BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-19
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The institutions are implying I filed XXXX bankruptcies within a 2 year span. This was the same case and was discharged XXXX/XXXX/2012. It was initially filed in the XXXX Bankruptcy Court XXXX XXXX This is allowed because of the closeness XXXX. ) I was a XXXX resident at the time. XXXX of the creditors, XXXX XXXX XXXX protested the XXXX XXXX Courts XXXX and the case was dismissed on this technicality and reopened XXXX. The other sited dismissals are movements through the court or a conversion from Chapter XXXX to XXXX. Mortgage Investors denied my XXXX Dream mortgage based on this inaccurate information. Whoever reported this did not read the case and reported this in bad faith and in lieu of an understanding of Bankruptcy law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: Account Control Technology, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi my name is XXXX XXXX and I 've been on the XXXX XXXX since XXXX XXXX, 2015. This company Account Control Technology Inc has been giving me a hard time after I contacted them when the IRS send me a letter stating that they took my income tax. That 's when I called them to ask why did n't they notified me if they we 're collecting for my account No : XXXX XXXX XXXX XXXX, XXXX, Ca XXXXXXXXIs the agency attempting to collect the debt. 
I paid my default XXXX XXXX XXXX. Loan to be Tooken off default but they seem to be giving me the run around. That would mean their lying about if I made my payments on time they would take me off default so offset could be Tooken off so I could receive my taxes this coming year. 
This was a hardship because I 've been left without a car for eight months. 
Since XXXX XXXX XXXX XXXX did my taxes and now this agency put me indeed even more I owe XXXX COLSE TO {$600.00} AND they been calling tocollect this agency took XXXX with XXXX and XXXX XXXX XXXX XXXX charge for filling is missing. 
XXXX and XXXX = {$3200.00} so where is the rest of my money. I need help please. Thank u and XXXX bless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XX/XX/2016 we applied for a RV loan of {$35000.00}. We were denied. Our bank informed us that my husbands income could not be verified. We met with the bank and they could n't understand the problem with our application. It sounded like our social security numbers were mixed up and my husband has an additional social security number. Ca n't tell when this happened. My husband submitted a dispute to Experian online and so did I because it effected mine also. We have not been contacted by anyone from Experian and the bank ca n't do anything. We know this is a problem but we can not fix it.

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 2015-08-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to start a dispute with Experian but they refuse to give me my report or answer the phone. Because Experian have again changed my address and are reporting information that is not mine on my credit report, the questions they ask online for authentication do not pertain to me because Experian are again reporting wrong information about another person on my credit report. I have sent them the Authentication documents now XXXX times, yes that is XXXX times and still they do not get it right. I have cost me {$4100.00} in phone calls and faxes and mail costs to try and get a correct credit report from these people. Today I spent over XXXX hours on the phone with XXXX or some such place telling the same story over and over again to people who hardly speak English and have no idea about the XXXX postal system. Eventually I got connected via XXXX back to the XXXX and had to start all over again. I want to know when am I going to get my credit report so I can file a law suit and get the costs back for the erroneous credit reporting and continued damage done to my financial reputation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
EXPERIAN continues to violate the Fair Credit Reporting Act willfully by not removing an erroneous Tax Lien showing on my personal credit report. I have written them by US Mail twice and they still fail to address the situation. I have contacted the IRS and they have informed me the best step is to file a Lawsuit to have this erroneous tax lien removed from my credit report. The Tax Lien showing on My EXPERIAN CREDIT REPORT IS NOT MINE. 

This is causing substantial harm to my credit report and yet XXXX XXXX continues to violate the Fair Credit Reporting Act and will be held liable if this does n't get removed immediately. 

I have also contacted and filed a complaint with the FTC and also the ATTY General both here in Texas where I reside and where EXPERIAN maintains their main corporate offices in the United States 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 non-monetary relief
Consumer complaint received 2016-02-27
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is the continuation of efforts of the credit reporting agency to increase profits, regardless of verification of item, to ensure that they can continue to evade the required verification, they restrict disputes through their website or other means, while maintaining inaccurate information. The social security administration in 2005 found that they issued the same information and social security number to XXXX liked named information, in such, per the name changed for the record, and thru the SSA, my name is XXXX XXXX. Experian still regardless of the fact that the name listed on my credit report to my social security number, still maintains the inaccurate information, and thereby maintains and lists information on my credit report from the inaccurate person. In their response to dispute they inform that the verification is their paying corporations, and that whether actual verification of not to the true identity, their paying corporations are superior to factual verification. I herein state that if they remove the inaccurate, names that appear to my credit profile, then all the inaccurate credit entries, inaccurate inquiries associated with those names, then all of my credit disputes would be satisfied. Experian avoids compliance by denying consumers the right to dispute, which inofitself violates the standards of fair and accurate reporting. I herein request that they remove all names that do n't verify with my assigned social security number, and all inquiries that are n't associated with my actual name and identity based upon the issued and assigned social security number.

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 2016-03-11
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX have potentially negative on my account even doe i haven miss a payment. in XXXX XXXX XXXX contacted me and wanted me to send them paperwork for payment for XX/XX/XXXX and XX/XX/XXXX. i could n't and they was taking about taking my car if you take a look at my account from XXXX XX/XX/XXXX tillXXXX XX/XX/XXXX never miss a payment. I end up paying XXXX extra notes to catch up because i did n't have paperwork, now XX/XX/XXXX enough payment is missing. that potentially negative need to be removed. also my account started at XXXX XXXX and it still have n't move bal XXXX after 21 payment made please invastigated this company.

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 2016-01-14
Company: MORGAN STANLEY & CO. LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
During XX/XX/XXXX we obtained a line of credit from Morgan Stanley Home Loan ( MSHL ) for the amount of {$200000.00}. We used this line of credit throughout its 10 years period. It matured XX/XX/XXXX. When it matured XX/XX/XXXX, we asked MSHL to give us some time to refinance it and payoff their loan. They did cooperate with us and we did continued making payment on time paying even above the regular payment. 
On XX/XX/XXXX we received a set of loan document from MSHL regarding a new Home equity Line of Credit Modification. The fees were very excessive, we told them that we are not interested in that loan. XX/XX/XXXX we send them a qualified letter ( RESPA 12 U.S.C. Sec. 2605 e ) and requested complete history and documentation for this loan. The reason for this request was that we received a check in the mail for small amount from an attorney for a class action settlement for MSHL misconduct and mishandling mortgage loans. Meanwhile we were making our regular monthly payment timely and sufficiently. 
MSHL after receiving our request RESPA letter, not only did not respond to our RESPA letter sent through certified mail, they transferred the servicing of this loan to XXXX their Collection company. They also stopped accepting our payment. We insisted on making our payment. They refused to take the payment. 
Since then, we have been trying hard to get a complete history of this loan to pay it off. We have not been successful Until a few months ago, we filed a complaint through Consumer Financial Protection Bureau cfpb. Thanks to cfpb we did finally got a satisfactory response to our request on XX/XX/XXXX. 
On XX/XX/XXXX we responded to their response. We brought to their attention a few mistakes in their response and also stated to them that we are ready to settle this loan immediately. The amount of the settlement has to be {$180000.00}. This is the amount of the loan at the time they stopped accepting our payment and were not able to give us a complete loan history according to RESPA law. 
So far we have not received any response to our offer dated XX/XX/XXXX. We are getting automated letter and settlement demand from XXXX for much higher amount. We expect a response to our offer of settlement. We have set aside {$180000.00} for paying off this loan for the past several years. We are still waiting to get a response and fair settlement for the right amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian stated it " verified '' and validated an alleged Chapter XXXX Bankruptcy. However, when I contacted U.S. Bankruptcy Court it stated it " does not '' verify or validate bankruptcy filings. I have repeatedly requested Experian submit its investigation verification and validation process, it has denied my request and continues to report inaccurate credit file information. Experian has also reported that my now closed XXXX XXXX credit card account was included in and discharged in Chapter XXXX bankruptcy, which is false and inaccurate. XXXX states it did not report such to Experian and Experian states it was verified by XXXX XXXX. Experian is reporting inaccurate credit file information for Dept. of Ed/XXXX by reporting fraudulent duplicate accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting a late payment on my XXXX account. That entire payment was removed from my account as a result of being fraudulent activity. There should be no late payment shown.

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 2017-01-21
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: APR or interest rate

Complaint:
CITI double cash card lied and they will not fix the account. They are charging interest on a card that is supposed to be 0 % on purchases and transfers, but they are trying to say it is only transfers. It is clear on the offer it is both, and I want my interest fees refunded.

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 2015-07-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
We advised the credit bureaus that XXXX, XXXX XXXX and XXXX furnished them with incomplete and inaccurate information. Review the attached documentation which was sent to each of the aforementioned banks. They detail inaccurate information we were given at he time of hurricane XXXX. The incorrect information was relied upon to make financial decisions we would not have otherwise made. We wrote to each individual bank and have escalated it to the highest level and have filed complaints with the Consumer Protection Agency. We have also filed complaints on-line and made telephone calls directly to each of the credit bureaus. We stated that the information reported by the banks was inaccurate inasmuch as it does not reflect the entire circumstances of events fairly. IT DOES N'T TELL THE WHOLE STORY. This is a violation of our rights under the, " fair credit reporting act. '' During hurricane XXXX both XXXX and XXXX XXXX verbally authorized via the customer service department a Disaster Relief program and/or moratorium of mortgage payments. At that time, neither bank fully disclosed how the waived payments would be repaid. We were told by both institutions that the missed payments would be added to the end of the loan. Both institutions told us after we had already taken part in the moratorium of mortgage payments that they must be paid in full at he end of the waived period. XXXX involvement is limited to having bought the loan from XXXX and has continued to report us late to the credit bureaus. However, since XXXX took over our loan in XXXX 2014 we have not missed or been late with a mortgage payment. Furthermore, if you research the history of loans with XXXX and XXXX XXXX, you will find that we have never been late or missed a payment and we are not in any foreclosure proceedings. However, the past reporting which still remains on our credit report has caused irreparable damage to our credit scores, my employment and our quality of life in general.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX/XXXX/16 a dispute and validation of a bankruptcy being recorded on my credit request was made to Experian in regards to inaccurate information contained in the credit report. I received a response back from Experian that they would not investigate the matter further as they verified the information. I personally went to the court and was told that no one from Experian attempted to validate the information and that the court does not submit any information to credit reporting companies. Experian continues to refuse to show or provide the method of validation of this information. As the court themselves has not validated. The utilizing a third party to verify information violates both legal and fair credit reporting guidelines.

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 2017-02-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I have submitted a complaint with the annualcreditreport.com website but have not heard back. I have on several occasions since XX/XX/XXXX attempted to get my credit reports from that website but every time each of these sites say that they are " unable to provide my credit report, and to submit requests by mail '' with multiple different documentation at my own expense. I have not been able to get my credit report from Experian or XXXX in over 3yrs and have not seen my XXXX in over a yr. How can I know if my identy has been stolen if these companies prevent me from checking my information, and how can it be a " free report '' if I have to spend money to copy/print and mail additional information at my own expense?

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 2015-08-24
Company: CBM Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had some electrical work done on my property. The man that gave me the quote over the phone stated it would be $ XXXX {$400.00} depending on how much the permit was. I gave him the go ahead to do the work. The work was completed. About 6 months later I get a call about owing {$620.00}. I tried calling the owner ( man who quoted me ) and his answering service said that he was out of state on a job and he would have to call me back. Never heard back from him after at least XXXX calls to his office. I then get a letter from a collections company in regards to this debt. I asked for proof of debt. I received a invoice for {$620.00} from the company and that was it. How can a company just make up prices and then put it on someone credit report?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Eagle Accounts Group, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Found a collection account from child support when I dont owe any money or even have a active case they fraudulently put it on my XXXX   credit report and its wrong

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 2016-04-22
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Citifinacial received a default judgment against me in XXXX XXXX. In XXXX XXXX I settled the charged off account with Citifinancial. Since XXXX I have attempted to work Citifinancial and XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX, SC office to get a Satisfaction of Judgment submitted to XXXX County Clerk of Court. Attached is a copy of the settlement offer and also a copy of the letter I received from Citifinancial showing the charged off account was satisfied. They refuse to submit the satisfaction of judgment information and this continues to negatively affect my credit standing and causes me to incur higher interest rates and fees or being outright denied credit. 

I am also submitting a complaint to the Consumer Financial Protection Bureau, XXXX, as well as seeking legal representation for damages caused by Citifinancials ' inaction. 

Judgment number with XXXX County : XXXX Account Number with Citifinancial as shown on credit report : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
American Express has pulled my credit 5 times!!! On a single application for a XXXX XXXX my XXXX credit report was Pulled 4 times!!! And XXXX XXXX time .. and AMEX refused to removed and my application is denied!!!! I dont have bad credit and I want this company to removed 4 inquiries from my XXXX credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-04
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Penn Credit ( previous case XXXX ) is attempting to collect a debt again that is not mine. I have gone thru this over and over numerous times over several years. Every time I challenge them, they can not prove the debt is mine and they remove from my credit for a few months and then try again. I currently only have a debt collection letter from them. How do I stop these repeat attempts?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation