BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have reached XXXX XXXX XXXX for the past 2 months trying to to settle the debt, I learned to have two months ago via credit report, they posted the unpaid-debt on my credit bureau 2 mts ago Despite my efforts, they continue to give me the round around and sent my account to charge off. Need help solving the issue and have the company send me an agreement/settlement in writing.

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 2021-05-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft, I am tired of going back and forth with this company and get nothing. I want these items removed, They are breaking the law reporting inacurrac=te information, Nonne can tell me who was contacted. how it was verified, and I don't want ti was verified by the computer e Oscar, I want a person who was spoken to and all information. I have done my own research and I know they are fraud, REMOVE FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The US Treasury Department states I owe XXXX for a money order that was returned to the Post Office in XXXX 2016. The Post Master XXXX XXXX is in possession of this money order. I am being charged XXXX in fees plus the money order XXXX total XXXX. I have complained to the US Department of Treasury as well as disputed with the collection company. I have proof this money order was returned. Please delete from my 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 2015-08-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
In an effort to improve my credit history I paid XXXX collection accts and satisfied XXXX judgement. I sent the documentation from the collection agencies to delete these accts to the bureaus. To my dismay my credit scores went down on XXXX of the XXXX bureaus and the status of the judgement remain unchanged. I am on the verge of sustaining irreparable damage as I am about to lose my contract to purchase my home and lose my earnest money. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: LA
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:
XXXX and Equifax are still reporting unauthorized inquiries on my credit report, as I have requested that this information be removed from my credit report. I did not give consent to these companies to access my consumer file. I received letters in the mail describing the items to be factual record of file and verified as accurate and reporting correctly. Who Verified these items? they have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( A consumer contract with my signature giving consent to those creditors to access my file to do a hard pull on my credit file ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to delete all information which I did not give consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I sent a complaint to Experian and was told that they verified fraudulent activity. I would like to know How is fraudulent information verified, how and what date and what is the process. I had nothing to do with the information listed on the FTC reports.

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 2015-05-15
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:
My complaint is against the credit bureau Experian. Several attempts have been made to all XXXX credit bureaus in an attempt to have a negative item removed. Experian has signed the receipt for certified mail and I have sent them my request for Experian to investigate my dispute by regular mail and have received no response. 
They have repeatedly failed to properly investigate my dispute and I have provided more than enough documentation to prove my claim is true and accurate. Had Experian seriously investigated my claim, they would have found the proof of the error is in the credit report itself. 
In my credit report in the " Closed Account '' section, there is an account with XXXX ( XXXX ). The information states ; ACCOUNT OPEN XXXX/XXXX/XXXX, LAST PAYMENT XXXX/XXXX/XXXX, CLOSED ON XXXX/XXXX/XXXX. 
XXXX XXXX XXXX acquired the debt at some point and fraudulently re-aged the debt. On the credit report, they have FALSELY reported the following ; Account ( XXXX ), DATE OPEN XXXX/XXXX/XXXX, DATE OF FIRST DELIQUENCY XXXX, DATE OF FIRST MAJOR DELIQUENCY XXXX. 
Experian is in violation of several Federal Laws and has neglected to properly investigate my claim. From my understanding of Federal Law, Experian is obligated to do the following ; Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. 
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute to the credit agencies on an account that is not mine nor can be verified or validated and now there are two accounts collecting on the same debt. Please help this isn't right They accounts are showing XXXX XXXX  XXXX XXXX creditor : XXXX XXXX XXXX XXXX {$1400.00} Account number XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$1400.00} Balance updated XX/XX/2021 This is not right at all. Please help

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 2021-05-21
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I review current copy of my credit report and show inaccruate information. I sent dispute with no reply and show it has been more than 60 days. Account name XXXX XXXX XXXX  Account number XXXX. Is show as a chargeoff account with an open balance reporting in the amount of {$2500.00}. I understand this is a direct viloation of FDCPA and that no chargeoff can report a balance and it must show as {$0.00}.

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 2015-07-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear CFPB, I recently applied to access my credit with XXXX and was denied based on insufficient credit file and some type of garnishment or suit that appears only on my credit file reported by XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received several calls and a final letter from a collection agency on behalf of XXXX medical organizations in regards to a supposely pending account that was paid XXXX months ago and charge to my bank account. 
When I call to clarify the customer service representative was really improper in her answer to me saying that the only way for me to do it was sending proof of payment ( which I completely understand and was ready to send ) I addressed that I have apply to a store credit a week ago and it was denied and it may be because they may report to XXXX and that they have damage my credit report with a false issue. she said that it was not her problem and that they will try to fixed if I send proof of payment. 
I felt so mistreated at this point and I want to voice my most strong complaint to these entities and organizations that do not have any type of courtesy and understanding of the wrong behavior and consequences.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: LoanCare, LLC
State: MI
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:
Per the Covid Cares Act, if in forbearance due to Covid related hardship the mortgage company should not be reporting the payments as late during that time to the credit bureaus. My mortgage company did, my credit shows late payments every month during forbearance.

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 2016-08-16
Company: Firstsource Business Process Services, LLC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call on my personal cell phone about a week ago from a company identifying itself as " First Source Advantage. '' They asked for a person by name, who used to be my roommate but died this past XXXX. Before his death we shared a phone number for our land line, but that has been disconnected. I explained to the caller that the person was deceased and they had called my personal cell phone. 

Today I received another call from the same company, again asking for my deceased roommate. I told them again that he died in XXXX, and their representative essentially accused me of lying. 

I provided the caller with information about the estate and a phone number for its personal representative. I also instructed him not to call my cell phone any further. But I should not have had to make this request more than once.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
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 demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: Central States Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I originally received notice of the debt in XX/XX/XXXX. I contacted them and told them that I felt it was a mistake and I would be contacting the original debtor. The debtor advised there was a mistake with my insurance information and they would contact the collector to close the case. I received a call on XX/XX/XXXX advising I still owed money. They refused to send me anything in writing showing the debt as still valid or giving me a chance to dispute the debt. I asked to speak to a supervisor and they refused. The caller became belligerent and told me she did n't have to provide anything further to me. When I refused to set up a payment schedule with her ( because I wanted to speak to the original debtor and my insurance company ), she hung up on me.

Company response to consumer: Closed
Consumer complaint received 2017-03-06
Company: American Credit Acceptance, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I entered into an auto loan with American Credit Acceptance after purchasing a vehicle thru XXXX in XXXX XXXX, Fl. Because of a poor credit history my current interest rate is 28 %. I also purchased an extended warranty and GAP insurance when I purchased the vehicle which American Credit Acceptance is charging me 28 % interest on as well. After research, I found that it is illegal in the state of XXXX to charge 28 % interest on GAP insurance and extended warranties. I was also advised when I purchased the vehicle that I could refinance at a lower interest rate after 6 timely payments, but after purchase the company told me that the loan is a simple interest loan, so no matter if I refinanced or made principle payments, I will still be paying the same amount of interest because it is front loaded. Please help, I found where the Attorney General of XXXX won a lawsuit against this company for charging excessive amounts of interest on GAP insurance and they are doing the same to me. I have also filed complaints with XXXX Attorney General XXXX XXXX ( who is reviewing my claim ) and the Consumer Financial protection Bureau to ensure that this issue is resolved and no other consumers are taken advantage of. Please see the link below regarding the case filed in 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 2021-05-21
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I reveiwed a current copy of my credit report and show inaccruate information. Account name XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account numberXXXX. is showing as a collection/chargeoff with and open balance of {$750.00} and I understand this is a direct Violation of FDCPA. I understand a charge off account must report {$0.00}. I have disputed this account on a number of time and no reply has been given and its been more than 60 days. Which is a violation of FCRA. Please delete 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 2021-05-21
Company: WAKEFIELD & ASSOCIATES, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My minor child had a medical debt due to a car accident that was paid by the other parties ' auto insurance. Nevertheless, I received a notice from Wakefield & Accossiates saying I owed the debt and it would be reported to my credit report if I did not pay it. I paid it in full so that it would not affect my steller credit. One month later I received a notice in the email from them demanding payment and a threat to report negatively to the credit agencies. I called and spoke to the representative explaining that it had been paid in full, twice! He apologized and told me to disregard the notice. I have received no phone calls/ messages from them since then/mail. Yesterday, I started getting numerous amount of credit alerts, low and behold Wakefield has put this account on my credit reports as a collection. I immediately called them, they apologized and said they were fixing it with the credit agency and sending me a letter of deletion via email. I have received NOTHING. In the meantime they have caused me a hardship, my credit score has fallen for the 700 '' s to XXXX which is only a fair rating. My credit card companies want to lower my lines of credit and I can no longer continue in the search for a mortgage to purchase a home. After constant communication with this company and correction to the financial burden they have put on me, I have no choice but to demand that this be corrected immediately. This should be illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The debt collection agency in question contacted a family member 's cellphone without any authorization. They provided details of the debt, including the amount, to the family member. The agency later denied contacting any family members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Experian Information Solutions Inc.
State: FL
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 an unverified account from the XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) The original date of default and collection activity began. 
6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I request that the XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2021-05-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft, I am sick of writing and asking for these items to be removed, This is a disgrace, I am trying to purchase a home for my family and can not due to this, I am deeply saddened and disgusted. please remove

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 2015-07-07
Company: Synerprise Consulting Services, Inc.
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My XXXX credit report indicates that Synerprise ( a collection agency ) reports that I have a {$300.00} in collections. XXXX reports that I do not owe this Bill. My insurance provider XXXX XXXX XXXX reports that I do not owe this bill. XXXX XXXX ( original creditor ) reported that the billing was in error and that I am not liable for the bill. I have been trying to get this matter cleared up since XXXX 2015. The erroneous information reported by Synerprise to the Credit Bureau is having an adverse effect on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is reporting that I have an OPEN COLLECTION ACCOUNT with XXXX XXXX XXXX XXXX which is not true. I do not have a open account with this company nor do I have an outstanding amount of money owed. I do not have any account in collections. Please provide the reference number for this 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