BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-05
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: Information is missing that should be on the report

Complaint:
Equifax is willing reporting fraudulent information on my credit report. They have responded that they are working on the issue but that is not true. They have put me through the same dispute process I have already completed. They only ask the creditor to verify the accounts which are fraudulent to which the creditors have removed them from my XXXX  and Equifax report because they were fraudulent. I presented this information to the FTC and not Equifax is marked as being non-cooperative and has been flagged for further investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I am writing to dispute the following public record Transunion has REINSERTED on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), when an item is disputed and removed, the Credit Reporting Agency has FIVE business days to notify me of the reinsertion in writing. These accounts were disputed directly with Transunion on XX/XX/XXXX deleted on XX/XX/XXXX and reinserted sometime XX/XX/XXXX- XX/XX/XXXX.

To date, I have not received correspondence in writing  from Transunion indicating that the below listed accounts were reinserted on my credit report. Therefore, I am requesting these items be permanently deleted. Enclosed are copies of my drivers license, social security card, credit report with the items circled. Please investigate this matter and delete the disputed A copy of this complaint has also been sent to Transunion via certified mail.

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 2020-06-29
Company: Applied Data Finance, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
A man Named XXXX XXXX phone number XXXX called my Mothers phone who is not even listed on my account nor had permission to talk to my mother told her her sent me certified mail, wanted to know my information and even told her my Social security number. This may very well could not have been my mother but a stranger he talked to not knowing giving my personal information to. My mothers name, phone number or any information was not linked to my account. 

After hanging up with my mother he called my XXXX year sons phone left a detailed message on his voice mail that states his name not mine yet again he left my personal information on a 40 second voicemail about certified mail, debt collection needing a call back left 2 names and again the last 4 of my SS #. 

This is a direct violation of anyone rights. The dept collections process should not have happened at all. I fill like my information is just being handed out to anyone and everyone by this company. None of the people they have contacted where on my contact list nor did i give them phone numbers of the people they have contacted. I am now worried they are calling people at random giving my private information out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
DEAR CFPB : LAST WEEK REGIONS MAKE THE OFFER REISTAMENT TO AVOID FORECLOSURE WE SEND WIRE PAYMENTS BUT THEY REFUSE PAYMENTS TODAY I HAVE TO CANCEL MY WORK TRIP IN XXXX XXXX BECAUSE THIS PROBLEM. 

WE HAVE OVER USD XXXX POSITIVE ESCROW AND REGIONS FILE FORECLOSURE FOR USD XXXX PRE PAYMENT ESCROW?? 

THIS IS NOT NORMAL - REGIONS NEVER SEND ANY FORECLOSURE NOTIFICATION TO US WHY?? 

NOW WE SEND THE FULL PAYMENT AND WE DO NOT HAVE ANY RESPOND FOR THE REISTAMENT PAYMENT! 

SEE XXXX XXXX WIRE AND ELECTRONIC PAYMENT CONFIRMATION E CHECK USD XXXX Payment Detail Payment Type XXXX Check Payee Account No. XXXX Name on Account XXXX XXXX XXXX Payment Amount {$4000.00} Send Date XX/XX/2019 Expected Delivery XX/XX/2019 Reference No. XXXX Status Check Mailed Check No. XXXX Trace ID Memo loan XXXX XX/XX/2019 PREFERRED CHECKING ... XXXX REGIONS LOANS XXXX ... XXXX One-time - send now {$1200.00} XXXX COMPLETED WIRES REFERRED CHECKING ... XXXX REGIONS HOUSE LOAN ... XXXX One-time - send now {$2200.00} XXXX COMPLETED View transaction XXXX XX/XX/2019 PREFERRED CHECKING ... XXXX REGIONS HOUSE LOAN ... XXXX One-time - send now {$3200.00} XXXX COMPLETED View transaction XXXX XX/XX/2019 PREFERRED CHECKING ... XXXX REGIONS HOUSE LOAN ... XXXX One-time - send now {$3000.00} XXXX COMPLETED

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 2019-09-10
Company: Paypal Holdings, Inc
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:
I keep getting email from Venmo stating i have made charges. I do not have a Venmo account. I have tried to contact Venmo to find answers to problem. They say I must sign in to get info. I cant sign in because i don't have an account. when i say i forgot my password i am asked personal information about my bank account. i marked mail as spam but keep getting. today I another email with a link to XXXX account. No one here by the name XXXX. Tried again to contact them but they once again want banking information. I tried again to make it spam. even filled out forms with XXXX but not working. I think this company is fishing for people trying to do the right thing. I have frozen my credit already because of XXXX XXXX hack. dont know what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: Experian Information Solutions Inc.
State: OR
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 XXXX there was a collection from XXXX XXXX for an unpaid phone bill that appeared on my credit file. 
I was in the process of refinancing on my Mortgage and all unpaid collection account needed to be paid in full in order to complete the Loan. 
The account was settled. I was told by the XXXX collection department that this will be removed from my credit file. 
Now in XXXX this XXXX account still appears on my report. 
This account does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SPS/Select Portfolio servicing is changing their address in reporting to XXXX this fraud ; ent accccount. SPS/Select Portfolio Servicing is providing false account updates to show the account being paid down and reporting it as an update to XXXX. SPS/Select Portfoio is providing and false information of having corresponding with me in their reporting of this FRAUDULENT ACCOUNT and having it updated each time I dispute it with XXXX. It was showing as current by XXXX   based on their false reporting of information they supposedly recieved from me. 
Then in a week or less after each dispute I make to XXXX I receive an update from XXXX that the the fraudulent account is now late and the reporting address hanges from a po box to a physical address in Utah. I asked SPS/Slect Portfolio to CEASE AND DESIST under the FCRA/FCDPA. SPS/Select Portfoilio continues to report a fraudulent account in my name. 
I contacted SPS/Select Portfolio Servicing as they had accessed my credit file and reported to XXXX, XXXX, and XXXX an account established in my name fraudulently. I contacted SPS/Select Portfolio Servicing on XX/XX/XXXX, and XX/XX/XXXX disputing the account to SPS/Select Portfolio Servicing and providing them with two separate police reports of identity theft naming SPS/Select Portfolio Servicing. I then notified Select Portfolio Servicing to CEASE AND DESIST under the FCRA on XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX. I AM THE VICTIM OF FRAUD. 

On XX/XX/XXXX ; I mailed another letter of dispute with a CEASE AND DESIST to SPS/Select Portfolio servicing via CERTIFIED MAIL to their Utah and XXXX Florida office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Shermeta Law Group, PLLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company decided to make up a fraudulent ex parte motion and order to renew civil judgement for a non existent debt. What they did was make outtakes faje city document stating renewing the civil judgement was granted. The problem is, that the judge who " signed '' the court document had been retired for 4 1/2 years. So this company forged the signature of a retired judge on a fraudulent court document. When iI was the court to see what this was abot and have the case number, they said it didn't exist ands it sounds like a scam. When I called the company to address this issue, No one would answer the phone. I had to leave a voicemail in order to get somebody to call me back after calling 6 times. When I got somebody on the phone they Try to tell me That the motion was granted in that I owed this money that I know nothing about and when I had ask them about why the judge that signed the court document hasn't been practicing for 4 and a 1/2 years they had nothing to say. This company is a scam artists and means to be charged with fraud and impersonating a judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Im having an issue w/Transunion! I reported identity theft w/FTC rpt # XXXXafter being notified of idtheft by credit monitoring 4-5days ago- i was told to place a creditLOCK ( after a Freeze did NOT work ) w/the big 3-I placed LOCK w/ XXXX.XXXX XX/XX/19.Transunion will NOT allow MY FILE to be locked cause theyre are Multiple Files on me? 
I asked to merge em so I can place aLOCKwhich is critical -but they now claim transunion does NOT have a credit lock-now I find last night, someone canceled the mbrshp I paid for yesterday! HELP I NEED MY XXXX CREDIT RPT LOCKED IMMEDIATELY TO SLOW THE IDENTITY THEFT OF ME!!! 
Thank you 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 2020-08-26
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX - XXXX I CONTINUES TO RECEIVE REPEATEDLY PHONE CALLS ALL THROUGH THE DAY NEVER SEIZES. 

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 THERE WAS MORE CALLS I WOULD NOT HAVE ENOUGH SPACE TO LIST THE OTHER PHONE CALLS.

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 2018-02-02
Company: Automated Collection Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a formal complaint against XXXX XXXX XXXX located in XXXX, TN. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collectors have called me multiple times over several months attempting to collect a debt that is not mine. My phone number is incorrectly associated with the person who owes the debt. When I call, some of the collectors will tell me the name of the person who they are trying to reach and some will lie and say they can not tell me due to the privacy act and that I have to tell them who I am first. These harassing calls continue every time the debt is sold, just because my phone number is erroneously associated with this persons debt. Most recently, a collector denied me the ability to speak with a supervisor about the issue after calling me while I was at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: AMERISAVE MORTGAGE CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for refinancing with AmeriSave Mortgage Corp., which offered to me very low refinancing rate. But they did not disclose to me that their refinancing fee is {$31000.00} until after I allowed AmeriSave Mortgage Corp. to put a hard inquiry into my credit report and agreed to work with them. Not disclosing all the fees prior to putting a hard inquiry into one 's credit report is a deceiving practice which also negatively affects client 's credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Midwest Recovery Systems
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: Old information reappears or never goes away

Complaint:
I checked my credit report and noticed that Midwest Recovery is on my credit report. I obtained their number from conducting research. I also obtained their address from the XXXX XXXX XXXX as it is as follows : XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. I have disputed this debt in the past. It appears that this company has modified the date to XX/XX/2020 as if I opened a Payday Loan on this day. I have no reason to get a Payday Loan. I have no financial need for a Payday loan. 

If you go to XXXX  website or to XXXX period, you will see that this company has some illegal business practices going on and appear to be conducting business in a " sketchy manner '' to say the least. This is not my debt. I did not get a Payday loan on XX/XX/2020. 

Also, for future references, how long can a debt stay on your credit profile? Can a company purchase debt that is over 7 years old?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: EXCEL FINANCE COMPANY
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The end of XX/XX/XXXX not sure of exact date the manager of Excel finance in XXXX XXXX Louisiana called my job every five minutes harassing me about payment.my manager got mad and told me the personal calls needed to stop.one hour later I'm working and the manager of Excel came into my job and began to talk about my account in front of everyone walking around customers and other employees.she began to tell me if I didn't pay her today she would have to go forth with suit and if I was embarrassed by her showing up on my job just wait until the XXXX 's serve me on my job.i was so humiliated and embarrassed people were looking at me and hearing all of my business my manager later came to me after she left and told me had he not felt so bad about my situation I would have been fired because my personal business should not be conflicting with my job.she almost cost me my job.they are still calling me on my job after repeated requests to not call anymore.i do not want to be contacted by them anymore.they have harassed me and violated my rights.i called the corporate office to report the issue and the lady said she would send the information to the supervisor and I asked will I get a call back and she said for what.what are you trying to achieve. I said my rights were violated do you not understand the severity of this your company violated my rights and you can be sued so no one 's going to call me back to deal with this issue or talk to me about this issue she began to say for what I told her okay well I'm going to go ahead and file my complaint she said it's your right do what you need to do I will give you the number and everything you need to file your complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions 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:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report.CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$260.00}

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 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report.CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$260.00}

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 2021-11-05
Company: CITIBANK, N.A.
State: NC
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2020-10-12
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: Public record information inaccurate

Complaint:
I have been disputing the Bankruptcy that is reporting on this bureau. I have followed up with the XXXX Case Summary, I have requested my XXXX report and in all the supporting documents I have found inaccurate and incomplete information that the bureaus refuse to remove. This misinformation is damaging my credit score and restricting my financial obligations in order for me to move forward. I would like this account removed as soon as possible.

Company response to consumer: Closed with explanation