400.00} is greedy and excessive. Also after the way they talked to me and their " suggestions '' about what I should do, I feel discriminated against for my financial status, it's my choice to do what I do for a living even if will not make me rich, it makes me happy and it affords me what I need, it does not afford me to pay USAA 's frivolous fees for nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I sent certified letters to Equifax over 45 days ago and still haven't received any response. I'm really stressed out about these bogus accounts on my report and I've been trying to get my credit repaired since the found out my information was affected by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Bank of America has hung up on me twice after hours of waiting and denied my claim twice when my account had a fraudelent withdrawal of {$920.00} on the XX/XX/XXXX. They have done nothing but been unhelpful in getting my money back. I have still been not provided with actual reasoning on why I'm being denied and need further assistance from an institution above them.

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 2020-04-28
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: Account status incorrect

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX  XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXXXXXX - Account : XXXX Creditor : XXXX   XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2018-03-14
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX is continuing to report my mortgage loan as being discharged in my chapter XXXX bankruptcy. The loan was modified and refinanced per the modification agreement. I sent a letter and the modification documents to all 3 credit reporting companies. They are stating that the information from XXXX XXXX is correct and continue to report my mortgage loan as discharged in the bankruptcy.

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 2020-11-07
Company: LENDER LIVE
State: TX
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: Didn't receive services that were advertised

Complaint:
This company report that I have 3 different loan under this company but I actually has been only one loan one company 's already deleted form credit bureaus but the other is still pending. This companies has written off in all 3 loans with the IRS as different evictions on the same matter I had report to them this is incorrect or probably tax fraud in the end please locate the order of deficiency form IRS

Company response to consumer: Untimely response
Consumer complaint received 2020-11-12
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection account for {$210.00} on my XXXX  credit report that was reported on XX/XX/20 that isnt mine. I have contacted XXXX  and Ive disputed the account multiple times. XXXX  states that the account is verified and accurate. On XX/XX/20 I contacted CCS collections who is the company reporting the account as well as XXXX who is the original creditor. CCS agent said that the account is no longer being reported from their offices and I should contact XXXX. I spoke with 5 to 6 different XXXX  agents who obviously couldnt find any account under my ss #, address, or phone # because it doesnt belong to me. XXXX  should immediately delete and remove this account which is hurting my credit score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation