BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-26
Company: Experian Information Solutions 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:
Need these hard inquires to get remove from my credit I didnt give any authorization for not want to run my credit for any inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My husband and I purchased a queen size bed from Conn 's Furniture store in XXXX, TX in XXXX. The bed was financed through XXXX XXXX. We tried repeatedly to have Conn 's take the furniture back but they would not accept the bed. We worked on a settlement agreement and we paid the settlement and kept the bed. I checked my credit report in XXXX and discovered XXXX XXXX  reported the bed as a profit and loss in XXXX. I have tried contacting Conn 's Furniture store in XXXX, TX and they quit using XXXX XXXX  as their financier in XXXX. I have contacted XXXX XXXX  on multiple occasions in the past month to resolve this account, however they keep telling me that they only are showing an invoice on the bed we purchased but no other information is available. They are refusing to help me settle this account and I just want to get the dispute off of my credit report. I have disputed the charge on all three credit bureaus, however the dispute was investigated but it says I owe the money. I would like to get this settled, but XXXX XXXX  can't find any information showing what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: EQUIFAX, INC.
State: NJ
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 inaccurate accounts on my report and I haven't gotten a response from the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-07-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i Have already submitted a FTC Identity theft report to experian and XXXX and they have ignored my request to remove accounts and personal information from my credit report that has NEVER belonged to me. Ater submitted all required documets they have ignored my request to remove these accoutns. this is the second time i am submitting a FTC identity theft report with all required documentations and sending it along with this CFPB compliant, This issue is causing me a unfair credit score and i can not even get a job, i have been refused a job because of my credit report and those accounts do NOT even 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 2017-09-19
Company: Experian Information Solutions Inc.
State: OH
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:
Filed a complaint with the BBB against XXXX for reporting a chapter XXXX bankruptcy on credit report without supplying proof, I 've sent a letter from the courts stating they do not verify bankruptcies, they keep stating they verified with XXXX XXXX who keeps stating the same. After filing complaint with the BBB  XXXX claims that they are not reporting a chapter XXXX bankruptcy on my credit report. Its been over a month and it is still showing on my 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 2023-05-10
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: Credit inquiries on your report that you don't recognize

Complaint:
un-authorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX CAPITALONE XXXX XX/XX/XXXX To Whom it May Concern : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX Toll Free No : XXXX Fax : ( XXXX ) XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission CAPITALONE XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Filed a complaint with the BBB against XXXX for reporting a chapter XXXX bankruptcy on credit report without supplying proof, I 've sent a letter from the courts stating they do not verify bankruptcies, they keep stating they verified with XXXX XXXX who keeps stating the same. After filing complaint with the BBB  XXXX claims that they are not reporting a chapter XXXX bankruptcy on my credit report. Its been over a month and it is still showing on my 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 2017-09-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I recently received a notice that my mortgage payment would be increasing monthly by approximately {$300.00} due to an increase in county taxes. I called USAA for clarification on the significant increase in escrow, and was informed that it was due to the county taxes increasing. She believed the seller may have received tax credits that I 'm not eligible to receive, thus accounting for the difference. However, I called USAA again and spoke with another representative who confirmed that the taxes calculated at closing only included the semi annual amount, and that amount should have been included twice since XXXX XXXX taxes are semi-annual. She also confirmed that this calculation was a significant error and thus my closing disclosure was not correct. I asked if USAA 's loan processor, underwriter, or anyone involved with the bank should have checked these figures prior to closing, or soon thereafter, since ultimately USAA is the loan originator and servicer, and she informed me that it 's a title company issue. Due to the drastic increase in the monthly amount that I 'm now responsible for, I 'm filing a complaint as I believe this is a violation of Regulation X and TRID. Given the impact this will have on my monthly payments, this appears to be an egregious violation of Regulation X and TRID due to an incorrect escrow calculation, incorrect closing disclosures, and an extended amount of time that has elapsed since the error was made, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-06
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collector named XXXX XXXX sold my credit card debt {$800.00} to XXXX XXXX law office. My debt has increased to {$1500.00}. I tried to call and settle my debt. I was advised I could pay a lump sum {$1200.00}. When I called back I offered to pay {$1200.00} lump sum and was advised that settlement would no longer be accepted because they were going to garnish my wages. Both companies were very nasty and rude. I was not allowed to settle my debt. This debt continues to decrease my credit score. This is horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax refuses to remove fraudulent inquires on my credit report and an account which is also fraudulent they just switched the account status to closed. XXXX XXXX XXXX  was fraudulent. The account needs to be removed. The fraudulent inquires are XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX All accounts listed are fraudulent. Equifax refuses to remove them after sending multiple disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: American Collections Enterprise, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2022 XXXX amount I already applied for the financial aid and they waive out my fee and then I dont know why I am getting XXXX debt in my 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 2021-06-03
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The company Freedom Mortgage changed the payment invoice to include property tax 's and insurance with out my knowledge. The payment went from {$1800.00} to {$2900.00} dollars a month. There was never an impound account at the time the loan was originated. I can not afford this monthly mortgage increase. The house is in forbearance and they are adding this amount to the forbearance account. This was all done without my consent.

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 2021-09-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I am a XXXX old American Express card holder. on XX/XX/2021 I received an email and mail notifying that I was pre- approved for a Hilton Honor Amex Card at 0 % for 18 months.

I open the Credit card the promotion was given to me. I just received my second statament this month and they started charging interest. 

I called several times and the representative hang up on me one time. In the second time she told me that the never guarantee interest rate. Amex is misleading and targeting XXXX customers like me. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX/XXXX XXXX {$840.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX   XXXX {$130.00} XXXX XXXX XXXX {$100.00} XXXX XXXX {$500.00} XXXX   XXXX  XXXX {$1000.00} XXXX XXXX XXXX  XXXX {$190.00} XXXX XXXX   XXXX {$110.00} XXXX  XXXX XXXX  XXXX {$5900.00} XXXX  XXXX {$570.00} XXXX   XXXX  XXXX {$2600.00} XXXX XXXX {$410.00} XXXX XXXX {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I paid off my total balance of {$54.00} For my XXXX XXXX   credit card. Afterward I requested my account be closed over the phone through the automated system. The account was closed and my XXXX XXXX   confirmed a account closure. 
However, today on XX/XX/XXXX, I received a email from comenity bank stating I have to pay a monthly bill for {$37.00} despite closing the account with no outstanding balance weeks ago. 
I cant even make the payment if I wanted to because the website says my billing page doesnt exist and the phone line refuses to get me to an actual person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Fraudulent collections on my credit report I have contacted collection companies and have no responses in obtaining any proof of the debt belonging to me and needs to be removed XXXX XXXX XXXX XXXX Collection opened XXXX XXXX, 2021 XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX are reporting me as 30 days past due on the XXXX XXXX account number XXXX that has a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX credit company is stating I owe over 11,000 dollars in medical debts. However I am fully covered by Medicaid 100 % full coverage and I have been for over ten years and I always have XXXX co-pays and etc. I've disputed these bills too many times too count and they are refusing too fix this matter.

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