BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was first made aware that I had an outstanding debt with " XXXX XXXX '' entity when it first appeared as a derogatory entry reflecting an outstanding debt of {$830.00} ; and after extensive research and number out calls I was made aware that this is an entity owned by and/or affiliated with XXXX. I then called time warner cable approximately 8-10+ times over a period of 4 weeks, with each call having spent in excess of 30-90 minutes per call ; each time ending the call with a different promise from each representative that I spoke to confirming that they would be researching the debt, and getting back to me with a resolution. Despite these promises on numerous, separate accounts, I never received any follow up- by phone, email not by US mail to validate the debt. The only information that I was given during one of my initial calls with XXXX was that their claim appears to reflect an amount outstanding for equipment that was not turned in following the termination of my cable contract with them dating back to 2011 ; to which I made it clear that I was 100 % certain that I did in fact turn my equipment in at the earlier date to which they were referring. My issue with them notwithstanding their dishonestly and lack of cocern and follow up ; was that I wqs Never informed by any Means ( phone email not US mail ) of this alleged debt, and the first instance was almost 5 years following the date of their claim on debt, never once by the entity themselves ( XXXX or under the Alias XXXX ) ; but only on the instance in my credit report Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? Disclosure verification of debt : Right to dispute notice not received DESIRED RESOLUTION What do you think would be a fair resolution to your issue? 
Remove debt as listed on my credit reports with all XXXX credit reporting entities Immediately. The amount of time, agony and negative reflection this has caused is unacceptable, and their lack of concern for follow up ; and dishonestly about doing so is extremely concerning.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
There is a XXXX Bank account that does not belong on the report, XXXX has agreed for removal and the reporting agency keeps saying verified, this is wrong information on my name and it hurts me to the bottom. 
I have included a copy of my report as well the letter from XXXX bank showing the account in dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: ROBINHOOD MARKETS INC.
State: ME
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Yesterday I opened up my Robin Hood account and everything was fine. Then early in the day I noticed that my stocks were selling on their own. I try to login and then found that I was logged out. I tried the password recovery and never received the recovery link, which makes me assume that whoever hacked my account changed the associated email. Apparently they have opened up a robinnhood debit card in my name and have siphoned off {$5000.00} already. There is a {$5000.00} limit on the card so they will take the remaining {$5000.00} today probably. I have tried to call Robin Hood, they have no customer service number and have not responded to any emails. The debit card is drawn off XXXX XXXX and they have not done anything and refuse to. I have called XXXX and they say they cant do anything either. So Im really confused as to why three different companies cant do anything to shut down a fragile and debit card when all three of these companies are linked to the debit card. Absolutely atrocious that Robin Hood can allow fraudulent people to open debit cards under my name and then siphon funds from my account and not allow me to contact them. Please help. To be honest, I really think that this is an inside job with robinnhood since Ive had multiple problems with them and just recently threaten to sue them. Then this happens?? They had just exclusive access to my Robin Hood, seems really fishy to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Resurgent Capital Services L.P.
State: NE
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:
The philosophy of XXXX XXXX and LVNV seem to be that they allege you owe a debt and the consumer just deals with it or pays debts that are not theirs in order to finally have them removed from a XXXX XXXX XXXX. This is a direct violation of Federal Law 15 U.S.C. 1681. 

I also disputed the presence of XXXX XXXX XXXX being listed on my credit reporting file, I have not received documentation from either XXXX or XXXX XXXX XXXX as requested. I have requested signed documentation authorizing the original account be opened in my name and social security number. No documentation was ever provided by either company. I requested this in order to have the signature compared to years of my signatures to assist in prevention of identity theft and to ensure 100 % accuracy of my credit reporting file. 

I have attached a copy of my dispute letters and every tactic they have used to prevent correcting the bad information, up to and including their claim in one letter that they could not even locate my credit file, as you can see in my dispute letters, they were given their own information to identify my credit file. 

How can a credit reporting agency be trusted to ensure accuracy of the information they are reporting, when they can not even locate a consumer file with their own information and a copy of their own report included with each dispute?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Self Financial Inc.
State: MA
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:
Amidst this worldwide crisis that we are facing with all that is going on this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has repeatedly sent me a contract that does not have my actual signature on it. They have sent me the SAME DOCUMENTS TWICE, and they're not even what is required under the FCRA and FDCPA. Rent Recovery Solutions has not even sent me an original contract bearing my signature showing that I am indebted to THEM. I do not owe this company ANYTHING, and unless they show me a signed contract between myself and them AS REQUIRED BY LAW, I DEMAND they delete this account from all credit bureaus reporting it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: EQUIFAX, INC.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX  XXXX {$55.00} XXXX XXXX XXXX {$1100.00} XXXX   XXXX   XXXX {$290.00} XXXX XXXX XXXX {$150.00} XXXX  XXXX  XXXX {$440.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There are XXXX entries listed on my credit report which I have tried to remove previously. Apparently, someone with a similar name to mine filed bankruptcy twice in different cities and they XXXX appeared on my credit report. I have sent in letters as well as disputing through the online system that someone with a similar name had filed these public records and it was not mine. Unfortunately, Experian sent a letter advising that these were verified and would remain on my account. I got frustrated and contacted the XXXX and XXXX bankruptcy courts and they advised that they do not provide anyone with a debtor 's full social security number, and they definitely do not provide any credit bureau information relating to any bankruptcy cases. Experian should now that it is a violation of the FCRA to report erroneous information on someone 's 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 non-monetary relief
Consumer complaint received 2016-10-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have contacted Experian on multiple occasions to remove incorrect information from my credit report. They have refused to update. I expect them to remove inaccurate 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 non-monetary relief
Consumer complaint received 2016-04-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I requested my complete file pertaining to certain inquiries on my credit report in accordance with FCRA 609 and FCRA 611. 
This DEMAND of documents letter was sent by certified mail on XXXX XXXX, 2016 and I received acknowledgement of receipt on XXXX XXXX, 2016. After the 30 time permitted for compliance under FCRA 609 and FCRA 611, I did not receive completeness of records pertaining to the disputed items and they were not deleted after the 30 days permitted by law.

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 2016-02-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
1 ) XXXX XXXX services is claiming that I had an collection account with XXXX. I have never had an account with this company!!! I disputed this issue and the just sent me a credit card statement, That did not prove any of the circumstances of the supposed investigation they were required to preform. 2 ) The other issue is is that this account is being updated monthly and reported as open although it date of delinquency is about 5 years ago. By them re-aging this account it prevents the 7 year window from beginning. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
several incorrect spelling of last nameincorrect addressXXXX account in collections which is no longer or in existence ... this account comes up on XXXX credit reports and does not show on Equifax only my current XXXX bill.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Self Financial Inc.
State: MA
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: PNC Bank N.A.
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Mortgage was paid off XX/XX/XXXX. XXXX months later, I have not yet received Escrow reimbursement. In phone call XX/XX/XXXX Customer Service informed me they have other clients to service. 

By law, lenders are to issue Escrow reimbursement within three weeks of mortgage payoff. PNC is in violation and should be prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: MO
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:
I have been receiving multiple " pre approved '' loan offers and credit offers. I have never responded but I have come to learn that my teen step son has pretending to be me. I filed the opt out information and contacted all XXXX credit bureaus. Disputes have been filed on some but the inquiries and incorrect reports have hurt my ability to recover from bankruptcy severely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: National Account Systems of Madison, Inc
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I filed a Ch XXXX in the State of Wisconsin Bankruptcy Court docket number XXXX. Presiding over that hearing, was XXXX XXXX Ch XXXX Trustee. Included in that filing were several medical bills from XXXX held in collections by NAS National Account Systems of Madison WI XXXX XXXX XXXX # XXXX, XXXX, WI XXXX ( XXXX ) XXXX. 

Approx 3 months after the bankruptcy hearing, NAS removed all collections as active citing them under the bankruptcy. In XXXX, NAS re-aged those same medical bills, gave them new acct numbers and re-listed them as ACTIVE and reported them to the Credit agencies. I then called NAS and they removed them a second time. 

On XX/XX/XXXX, NAS AGAIN re-aged these same medical bills gave them new dates, acct numbers and re-listed them as active collections to the credit agencies. This resulted in my score dropping 44 points as of XX/XX/XXXX which is how I found out NAS had done this again to me. I have worked very hard over the past two years to rebuild my credit after filing the initial bankruptcy in XXXX and it was just reaching the XXXX score prior to NAS illegally doing this again with these discharged debts.

I contacted NAS on XX/XX/XXXX, left a nasty expletive laden voice mail to them, called my bankruptcy attorney and contacted the Hearing Officer, XXXX XXXX. I then disputed these debts as active collections with the Credit Agencies and now I am contacting you for investigation and sanctions to be levied against them ( NAS ).

The first time they re-aged a re-listed these post bankruptcy, I bought their excuse it was a " mistake ''. I let it go. However it is less than one year later after that and they have done it again. They did not call me at anytime for that would have alerted me that they were seeking to collect and they knew that these were discharged through that XXXX bankruptcy. NAS decided to again go behind the scene and place them for collections with the credit agencies. Prior to filing the bankruptcy this agency ( NAS ) hounded me constantly vis telephone for payment. post Bankruptcy this agency did call me ONCE asking for payment but instead, just re-listed them as active to the credit agencies. Now that, is BS and can in no way be construed as a simple mistake or error on their end the second time around.

Since they have violated the bankruptcy laws of WI as well as caused adverse action o t be taken against my credit score, I am seeking damages- punitive as well. I gave them the benefit of the doubt post bankruptcy the first time they re-listed these as active in XXXX. I am not giving them the benefit of the doubt this time or, letting them get away with this, this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
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: Information belongs to someone else

Complaint:
These accounts do not belong to me, please block and remove per 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
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: Information belongs to someone else

Complaint:
OFFICE OF THE ATTY GEN {$16000.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Child Support Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$16000.00} - Payment Info Status Past due 150 days Status date XX/XX/XXXX Past due amount {$16000.00} Original loan amount - Monthly payment {$450.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - 120 - - - - - - - - - - 120+ Days Late - Data Unavailable Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX TX XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account 1 collection account Total balance : {$1400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$1400.00} Balance updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
OFFICE OF THE ATTY GEN {$16000.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Child Support Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$16000.00} - Payment Info Status Past due 150 days Status date XX/XX/XXXX Past due amount {$16000.00} Original loan amount - Monthly payment {$450.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - 120 - - - - - - - - - - 120+ Days Late - Data Unavailable Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX TX XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account 1 collection account Total balance : {$1400.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$1400.00} Balance updated XX/XX/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 2015-12-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
On XXXX/XXXX/15 I submitted a dispute to Experian, regarding several errors on my credit report. Their response dated XXXX/XXXX/15 showed several erroneous accounts were removed. However, an erroneous address, which was also disputed, remains on my credit report. I have never lived, nor am I associated in any way with the address : XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-24
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
This bank Is ridiculous they respond to My Complaint after I closed my checking account they left bill pay on they send me a check this is Not fair only For {$20.00} when my bank charged me for their mistake {$150.00} in fees returned check fees when I had closed My account They never canceled today I get a letter from Them and a check Only {$20.00} and contacted the person on the letter she says if I Want the rest of the fees to File Another complaint against them For the remainder amount to be credited to me by check she said Not To Go To the bank that they are working And dont know Why they Didnt cancel The bill pay after closing my account she says she cancelled It immediately after seeing it was turned Im and agreed its not My Fault For their mistakes thats why she credited me for the error but their is more Money owed to me td send me {$100.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-16
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There is a mortgage listed on my personal credit file that was never XXXX I obtained. I never took a {$620000.00} mortgage out. I want this inaccurate information remove from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation