BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I  have sent a Mutilpe Inquiry l etter on  XXXX    XXXX  ,2017 and less then a week later I get a letter stating that the inquiries on my credit report are factual and will remain on my report. If they sent me a letter  XXXX  days l ater that meant they did not investigate whether or not th e inquiries are mines and just sent their generic letter. Experian did not investigate fully and I have asked multiple times through mail, online Disputing and calling and they will not remove the inquiries.

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 2017-04-27
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report on  XXXX   XXXX ,    2017 & saw  a new account from  Diversified Consultants  was added. I was not sent anything in the mail stating that this would be added to my report. I did not have a chance to dispute this debt. This has caused my FICO score to decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Diversified Adjustment Service, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have received numerous phone calls from a debt collector nam e Diversified Adjustment ev ery day in reference to a debt they say I owe to  XXXX . They want my checking accounts numbers or debit account numbers over the phone in order to satisfy this debt I said to have information written to me so I can send this payment owed with a checking account. Again I do not kno w Diversified Adj ustments and the constantly call. I tried to send a email but the email server said they do not exist. The number they use is  XXXX   (   XXXX   )   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 2017-04-27
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:
I disputed the incorrect information in my credit and they make no effort to make accurate change to this record. This account was paid in full and they keep reporting it to my credit.After multiple disputed. Also there 's a tons of unauthorized inquires, reporting late payments on student while account was in deferment/no payment was require. I also want to mention  XXXX   XXXX   XXXX   as inaccurate as well+a late payment been report by them as well. Please help me solve this issues. It 's unfair for them to be treated me like that, I feel like I am not being treated equally.

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 2017-04-27
Company: Experian Information Solutions Inc.
State: IA
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:
XXXX  has manipulated my payments. During the last 12 months, instead of  XXXX  entries to my amortization schedule,  XXXX  proudly presented me with a  XXXX  page report with  XXXX  entries to my account. Criminals do this to launder money. They just need to adjust to the amortization schedule, go back to the principle and interest on the original loan, and report to the credit agencies my prompt payments This problem started when they failed to pay my real estate taxes, paid the balance twice which put me in a contrived deficit. The misappropriate escrow funds, misapplying my payments. These people are unable to process payments and should not be allowed to do so. If legal ethics were applied, they would be considered out of trust and be banned from practicing 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 explanation
Consumer complaint received 2017-10-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
As of pulling my credit report recently I realized that XXXX XXXX credit card account that was alleged/supposedly debt from XXXX was still reporting to credit bureaus as of XXXX XXXX as derogatory. This debt or account has never been validated to me in writing. It is also expired alleged debt of over 7 yrs old, statue of limitations has expired in the state of NY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-16
Company: Experian Information Solutions Inc.
State: WA
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 went through bankruptcy recently and 1 account I kept from XXXX is showing that during my bankruptcy filing I was 150 days late for payment. I did pay my account and its even in good standing. Credit union says it reported it was always on time but Experian and XXXX shows it was 150 days late. Tried to reach a live person from both bureaus with no success. Maybe during bankruptcy account was not reported for several months and thats what triggered no payments made on 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 non-monetary relief
Consumer complaint received 2017-04-27
Company: EQUIFAX, INC.
State: NY
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:
I tried to respond to complaint  XXXX  but it was closed. First corrections do not seem to be sent to every credit agency. Second I do not believe what has been reported is true and accurate information under the Fair Credit Reporting Act. Please provide proof of all statements and accounts you claim I did not pay on time. All  XXXX  accounts and history of all  XXXX  statements/bills and proof that all  XXXX  are indeed mine. I am disputing I ever had  XXXX  delinquent accounts.This is not fair reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Enhanced Recovery Corp  is the agency representing  XXXX  who is the original creditor for this account collected against me for the amount of {$1500.00}. I found out that they reported it again by  XXXX ,    2016.  I have sent letters and complaints about this account ; I have being asking for  XXXX  to open an investigation since the time the transaction was done to find out who steal my identity, also how and where they did it?, I am trying since yeas ago without any success. In fact, they refused to open an investigation and still forcing me to pay for  XXXX  devices I never purchased in firs place. I am statementing that I have being a victim of Identity Theft and harassment from  XXXX  and  XXXX  collection agencies related. I need help, please. This is illegal and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On  XXXX / XXXX /   2017   XXXX   XXXX  was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment.   XXXX     XXXX  never responded to my letter.   XXXX   XXXX   was stating that I owe  XXXX . After the letter was sent, I checked my credit report on  XXXX   XXXX ,  2017  and the balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today  XXXX / XXXX / 2017   XXXX   XXXX  jumped the loan amount back to {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
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: Was not notified of investigation status or results

Complaint:
On  XXXX / XXXX /   2017    XXXX    XXXX  was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment.   XXXX     XXXX  never responded to my letter.   XXXX   XXXX   was stating that I owe  XXXX . After the letter was sent, I checked my credit report on  XXXX   XXXX ,  2017  and the balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today  XXXX / XXXX /   2017   XXXX   XXXX  jumped the loan amount back to {$50000.00}.

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 explanation
Consumer complaint received 2022-04-25
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Some one use my XXXXXXXX credit card on XX/XX/2014 for XXXX and now midland credit want me to pay XXXX. This charges wasnt mame by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/XXXX, I sent a letter by email requesting that Equifax investigate or delete disputed items from my credit report as well as remove these items from my report during the investigation period. I would like to point out this is a discriminatory practice. Equifax has decided to violate federal credit laws. 

As an XXXX-American I have been denied credit based on the incorrect information and the failure of the credit organization to remove the accounts. This is dead weight that has impacted heavily on my credit score. 

I have 10 closed accounts on my credit report that should have been removed ten or more year 's ago. Including a paid XXXX XXXX account from XXXX. 

Equifax refused to respond to my inquiries. Because of the failure to report accurate information I was declined a XXXX XXXX because of incorrect and inaccurate information. 

As of this date, Equifax failed to respond to my requests. 

XXXX XXXX XXXX XXXX XXXX is still investigating the matter regarding Equifax adding derogatory information after they were told to remove it. 

Equifax illegally put derogatory information on my credit report. The Under Writer from XXXX picked it up and I had to contact XXXX XXXX to alert them and let them know. XXXX XXXX executive team reached out directly to leadership at Equifax. Their behavior is totally unethical at best. 

I still to date have not received any update on any of the disputes. Nor have I received a updated credit report from Equifax. 

The XXXX XXXX XXXX contacted Equifax on XX/XX/XXXX. Equifax held the complaint for two weeks and failed to resolve the issue. Equifax incorrectly told the XXXX  XXXX XXXX they did not know nothing about me or my complaint yet we have an actual email from Equifax addressed to me. 

They refused to work with the XXXX XXXX XXXX. In addition they lied to the NYS Attorney General back in XXXX. They failed to correct or remove anything. 

The credit report was sent to CEO XXXX XXXX and President XXXX XXXX. I also sent over all of the disputed accounts XX/XX/XXXX. 

The law stipulates that Equifax must investigate within 30 days of receiving my letter and respond within 5 days of completing the investigation. They have not followed the stipulations of the law. In addition, I filed 13 disputes and they closed each one without responding or removing any of the information. 
They are beyond reproach. A data breach settlement of, {$570.00} XXXX yet the behavior continues. They do not care about consumers. They in fact are a part of the problem. 

I need to rely on an accurate and complete statement of my credit profile. They have been told multiple times to remove this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dont have a amount and dates unknown there are several inquires on my r eport thats unknown and unknowledgeable i would like for them to be removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have XXXX Bank account ending in # XXXX appearing on my Experian credit report. I 've disputed this account with them and it still remains even after the company states that the account does not belong to me. Please get this account removed ASAP. It has a huge negative impact on my credit report. Please find that I 've included the letter from XXXX that states that the account should be removed.

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 2016-05-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Issue Unable to get my credit report or credit score : Problem getting my report or credit score Describe what happened so we can understand the issue ... 
When I went to the Free Annual Credit Report website and provided my information " TWICE '' it got to the downloading report message and just stayed there. Nothing was ever down loaded or shown on the screen. I attempted to contact the company but they have noting but a phone look and no way to talk to anyone to resolve the problem. I am afraid my information is out in cyber space somewhere for others to see and I am afraid my credit score has been negatively affected by trying to access my report twice. I believe there is some false information on my report and that is why I was trying to access it along with we are looking to buy a home and wanted the information for that purpose. A phone number is needed for customer service so people can contact and speak with a human to resolve a problem. I even tried obtaining a phone number from the Consumer Financial Protection Bureau to get a phone number for customer service from the Free annual credit report and they did n't have any other than what I had.

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 2017-10-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a dept on my Credit report which is not mine. I have spoke with the company a while ago and its still being reported. I do n't know what else to do but file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: EQUIFAX, INC.
State: GA
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:
Equifax deleted my chapter XXXX after i put in a complaint with cfpb then put it back on my report after

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Netspend Corporation
State: DE
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
Net Spend has sent a visa to my work, to my home, sent text messages and emails. I have asked that cards not be sent to me and to take me off there contact lists and yet I still receive info from them. I did n't give them any of my addresses. I did n't request there services and it is impossible to get them to leave me alone. Customer Service will not help and they wo n't let me speak to a manager. I text stop to there text messages but they continue to come and the email address I got from the paperwork they mailed me came back undelivered. Please help me make them stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: CHS, Inc.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had XXXX medical bills that were extremely high to pay. I was told to submit an application for financial assistance. On XXXX separate occasions I was contacted by letter being advised that they needed some additional info., which was provided each time. The process took quite some time, but it was eventually processed, and during this time I told time that I would pay what I could, which I did. During this time the health center 's billing dept. turned this acct. over to collections ( SCA ) and they took little to no time placing it on my for credit report. After my application was finally reviewed and approved, the bill was retracted and adjusted. The health facility took full responsibility for their error and retracted the bill, so when I call SCA they said the balance had been taken care of and that I owe {$25.00} which they were advised was already paid, they said they never posted anything on my credit report, which was n't true, I told the gentleman that I 'm sitting here looking at my credit report. The next day I called back and spoke with another rep. and was told they would be updating their information on the XXXX of the month, well here it is the end of the month and no update, the acct. still shows as being in collection, status is still unpaid and acct. still open. This has been a total waste of my time dealing with them and they clearly do n't care and have dropped the ball pertaining to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: ORG GC GP Buyer, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since XXXX 2015 I 've received numerous calls on my prepaid cell phone which has been on national do not call list for years. The caller ID shows that the caller is XXXX. I tried calling back that number today and was put on an endless loop of " Your call is very important to us. Please continue to hold for the next available rep. '' After 5 minutes of waiting on hold I hung up. Next I called the number given in the many voice messages left on my phone by this caller. The voice msg only said call XXXX XXXX at XXXX. It did not identify any company. I waited on hold for approximately XXXX minutes with the same message repeating over and over and finally XXXX XXXX picked up. i asked to speak to XXXX XXXX. She said XXXX was away from her desk. I asked XXXX what the name of her company and she said GC Services representing the state of Illinois XXXX XXXX XXXX and asked me if i am XXXX XXXX. I asked XXXX what the call was about and she said this is an attempt to collect a debt. I said what debt. She said the state of Illinois XXXX of XXXX. XXXX also asked me to verify my social security number but I refused to confirm or deny that. I told XXXX I 've never lived in Illinois, I have her on speaker and do not call me anymore. It 's my understanding that these kind of debt collection calls are very common right now. Somebody should look into this. What good is a National " Do Not Call '' registry if anyone can get your cell number, annoy you, waste your precious prepaid minutes and your time and get away with it?!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I went to XXXX XXXX for XXXX and being that I worked in the morning I went to evening classes. Only to find out there was only a teacher there to teach me 2 days out of the 5 day week. I 'll be thrown into the lower level classes to watch them do the SAME thing I just passed. It was n't fair! I feEl that school took my money for the loans and I do n't think I should pay that back. I started in XX/XX/XXXX and left in XX/XX/XXXX.

Company response to consumer: Closed with explanation