BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am very concerned because my credit reports are showing discrepencies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove this inaccurate information you are in violation.

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 2023-08-22
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: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
To whom it may concern these accounts and inquiries reported on my credit report are not mine the the company is refusing to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've been trying to log into my Equifax account to place a freeze on my report but keep getting a message that it is temporarily unable to log me in. I've tried emailing the company but they have yet to reply to me, not even an automated email acknowledging that they've received it and will get to it when they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: LA
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:
FRCA Violation personal information XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX FRCA Violation auto loan XXXX XXXX XXXX XXXX XXXX LOUISIANA XXXX FRCA Violation credit card XXXX XXXX FRCA Violation other loans XXXX XXXX, XXXX. 
XXXX  XXXX XXXX FRCA Violation hard inquiries XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company is calling, refusing to identify themselves, keeps calling despite direct warning this number on the national do not call list, yet they continue. The funny part... then are inquiring for someone else, a friend from college, whom has NEVER ever, not once, used my phone nor would report my phone number as his own. So this creepy debt collector, whom ONLY identify themselves as " XXXX, calling for XX/XX/XXXX XX/XX/XXXXon a personal business matter '', is resorting to calling FRIENDS/associates of the person they're trying to collect a debt. They didn't say so but that is the only slimy reason they would hide their info and be non stop persistent. They call at least twice a week going on 9 mos to a year, different numbers, same caller ID " PortfolioRecovery ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-14
Company: Spring Oaks Capital, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Spring Oaks Capital : ( 2 accounts ) A ). XXXX  XXXX - {$710.00} B ) XXXX XXXX {$900.00} Description : Spring Oaks Capital has written, called, emailed, and has reported this inaccurate information on my credit report. I have disputed these accounts online several times. The last emails from Spring Oaks were on XX/XX/22, XX/XX/22, XX/XX/22, and XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
MACYS store card is been charging me late fees on top of other " hidden fees " for late payments and more I've been paying on time since 2022 and now that I check on XXXX I owe double the amount before which was {$400.00} ( owing ) now is {$800.00} without using the card x months!!! So payments are going NOWHERE and the monthly charges are increasing even more every month... now the amount is {$860.00}!!! When my card limit {$800.00} I've been calling and they just want me to keep paying every month while I'm being charged like I haven't made a payment... they hang up phone and no one helps me to explain

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Im accordance with the Fair Credit Reporting act XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX has violated my rights 15 USC 1681 Section 602 A States I have a right of privacy.

15 USC 1681 604A section 2 it also states a consumer reporting Agency can not furnish a account without my written instructions

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 2023-08-22
Company: EQUIFAX, INC.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was browsing the XXXX  online site and was invited to apply for a XXXX Credit Card. The site assured me that there would be no hard inquiry on my credit report and that I should apply for the pre-approval and if approved then for the credit card. Upon application that I only submitted because I was assured there would be no hard inquiry, I was pre-approved for the card and then clicked the final link for the card and was then denied. My XXXX credit report now shows a hard inquiry on XX/XX/2020 by XXXX Comenity Bank. I have filed a dispute with XXXX. XXXX Comenity  Bank was deceptive in awarding the pre-approval which should have been assurance of approval for the card. I am not in need of the card per se and can shop elsewhere, but the deceptive invite to apply for the card after being pre-approved and then submitting the hard inquiry is problematic. I did not agree for a credit check or was deceptively enticed into the application with assurances of no hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong to me.

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 2021-11-10
Company: Mullooly Jeffrey Rooney & Flynn
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This complaint is directed at the actions of Mullooly, Jeffrey, Rooney and Flynn, XXXX XXXX XXXX XXXX # XXXX, XXXX, NY XXXX. I will refer to them as MJRF going forward. 

Earlier this year or late last year, I was contacted by MJRF by telephone. They first claimed they took a judgment against me. I advised them that I was never served. I also looked it up on the NY Courts website and there was no record of a judgment. I asked the woman at MJRF about this and she could not locate the judgment either and suggested to me that it may not have been awarded or may have been set aside. I also advised her the debt amount was highly disputed as I did not ask for or accept the oil delivery their client made. I disputed it immediately after the delivery and asked them to take it back but their client refused to do so. 

At the time of the call with MJRF, I made an offer to settle. The rep for MJRF suggested she did not know if the offer could be accepted based on the fact that there may be no judgment. She advised she would call me back but she never did. Now, at the end of XXXX of this year, I received a notice from the XXXX  County Sheriff 's office that my wages were being garnished over this debt unless I pay them within 30 days. I immediately reached out to MJRF again and again, I offered to settle. The person I spoke to stated that his client does not usually accept settlement offers but he would present the offer to them and get back to me. Hours later, I called their client directly and asked about the settlement offers and their client, XXXX XXXX XXXX confirmed to me that they have never received any settlement communications from the firm regarding this alleged debt. Soon after that call, a rep form MJRF called me and said that XXXX declined to settle. 

Based on my knowledge and research, MJRF clearly violated UDAAP multiple times as they deliberately deceived me regarding the status of the judgment and for failing to submit the offers I made to their client as they said they would. The latter, based on my research, is also a violation of the ABA rules. I also believe, based on my experiences and internet searches, that should the CFPB conduct an examination of all of the records held by MJRF, you will likely find many more violations of UDAAP and probably the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: SOUTHSTATE CORPORATION
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
On XX/XX/2023, we took out a Home Equity Line of Credit with South State Bank. In an attempt to make a payment to our lawyer in mid XXXX, we learned that our account had been frozen. After speaking with a bank representative, we learned that the account was frozen because our builder had placed a lien on our home. Our build filed a lien on our home because we would not sign off on the final disbursement of payment. We refused to sign off on final payment because he had not finished the build of our home. Instead of coming back to finish, our builder decided to file a lien. We are currently in litigation now. 

After multiple emails between myself and the bank, and in accordance with our agreement, our account was restored because we were able to prove that money in question was sitting in escrow and the bank was not at any risk. That total amount is {$52000.00}. Our account was restored on XX/XX/2023. 

On XX/XX/2023, we received a letter from South State advising us that our account had once again been frozen. They froze the account because our builder filed foreclosure on our property. When asked for an explanation as to why the account was frozen again after we had proven that the funds in question were in escrow and would be paid out once our builder completed the work, we were given loose interpretations of the contract. We were denied the opportunity to speak with legal like we were initially promised. This option was extended to us because the person, XXXX XXXX, whom we were speaking with was unable to give us clear reason supported by the contract as to why our account was frozen. The only reason given was that it was to protect the banks interest. Which again, we had documentation that the bank interest was protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I went to Simmons Bank in XXXX, AR because I had called and spoken with Simmons Customer Service who told me that I could apply for a XXXX XXXX. When I arrived at the bank, XXXX XXXX told me that I would have to come back on XX/XX/XXXX and I did explain what they told me on the phone but she said I could not apply until XX/XX/XXXX. I called Simmons Customer Service back approximately two weeks later and was told that I would have to come back on the same date. On XX/XX/XXXX, I wen through the drive through in XXXX and was told by a male that I would have to come back the next day and they would have all of the paperwork completed and I would just need to sign it. When I cam back the next day. XXXX XXXX told me they had charged it off and she would talk to the backend to reopen and would call me. I came back through the next day because I did not hear from her and she said the same thing. I came back again and she said the same thing. Now, my account is closed.

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 2023-06-22
Company: Bay Equity LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am attaching a detailed summary to include documents ; dates, amounts, attempts to resolve, and the hardship Bay Equity Home Loans has caused XXXX XXXX XXXX XXXX as well as XXXX potential buyer of our Duplex. On XX/XX/2023 a contract to purchase our duplex was received. In the packet was a pre-approval for the buyer for a conventional loan. An appraisal, which was supposed to be an appraisal for conventional, came back at {$410000.00}, well under the purchase price of {$500000.00}. We and the buyer wanted a solution. The lender suggested switch to FHA, agreed XX/XX/2023. 2nd Appraisal ordered by the lender came in at {$500000.00}. On XX/XX/2023 lender issued a credit denial. On XX/XX/2023 we received another offer to purchase with FHA financing. Listing broker provided the {$500000.00} appraisal. Through an email from the initial lender, email included as proof, that they filed the incorrect appraisal in error. As it was submitted to us that it was an appraisal for a conventional and the XXXX correct appraisal was filed with for the FHA. Our hardship, due to the first appraiser 's error, which he admitted, it is attached to our property for 120 days, which means we can not accept any offers from potential buyers until after XX/XX/2023. In addition we lost the ability to sell twice to buyers. This is a serious financial hardship to my company. As you will see in the attachments, we have tried numerous times to have this corrected. The lender 's agent refused to give us her supervisor 's name. Please review the attached documents. Our request is to have the incorrect $ XXXX appraisal removed and the $ XXXX correct one tagged to our duplex. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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 Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 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 ( XXXX XXXX XXXX ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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