BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-13
Company: American Collection Services, Inc. (OK, TX)
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX {$280.00} American Collection Services Inc ( XXXX ) called me on my mobile phone. Person ( XXXX XXXX ) stated they were calling to collect a debt which occurred on XX/XX/XXXX. I stated that I had no knowledge of this debt and had not received a bill. I also stated that since this was at a hospital I didnt know and was in another state that I wasnt sure of anything. The woman, XXXX stayed that she was calling to collect it now before it ruined my credit. I kept telling her this wasnt right and she kept talking to me like I had no other choice. I wanted to check with my insurance company and find out what it was but she told me if I didnt pay today it would post to all three credit bureaus. She also stated that she had had the debt on her desk since XX/XX/XXXX and that the address she had for it was incorrect. I told her I always kept my addresses current and she even told me what my current address was, my SSN, and she had called me which means shed had my contact information but had not sent me any statement or notification in the mail. Ive always left forwarding addresses and have been at my current address for almost 3 years. When I balked at paying she said that it would just have to be posted to my credit report and it would negatively impact my credit if I waited to contact my insurance company. Im recovering from a nasty divorce and an arson fire which destroyed my home in XXXX. Ive worked hard to rebuild my credit and my life and she swoops in and threatens that life. She also admitted that this hospital in XXXX did not keep good records and probably might not be accurate. But still she pushed me to make a payment. I was not afforded the opportunity to verify the debt and it didnt sound like this agency verified it either. 
I want this made right. I want my payment returned to me until proof of the debt is made and I want this company to be fined for not following the requirements of the law. I did not receive notice and they threatened me with negative reports on my credit. 
I appreciate any help you can give.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: PLAZA HOME MORTGAGE, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Plaza Mortgage XXXXXXXX XXXX, IL held my mortgage from XX/XX/XXXX until XX/XX/XXXX at which time they transferred or sold my loan to XXXX XXXX  XXXX XXXX XXXX of XXXX, Texas. On XX/XX/XXXX I sold my property and a payoff was sent to XXXX XXXX. The release of lien was recorded on XX/XX/XXXX in the County of XXXX, NC. 
Since then Plaza Morgage claims they transferred my loan in error and they have put my loan in collections and Loss Mitigation. 
I have been harassed by phone calls and collection notices. 
On XX/XX/XXXX I sent copies of the recorded lien release that were obtained from XXXX XXXX. 
I have written proof of transfer of loan and recorded lien release. 
When I called on XX/XX/XXXX Plaza Mortgage could not connect me with the correct department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have had a {$2000.00} credit limit with Synchony Bank 's XXXX card for a year. I have always paid on time and have used the card for many of my purchases. I recently paid it off and suddenly they lowered my limit to {$250.00}. The bank is trying to tell me that it's an " automated process '' but this feels predatory on both parts as they lure you in with a higher credit limit to make a large purchase that will be interest free if you pay it off within a certain time. I paid it off within that time and suddenly my limit is lowered and I can barely use it for anything. The lowered limit has hurt my credit now and I am furious.

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 2023-05-18
Company: EQUIFAX, INC.
State: IN
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:
There are actually several problems. I have inaccurate personal data showing up on my report as well as a collection that I have asked to be removed, even having provided a letter from the creditor asking for the collection to be removed and it is still there, and several inquiries that were fraudulently placed without my asking. I have provided the documentation several times but the information never gets corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive reached out to each credit bureau XXXX, XXXX and a Transunion regarding the XXXX XXXX Credit card thats on my credit profile. XXXX XXXX Bank was aware that I did not authorize and make purchasing with that credit card. Upon speaking with XXXX XXXX Bank back in 2021 they assured me if I settled and pay a portion they would remove account from credit file. I also sent them a copy of the police report which states my XXXX XXXX card stating there were unauthorized charges on my account XXXX XXXX did nothing about it. I have both conversations saved on my phone. I recorded all conversations. XXXX XXXX Bank had me settled account stating they would move account from credit file and did not honor their word. At this point I would like for XXXX XXXX Bank to provide me a copy of every transaction along with signatures and copy of Drivers License used to open the account. XXXX XXXX Bank should be able to provide all this information if they are stating I allowed these charges. I know they wont be able to provide anything with my signature or acceptance. If account is not removed from credit file Im going to hold XXXX XXXX Bank, XXXX, Transunion and XXXX liable for punitive charges. Also, I would like for XXXX XXXX Bank to provide me with the agreement stating I have them permission to share my personal information with Transunion, XXXX and XXXX. According to the Fair Credit Reporting Act I have to consent and so never did.

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 2022-12-03
Company: Experian Information Solutions Inc.
State: NY
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:
To whom it may concern : After reviewing my credit report, I realized that my score was lower than from which I previously checked it. I was a victim of identity theft years ago so I have had a freeze on my credit report for a long time now to which I have been trying to remove for a while on XXXX. 

The account to which I had no knowledge of was : XXXX Account # XXXX for {$2600.00}. 
I had no knowledge of this account and never presented any physical identification for this account to be open. 

The account violating my consumer rights with inaccurate reporting : XXXX XXXX XXXX XXXX According to 15 U.S. Code 1681 ( XXXX Account # XXXX ), and ( XXXX XXXX XXXX XXXXXXXX ) : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Also to this ( XXXX Account # XXXX ), each CRA is reporting a different report for this fraudulent account which is also a violation of my consumer rights. Sections such as when this account was closed, the account comments, date last active, and the payment history ( XXXX XXXX XXXX  XXXX ) are all reporting inaccurate information of an account I had no knowledge of which is improper use of my credit report. Which again violates my consumer rights. 

And this information is inaccurate. 

According to 15 U.S. Code 1681b subsection 2, I never gave any written permission for this account to be in my possession nor upon 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 explanation
Consumer complaint received 2023-07-14
Company: HW Holding, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hunter Warfield did not send verification as requested through US mail to our home address. They then called us while debt was not verified. they reported us to the credit agencies without verifying debt. Once debt was verified account was paid in full immediately and we were still reported to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please remove all non-account holding inquiries : XXXX XXXXXXXX XXXX-inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX- INQUIRY : XX/XX/2023 XXXX XXXX- INQUIRY : XX/XX/2023 XXXX XXXX-INQUIRY : XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XXXX your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: MA
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:
There are two addresses on my credit report that I have never lived at. 
My credit score should be higher. Im afraid I may be a victim of identity theft.

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 2023-02-12
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 information incorrect

Complaint:
Inaccuracy # 1- The account numbers do not match. XXXX and XXXX is reporting XXXX and Equifax is reporting XXXX. An account number is Identified by a specific number and there can only be one and it has to be completely correct.

Inaccuracy # 2- The date of last activity does not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. The date of last activity determines the date of delinquency which also determines how long a collections can be on your credit. A collection account can only be on your credit report for 7 years and if this number is inaccurate that time can not accurately be determined. This also affects how long a consumer can be sued by a debt collector. The statute of limitations in Texas is 4 years and this needs to be completely accurate.

Inaccuracy # 3- The open date does not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. These dates must all match and be the same. 

Inaccuracy # 4- The last payment dates do not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. The last payment date is also important in determining the date of delinquency. 

Inaccuracy # 5- The credit limit is reporting at {$500.00}, but the high balance is reporting at XXXX. Is is illegal to add fees to a collection. There was also never a break down of how this this balance was calculated. 

Other inaccuracies and violations include the account number being altered on Equifax. In XX/XX/XXXX the account number was : XXXX and in XX/XX/XXXX the account number is : XXXX. 

According to the FCRA section 623 ( a ) ( 2 ), if a furnisher, furnishes information to one or more credit reporting agencies that is incomplete or inaccurate, that furnisher must promptly provide the correct the information or remove the incomplete or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act .XXXX acct # 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.

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 2023-05-18
Company: EQUIFAX, 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 am a natural person I am a living human being I have rights under 15 usc 1681 Equifax is govern by 15 usc 1681. And they violated my rights numerous of time. I demand the account listed below be moved According to 15 usc 1681 I have the right to privacy and I did not give equifax written permission these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX. 

XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
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 I have reached out about all of these accounts and inconsistencies several times, these errors are hindering me from moving forward in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Ability Recovery Services, LLC
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed this debt with the credit bureau. 
I never authorized the sell of my debt to this debt collector. In addition, payment is being made to the original creditor and the balance is {$320.00} not {$580.00} as the debt collector is indicating.

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 2021-06-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a new complaint. Prior complaint is XXXX. This issue ( s ) with Select Portfolio Services, hereafter referred to as SPS was brought to your attention on XXXX. SPS reported in their XXXX response to CFPB that they were contacting the prior mortgage holder XXXX XXXX XXXX  ), and also listed that they would consider 100 % of my spouses income. This complaint is to report that SPS has not upheld what they reported to CFPB. SPS have not provided any written updates regarding XXXX XXXX outside of what they reported to CFPB in XXXX. Instead, SPS sent a written correspondence indicating they were moving forward with foreclosure, what theyve referred to as Foreclosure Referral Notification on XXXX. I was told by an SPS associate that XXXX XXXX was taking too long to respond to SPS requests, resulting with SPS resuming foreclosure procedures. Please note, I did contact XXXX XXXX who confirmed that they were in receipt of a loan modification application received by their loss mitigation department and the last activity was XXXX. XXXX XXXX assured me that SPS has all of my detailed information in their possession, which was all transferred to them XXXX. SPS continues their non-transparency and unethical actions. They have put in writing to CFPB that they would complete the review with XXXX XXXX and consider 100 % of my spouses income and have done neither. Theyve become frustrated with XXXX XXXX and have done 50 % of the work. They have done 0 % of considering my spouses income and their XXXX written correspondence to me is clear that they have no intentions to do so. As well as their XXXX written communication to the insurance company. They have made no attempt to provide a written update regarding communications with XXXX XXXX outside of their XXXX update to CFPB. An SPS associate informed me that the written update was not provided, as SPSs communications with XXXX XXXX was not complete ( another contradiction ). Which doesnt explain who they can resume foreclosure if youre not complete. They have also ignored my XXXX corresponding letter expressing interest with 100 % of the spouses income. I am still awaiting SPSs complete review of my XXXX loan modification application with XXXX XXXX and next steps with moving forward with another review, pending SPS investigation with the prior mortgage holder XXXX XXXX XXXX  ), whos stating that SPS has access to all documentation and the history of account actions. SPS continues to make contradicting statements both written and verbal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: NY
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress