BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: IL
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:
I contacted the creditors who placed these inquiries and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their offices. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a recording of this call saved on my phone. 

On XX/XX/18 at XXXX, I called to make sure my entire balance was paid off. 
I spoke with a representative from Citi who told me that : A ) my automatic payment could not be increased to pay the full balance B ) that if I had an automatic payment, it would pull money each month even I didn't have a balance (???? ) C ) that he would make a payment ( which he NEVER did ) Now I have a late payment. I am very concerned that this behavior will continue to innocent consumers.

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 2018-02-13
Company: BB&T CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiries reporting on 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 2018-06-11
Company: Kriya Capital, LLC
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am unemployed and a survivor of Hurricanes Irma and Maria. lost all my belongings with the hit of Hurricanes Irma and Maria in Puerto Rico, where I had been living for the past 5 years. 

I request that the law firm representing Credence Resource Management , LLC will understand that I do not any resources nor income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
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: Account information incorrect

Complaint:
The credit bureaus did not verify the accuracy of the XXXX XXXX XXXX account and continues to report wrong payment histories, high balance wrong amounts, incomplete account number. I am being treated entirely unfairly and my credit rights have been violated. Please delete this report as these credit bureaus are not complying with the FCRA timelines for investigation or accuracy of accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: MiraMed Revenue Group LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company claiming to be MiraMed Revenue Group robocalls me from a spoofed number XXXX XXXX XXXX XXXX and left a voice mail saying to call XXXX XXXX XXXX XXXX regarding case # XXXX. The robocaller speaks so fast I had to play back the message multiple times to get the information. 

I called back the XXXX number and when they asked how they could help me, I said, " I don't know. You called me. '' The first person hung up on me. The second person claimed they were representing XXXX XXXX. I told her to send me anything in writing because all bills that I received from XXXX were paid. She refused and wanted personal information from me. I am in the midst of dealing with identity theft and do not want to give out information. I requested she send out the information she has to the address she got from XXXX, if they are truly who they say they are. The information I need is the date of service, diagnosis code, and the provider. She refused unless I confirmed my personal information ; which I don't want to give out to someone I don't know and don't do business with. 

This company should be above board and not spoof their telephone number. The caller ID should accurately say who is the company or person calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
XXXX XXXX and XXXX XXXX XXXX credit card partner Barclays cancelled a transaction from my account for no reason with no proper information and warning. This resulted in my flighty reservation cancellation and are asking XXXX extra to honor the same itinerary. XXXX XXXX and Barclays, both have records of the transaction. This appears to me a scam from both companies to get around clients, avoid honoring benefits that come from using an XXXX issued credit card such as bonus miles, bag fee waves and preferred boarding. All items that they falsely advertise.

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 2020-09-23
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In order to keep track of my mortgage payments to PPH Mortgage Services ( PPH ), a/k/a XXXX, I send my payments by USPS 2-mail with tracking. My monthly mortgage is {$760.00}. 
On XX/XX/2020 at XXXX XXXX  I call PPH to see why my payment for has not been applied to my account and PPH claim that they have not received my payment. After a 30 minute phone call with the customer service rep and explaining that I had tracked my package as being received by PPH on XX/XX/2020, the rep still did not have an answer for me regarding my XX/XX/2020 payment. The rep also told me that I could not send one check for payment that I needed to send 2 separate checks for payment since I have a split mortgage. I requested something in writing and has not received anything as of yet. The next morning XX/XX/2020, payment for {$760.00} had cleared my account overnight. 
It is now XX/XX/2020, I called PPH to inquiry about XX/XX/2020 payment which was received by PPH on XX/XX/2020. The customer service rep informed that I need to send it to the PO Box . I informed the rep that I have been sending my payment overnight via XXXX  to the same address since last year. I switched to the postal service with tracking in XX/XX/2020 due to working from home. I have until the XXXX of each month before a payment is late and I have never had a problem sending my payment to the business address. ( See attachment. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper made 7 unauthorized charges to my bank account. My account is overdraft by thousands of dollars by this irresponsible company. I still dont have any answers from them. A representative from Mr Cooper hang up on me when I was demanding a answer. Because of Mr Cooper my bank account is below XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my personal credit report XXXX, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiries had been made.I called Experian to discuss these unauthorized inquiries. The rep told me that I needed to contact the furnishers who put these inquiries on my report. I wasn't pleased with the rep answer because it was Experian that allowed these inquiries to happen without thoroughly checking that these were indeed factual and verifiable information. 

So I contacted these creditors, with a few giving me the runaround who conducted these inquiries and asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right.and some of these inquiries is listed on my credit report several times. 

By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. 

I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report at the address listed above. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX If you find the inquiry referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I settled a debt with XXXX XXXX in XX/XX/XXXX with the original debtor being XXXX XXXXXXXX XXXX. XXXX XXXX agreed after the settlement to remove their trade line, which they did. XXXX XXXX XXXX is still reporting the account late, but closed. I shows closed and charged off in XX/XX/XXXX, however, it is reporting late on my credit bureaus 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 explanation
Consumer complaint received 2021-05-04
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: AZ
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:
On XX/XX/2021 Rash Curtis & Associates made an inquiry against my credit report without my knowledge. They are a collections agency for a medical company who they represent. We have been in contact with the medical company for over a year now asking for some form of details billing instead of just a line item with a number on it and no amount. RASH CURTIS was never given written or verbal authorization to check my credit ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: REGIONS FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ). of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected Covid-19 should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/2020. I have late payments on my credit report, I want removed because I am a victim of Covid-19 and legally Regions should not have them there.

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 2021-01-20
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2014 For {$470.00} I have tried to dispute this account for years and no luck

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 2018-02-13
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was checking my Credit in XXXX XXXX got 2 collections XXXX XXXX Opened XX/XX/2014. Which does not belong to me it's in the amount of {$500.00} this is on my XXXX report which is affecting my score. I'm not going to pay this company do not owe them anything. 
This company has committed fraud using my name my information Than I got XXXX who committed fraud used my name and falsely charged my credit card in the amount of {$700.00} this is on my XXXX report this is outrageous how they get ahold of your information this has to be removed from my XXXX 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 2018-06-11
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Transworld Systems Inc with an address in XXXX XXXX XXXX and in XXXX XXXX stating that they are collecting a debt from XXXX XXXX XXXX. I contacted XXXX and the representative verified that I owe no money and that they do their own collections in-house. I checked online for other complaints against Transworld and read of many other folks who they are also trying to collect monies from for nonexistent debts. I believe that this company knows that I do not owe any money and are trying to defraud me. Will you please try to stop this criminal activity. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My credit report continue to show incorrect and false information for me. My credit was used previously in the past fraudulently and I want to prevent this from ever happening again. I have been trying to have my name and address corrected on my Experian and XXXX credit report but the incorrect information still remains.

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 2021-07-20
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: IL
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:
XX/XX/XXXX I paid a collection account settlement with Castle credit ( formally Prime accept ). On that day I requested verification MULTIPLE TIMES for proof it would be paid off. I was denied that request. 

I was told on that date that the balance I paid would settle and close the account and it would be reported as such with my credit bureaus. It was reported as current on my experian report which isn't. After attempting to call and request the change as well as a letter stating that it was settled SEVERAL TIMES, as well as proof that they are prime accept ( I need that proof for an underwriter on for a home mortgage, I learned today, XX/XX/XXXX, that it was not even requested as it should. 
The issue with the underwriter is I have proof I paid castle credit, but they see prime as a seperate account even though the acct. numbers are the same, on both. 

I have also on reccomendation from the CFPB to dispute with experian as well. I would like this resolved quickly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I opened a CitiBank card at The Home Depot to buy a lawnmower. After about a month I realized that I had not yet received a statement in the mail, so I went online to get my payment information. To my dismay I found that the payment was due just three days before I went online and a {$27.00} " late payment fee '' had been added to my balance.. 
Two days later ( 5 days after my " payment due '' date ) I received a call from XXXX noting my " past due '' amount and requesting immediate payment. I explained that I had just found out that my payment was a few days past due, and that -- since I had already incurred the {$27.00} late fee for the month -- I would pay the total amount in the next 27 days and bring my account balance down to zero. 
Since that date ( XX/XX/18 ) the company has been calling me EVERY DAY, mostly no one on the other end of the line ( hang-up calls )! They are now calling three and four times each day, sometimes more, with no one on the other end of the line. 
The calls start promptly at XXXX XXXX. Problem is that we are on swing shift and do not get up until XXXX XXXX. or later. I think this is harassment. 
P.S. The late payment fee was supposed to be {$25.00}, not {$27.00}.

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 2018-12-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax had a data breach in XX/XX/XXXX in large part because it maintained consumers ' credit and personal information in a negligent manner. Initially, Equifax offered a free credit monitoring services called XXXX   XXXX. In the fall of XX/XX/XXXX, Equifax notified me that it was ending XXXX  and offering me a free alternative credit monitoring service called myEquifax. However, Equifax stated in the FAQs about this change that if anyone had a freeze on their Equifax credit file, that freeze would be unfrozen when XXXX  was ended. As one who has maintained a credit file freeze for the last 20 years, I was effectively forced to enroll in the free myEquifax program to restore the freeze on my credit file. Unfortunately, the myEquifax software did not and still does not work to restore the freeze on my Equifax credit file. In addition, the work-arounds Equifax offers to consumers when the software does not work also failed because the Equifax customer service staff members also can not get the software to work to re-freeze my Equifax credit file. Yes, Equifax customer service staff members talked to me on the phone and sent a special PIN through the mail, but myEquifax still does not enable me to re-freeze my Equifax credit file and the Equifax customer service staff also can not re-freeze it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: HW Holding, Inc
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Getting a call from Florida from an attorney called Hunter Warfield about debt collection, number is XXXX, calls often I OWE NO DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Exeter Finance Corp.
State: NC
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 sent XXXX and XXXX Police report and Ftc report on the XXXX of last month showing this account is not mine and to please at least verify me with proof that ist mine and they just said verified. I would like this deleted from my XXXX and Transunion file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Experian Information Solutions Inc.
State: MD
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 requested investigation and the removal of erroneous conflicting reporting of an auto loan by XXXX XXXX XXXX XXXX in Virginia. XXXX XXXX has been reported over the last 3+ a balance owed in the amount of {$11000.00} monthly terms for 84 months with the intent to cause damage a minimize my ability to purchase a vehicle with fair terms. 

XXXX XXXX placed fraudulent charges on a share savings account investigated ; and failed to resolve over 4 years ago.

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 2023-01-19
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'm XXXX and I have never had a XXXX card. I have repeatedly disputed this account and XXXX keeps " verifying '' it. Additionally, XXXX is not allowing me to opt-out of third party sharing. That's a violation of US privacy law. I want to opt out every way possible.

Company response to consumer: Closed with explanation