BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I tried to dispute some items with Equifax that I believe to be inaccurate but I received my request back which makes no sense. I have attached all the information I sent as well as proof of what they did. This to me is a way to avoid investigating my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: AmeriCollect
State: IL
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:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have an account at XXXX XXXX and XXXX XXXX XXXX. My direct deposit goes in on Friday with XXXX XXXX AND XXXX XXXX XXXX on Friday therefore, on Saturday XXXX XXXX and XXXX money is in my account. But, Suntrust posts my money on Monday. There are people on my job who banks with Suntrust their money is availbale on Saturday to with draw out of their accounts. It looks as if the deliverably post my money on Monday to create fees. When made the direct deposit at the beginning of the account it was in there on Saturday. Now, they manipulate my deposits in the past 5 years to charge me fees. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Why is my money not deposit like my collegues at work. We all get paid at the same time.

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 2020-03-19
Company: EQUIFAX, INC.
State: WI
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:
On XX/XX/XXXX I started receiving notifications from my credit monitoring services that the below collection account was added to all 3 of my credit reports : XXXX XXXX, XXXX XXXX XXXX-XXXX XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00} COLLECTION ACCOUNT I NEVER HEARD OF THESE PEOPLE AND ABSOLUTELY DON'T UNDERSTAND HOW THE CREDIT BUREAUS ARE ALLOWED TO ALLOW PEOPLE TO REPORT UNTRUTHFUL, INACCURATE LIES CALLED INFORMATION ON MY CREDIT REPORTS. I

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have two loans from XXXX XXXX that have been consolidated, but are still showing on my credit report. 
They were both opened on XX/XX/XXXX and closed on XX/XX/XXXX. 
The first one is for {$5500.00} and the second is for {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: Continental Finance Company, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
Recieved voicemail from a XXXX at XXXX saying to call within 24 hrs. I called told it was an attorney for Continental Finance and they are ststing civil action to collect {$520.00} for a XXXX I never had. When I asked why not on my credit report he said it was up till 2012 then company didnt want to pay to report. I asked him to send info and he said good luck and hung up. This appears to be a scam.

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 2018-05-30
Company: AMERICAN ADVISORS GROUP
State: LA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filled a complaint a week ago pertaining to a Reverse Mortgage with AAG they responded with justication that didnt include pertinent information saying they did things according to HUD requirements they gave me estimate again and not actual!! Just No answers! Show me proof that they have tried to help me? Yes we have spoken many times but no resolution and why cant just one person walk or talk me though I am a Senior Citizen speaking to so many people asking for things and when u send it you speak to someone different and then they ask for something else how did they address my home being foreclose on before my husband was dead a year well simply more date days after anniversary of death to XX/XX/XXXX! Well again where is the help for Seniors and what shall I do about my Living arrangements with my XXXX XXXX XXXX  and It just confirmed I have XXXXXXXX XXXX in my The house Thur testing company! One of the people I spoke to told me that my cirstances were not the normal, therefore I expect more from any company that has program geared to seniors! That movie Star that advertise for this Company needs to drop them and take out the words that this program help Seniors because it hasnt helped me!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Experian Information Solutions Inc.
State: IN
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, and, Account # XXXX. XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C. 1681 Section 604 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Experian claimed this was not reporting on my credit report so I will add whole credit report.

Thank you

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 2016-12-20
Company: Franklin Collection Service, Inc.
State: CA
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 was contacted by the company, Franklin Collection Services on XXXX XXXX about an apparent debt that I owed to XXXX. I informed the woman on the phone that I was not aware of a debt to XXXX and would like a letter from XXXX stating what my debt actually was. She said that it would take time to get the letter but that calls would continue until then. I understood this and someone else called around a week later and I stated that I was aware of their companies attempt but that I was still waiting on the letter from XXXX. She said she saw the request and hung up. Then today, XXXX XXXX, I receive a call from a male employ at the company and I state that I 'm still waiting for the letter and he rudely informs me that the letter is not coming because I do n't rate XXXX. I explain to him that I previously requested this letter and XXXX previous employees told me it was coming and counters with that I 'm not getting XXXX because I did n't ask in writing. I tell him that this is right to lie to people and it is against the law and he tells me I do n't know what I 'm talking about. I then tell him that I 'm aware he works for a company that gets paid based off these abilities to collect and he again tells me that I do n't know what I 'm talking about. He then cuts me off in the middle of my sentence and asks me if I 'm just going to pay the debt or not and I tell him no, not without the letter and he says that I am being written down as a refusal to pay and hangs up on me.I look up my rights through the cfpb information database and call them back and tell them that they have violated my rights by lying to me and they put me in touch with the supervisor. As soon as I tell him that I am aware of my rights, he is able to immediately supply me with a form from XXXX that supposedly I did not rate up until the point that I informed them that I was aware of my rights. This is very shady and bad business in my opinion and know I honestly do n't know if I can trust this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In 2017, I began a 3 year lease and set up an automatic payment with XXXX XXXX with my checking account. For the 3 year period, I made payments as planned. The last few payments I made were not accepted by XXXX XXXX. They claimed that a tax change to the lease changed the payment amount so they could not accept payment. When they began calling from unknown numbers, I was traveling and did not pay attention to this until a few weeks later. 
XXXX XXXX refused to accept payment and reported to the credit bureaus that I was missing payments. This should not affect my credit score and I asked XXXX XXXX to rectify the error. Even though the remaining lease amount was paid in full before the end of the lease, they refuse to even make an attempt to change my record. 
I've disputed the issue with the credit bureaus and most I've heard back is that XXXX XXXX told them that the erroneously reported late payments are correct. 
I never missed the lease payments and was making them on time. XXXX XXXX is at fault ( if anybody ) for refusing to accept my payment, but they took it a step further by putting a negative mark on my credit report. I should not have bad credit for missing phone calls. 
Attached is a statement from the beginning of the lease showing an auto payment deduction from my checking account.

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 2016-11-06
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting information that was submitted with an identity theft report and police report. These fraudulent accounts/debts should no longer report on my credit file. 

If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Allegiance Accounting Services, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I contacted this company on XX/XX/XXXX at ( XXXX ) and i specifically stated to the person i talked to that i did not wish for them to call me again. She stated that " she didn't understand my request '' and that i will have to deal with this in court. On XX/XX/XXXX, they attempted to contact me again using the same tactics using a different phone number ( XXXX ). I believe this alone is a violation of federal laws and i ask that this matter be brought to your attention to bring these thugs in line.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: MI
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:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2020-04-20
Company: Experian Information Solutions Inc.
State: TN
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 credit report shows XXXX accounts XXXX & XXXX were reported 90 days late on XX/XX/XXXX and 120 days late on XX/XX/XXXX. Both of these trade lines are wrongfully negatively impacting my credit rating and as a result I have been denied credit and/or extended credit at a higher interest rate that I would have had these trade lines been correctly reported. The attached transcript ( XXXX Transcript ) clearly states that my XXXX degree was awarded on XX/XX/XXXX. According to StudentAid.Gov, an official website of the U.S. Government ; " Direct Subsidized Loans and Direct Unsubsidized Loans have a six-month grace period before payments are due ''. It also states " if you received a PLUS loan as a graduate or professional student, youll automatically get a six-month deferment after you graduate, leave school, or drop below half-time enrollment. No payments are required during this six-month deferment period '' ( see highlighted section on page 3 of attached Student Loan Repayment _ Forebearance Period.pdf ) My graduation date was XX/XX/XXXX ( see highlighted section of XXXX Transcript.pdf ) therefore my graduate student loans were under a six-month grace period and would not have been due for repayment until XX/XX/XXXX. XXXX has incorrectly reported these two trade lines as late. Per the Fair Credit Reporting Act ( FCRA ) I have the right to dispute incomplete or inaccurate information ; Inaccurate information must be corrected or deleted within 30 days ; and I may seek damages from credit reporting data furnishers for FCRA violations. I have disputed these negative entries in the past but XXXX came back and said they were correct. Based on the information/documentation provided these are clearly not correct ; therefore I demand that these two incorrect trade lines be removed from my credit report immediately.

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 2020-03-19
Company: Experian Information Solutions Inc.
State: WI
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:
On XX/XX/XXXX I started receiving notifications from my credit monitoring services that the below collection account was added to all 3 of my credit reports : XXXX XXXX, XXXX XXXX XXXX-XXXX XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00} COLLECTION ACCOUNT I NEVER HEARD OF THESE PEOPLE AND ABSOLUTELY DON'T UNDERSTAND HOW THE CREDIT BUREAUS ARE ALLOWED TO ALLOW PEOPLE TO REPORT UNTRUTHFUL, INACCURATE LIES CALLED INFORMATION ON MY CREDIT REPORTS. I

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 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
On XX/XX/XXXX I started receiving notifications from my credit monitoring services that the below collection account was added to all 3 of my credit reports : XXXX XXXXXXXX XXXX XXXX XXXX-XXXX XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00} COLLECTION ACCOUNT I NEVER HEARD OF THESE PEOPLE AND ABSOLUTELY DON'T UNDERSTAND HOW THE CREDIT BUREAUS ARE ALLOWED TO ALLOW PEOPLE TO REPORT UNTRUTHFUL, INACCURATE LIES CALLED INFORMATION ON MY CREDIT REPORTS. I

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 2016-03-28
Company: United Consumers Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company left several messages over a span of a month or two. The messages were intimidating and aggressive - the recorded voice emphasized that it was important that the listener be in a private location and only be the person intended for the message. There was no reference to a specific debt the company was trying to collect. When I called the company I told them that I was not the person they were trying to reach, they did take me off their list. But based on the nature of the message and its tone, I 'm afraid they may be intimidating others, especially elderly people.

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 2022-03-27
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
My XXXX XXXX XXXX credit card is now Marcus by Goldman Sachs. I lost my XXXX  XXXX card and called them for a replacement on XX/XX/2022 I was told that the card would be shipped via XXXX and that I should have it soon. 

When I had yet to receive the card, I called Marcus by Goldman Sachs again on XX/XX/2022 and was told the same thing again. 

Here it was on XX/XX/2022 I called them again because I still have yet to receive a card and only keep getting told that it is ordered and on the way. I know it should not take this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
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:
I found out that there is a XXXX XXXX account on my credit report in negative standing ; I found out about this account today XX/XX/20 when I got my credit ran to buy a new car. I did not qualify for the car loan due to this account that I never even opened. I did not allow anyone to open this or any other account in my name using my personal information and I have never opened any type of account with that company. I don't know much about this account but for now, I have done what I can in order to get this cleared up such as notifying the company reporting the account as well as filing a police report. I did not benefit anything from this account that was opened on my behalf nor did I ever contribute to any payments made towards it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Pinnacle Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This account was open as a result of identity theft. i have never had an account with XXXX or Pinnacle Credit Service. I have also sent XXXX Affidavits to both Pinnacle Credit Service and to all XXXX credit agencies who stated that Pinnacle stated that they verified that this debt belong to me. How did they verify debt with the credit agencies but have not verify the debt with me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Last year, I had a Bank of America business credit card which became delinquent. I was never notified of this fact and they removed the card ( along with my ability to p ay ) from my o nline banking with NO notification whatsoever. I started receiving calls asking me to verify my account, which I would n't do because it sounded like a scam. I had spoken to them prior and told them I was out of work but would make payments when I could ( seeing as I 'm a 20 year customer, I figured they would be human about it ). This is when they removed my account, even though I was actively making small payments to it. When I called to complain, they said that it is their policy to remove delinquent accounts. NO notice was ever sent. I emailed  XXXX   XXXX  the  CEO several tim es telling him I want to make payments, but I need to do so online and not on the phone when some random operator calls me expecting me to give them my account info. He had someone named  XXXX   XXXX  call me and I explained I was trying to pay but need my account back. She said not, it is n't their policy, then they confiscated {$1300.00} from my account without my permission. When I filed the last complaint, they responded saying they could n't find my account, and apparently the case was closed. They ca n't even find my delinquent account but I 'm supposed to give my info over the phone? They never notified my of any of this.

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