BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-30
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
We are a attempting a short sale with Loancare. This process has been going on for over 8 months, the past 2 months I have been calling in about 2 times a week to get a status on the short sale approval letter. Every time I call in they tell me to call back next week and we will have a decision. The last 3 weeks I have been calling on every day and speaking to a manager, each manager I speak with says the file has been escalated and we will have a decision in 48 hours. 2 weeks ago the manager said I will receive the short sale approval letter the next week. XXXX the manager Im speaking with now wont give me his last name. XXXX just told me the file has net been reviewed for a short sale. Can someone help Loancare follow short sale guidelines

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 2019-10-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried fixing this issue with the Equifax, attached police reports and everything and they say these fraudulent accounts belong to me. They need to be deleted now, like the rest of the credit bureaus did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Thaxton Investment Corporation
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I fell behind due to medical and XXXX XXXX has continued to harass me and my family. They have been calling my references at least twice a day telling them they been trying to get in touch with me and no response. I have my whole family telling me to pay my Bill 's and to tell the loan company to stop calling. I definitely intended to pay my debt to them. From all the stress o have been through now my family and friends are not even speaking to me because I owe money and they are being harassed. I've told them when they come to my home my situation and offered to make a payment online and she said no I need to talk to XXXX. The first time they came to my home I called XXXX and she demanded me to come in I told her no. She said I had to so I told her I would make a Payment. My car was not working properly. They have been to my home four times and calls me and my family. There address is XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX and phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: EQUIFAX, INC.
State: MS
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 contacted equifax in regards to some fraud accounts listed on my credit file, i sent over a request to delete the items equifax didnt remove the accounts. the accounts are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.i filed a complaint with ftc and sent over ftc id theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
It was with portfoliorecovery they called me at work on my job I was threatened, yelled at. The calls never stopped. I asked them to stop calling me and they ignored me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Last year, I received medical treatment on XX/XX/XXXX and XX/XX/XXXX. I paid a bill for approximately {$2700.00}. Later, I received additional bills for about {$2300.00}, and taken together all of these bills exceeded my deductible. I called my insurance company and learned that the {$2700.00} bill was never submitted to insurance, so it should not have been sent to me. The insurance company called the provider, who said they would re-submit the bills and correct the totals. I also contacted the provider, which confirmed to me in writing that the bill was not submitted to insurance and that it is working with insurance to resolve the issue. 
Although this issue is still not resolved, I received a letter from a debt collection company called HRRG. I responded in writing that the debt was not owed because of the provider 's mistake, which was in the process of being resolved. I also provided copies of the provider 's written response to me confirming the mistake. Despite providing this evidence, I have received telephone calls and voicemails from HRRG two days in a row now, from two different numbers- ( XXXX XXXX XXXX and ( XXXX XXXX XXXX. At the very least, I would have expected HRRG to confirm the information with the provider, given that I had provided the written statements. Apparently it has not, and instead has chosen to harass me with repeated phone calls over a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent Equifax the following dispute information to be removed I have yet to receive any communication in regards to my results. I have attached my dispute information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, 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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
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:
XXXX, XXXX and Experian have violated my rights by reporting incorrect accounts that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.

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 2023-04-06
Company: Experian Information Solutions Inc.
State: SC
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:
Spoke with company and supplied hand written letter to stop reporting on closed 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 2023-06-13
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2019-10-30
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My representative payee is exploiting, abusing, neglecting and slandering me. He has kept me in XXXX XXXX, XXXX, hungry and cold. I can not obtain my credit report despite numerous attempts. The latest XX/XX/2019. Since he has become my payee, I now have four social security numbers, a mortgage, car payment and one agency is showing me deceased! He forced me to open another bank account in order to get MY SSDI. He refuses me any statements of where my money is going and any savings. I have XXXX XXXX as he won't pay {$9.00} dental insurance and refuses me transportation, clothing, court filings, insurance, hygiene, rehabilitation and I have been reduced to food pantries and clothing banks. XXXX has taken it's toll charges and nobody is listening. Is this how we get rid of the elderly? I am losing hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, 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 tried to purchase a new vehicle and because of a false collection and fraudulent inquiries on my credit report I was demo. I have reached out to all three credit agencies about removing the said collection and hard inquiries but the these items still exist on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
90 Days ago, from XX/XX/XXXX til this day, I am waiting for investigation letters from the bureaus about the MBA LAW account that is a HIPAA law violation, that is reporting on my credit report and I asked for it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am contacting you about the compromising of my social security number. I am 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 explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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:
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14
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:
I called Experian to let them know there are XXXX incorrect addresses on my credit report and they have yet to have the addresses removed.

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 2021-09-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I recently pulled my credit report and noticed that I have been a victim of identity theft. I did not authorize any company/person to pull my credit in regards to the items listed below. All of the following inquiries were not authorized by myself : XXXX reported on ( Equifax ) XX/XX/2020 XXXX/XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( Equifax ) XX/XX/2020 XXXX XXXX/XXXX  reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX  reported on ( Equifax ) XX/XX/2020 XXXX  XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX  reported on ( XXXX ) XX/XX/2020 XXXX  XXXX on ( Equifax ) XX/XX/2020 XXXX  XXXX/ XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX reported on ( XXXX ) XX/XX/2020 XXXX XXXX on ( Equifax ) XX/XX/2020 XXXX XXXX on ( XXXX ) XX/XX/2020 XXXX reported on ( XXXX ) XX/XX/2020 A Police report was filed with XXXX COUNTY TX POLICE DEPT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been making payments to Sun Trust Bank for two years I have been paying extra money towards the principal last year I called to check payoff. Amount of payoff was not correct manager looked into the problem said extra money was going to next months payment they fixed the problem.On XXXX XXXX I checked on extra payments again the same problem was back again I called sun trust but could not get any results to my concerns.My payments going to principal are not being applied correctly sun trust is merging with another bank if this problem is not corrected now it will be bigger problem for me to get corrected when they merge. Someone needs to look into this matter and make them fix there mess I am being charged interest on money that I am paying towards the principal extra money it not being applied to the pay off at the end of the loan. Thanks for any help you can give. 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 explanation
Consumer complaint received 2021-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Approx. XX/XX/XXXX, problems using my on-line account Bank of America , my accounts were not available for view. 
Called and spoke to XXXX in XXXX, he told me there was a " known issue '' in linking the accounts to my email and that a technical ticket had been issued. 
XX/XX/XXXX, issues persist to access my money on-line. Called XXXX spoke to XXXX ( maybe in Maryland? ) he advised the accounts were being closed, there was no other information provided or known. 
XXXX, at XXXX XXXX I go to the branch at XXXX XXXX XXXX, XXXX, NV XXXX to withdraw money. Teller tells me I needed to call ahead, I advised her the money was in my account that I wanted to withdraw. She starts the cashier check procedure, then stops, advises I need to speak to the manager. The manager disappears for some time on the phone, finally returns and leads me to the office of XXXX ( Relationship Manager ) and advises her name is XXXX the Manager, that all my accounts will be closed. There is no further explanation as to the procedure, where or when funds will be dispersed. XXXX tells me I am NO LONGER allowed in any branch! They tell me to call XXXX. I tell XXXX they are not allowed by Federal Law to keep me from my money for over 2 days, she answers they can when closing the account. She doesn't care and is not professional. 
XXXX I call XXXX. After several questions I am referred to a login that doesn't work. The person on the phone advises she can no longer help and advises me to go to a branch. I told her XXXX said I wasn't allowed in any branch. She tells me I should be able to get resolve in the branch. 
XXXX I call my Congressman XXXX XXXX and speak to XXXX. She refers me to the OCC. I have tried several phone numbers, XXXX, XXXX, NONE of them are working numbers. 
XXXX I have limited view of my online account at Bank of America. It appears from what I can see my money might still be there, so I am attempting to transfer it to another bank. I am not sure there will be success, if the money will be pulled back. 
I call XXXX at XXXX XXXX 's office again and she attempts to call BofA, they don't answer. She advised I need to sign a Privacy Act Consent Form, but has no authority to cause the bank to act and again advises to contact the oversight office, Office of the Comptroller of Currency. 
XXXX All attempts to reach the bank are unsuccessful. Phones are not answered or not connecting or no information will be given, period! 
I have had no access to my money for over one week, with no end in sight, and no access to information. This is at a critical point because of the extremely high amount, over XXXX that they are holding. It appears they are not acting responsibly nor in good faith!!

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 monetary relief
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXXXXXX ... Balance : {$39000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX of XXXX  I submitted a request to validate the information on my credit report and again in XXXX of XXXX. The accounts came back validated, however each credit bureau is reporting different information on the validated accounts and I requested the information be removed. I have 2 documented FCRA violations for each credit reporting agency and the creditors.

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 2021-11-01
Company: Love, Beal & Nixon, P.C.
State: OK
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:
Love Beal & Nixon not only filed suit against me for a fictitious debt that I do not owe but also failed to properly notify me and properly serve me, Love Beal & Nixon are attempting to collect a debt I do not owe. Love Beal & Nixon also failed to send written debt validation. Furthermore, Love Beal & Nixon recently furnished redacted information to the District Court of XXXX County State of Oklahoma. It is evident that this Love Beal & Nixon have furnished falsified statements and documents in attempt to collect I debt I do not owe. After careful research I have discovered that Love Beal & Nixon are debt buyers and have a history of purchasing debts from various creditors for nominal amounts and or creating fictitious debts with consumer information.

Company response to consumer: Closed with explanation