BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-01
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The letter below is what I sent to XXXX requesting that they remove the unauthorized inquires from my report. They sent me back a response that said " The inquires listed on your credit report are a record of the companies that obtained your credit information ... .Your written authorization may not be required to constitute permissible purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist '' Furthermore, my request was not addressed by XXXX. Please investigate to have these items removed. Thank you, To Whom It May Concern : I reviewed a copy of my credit report and there are several unauthorized credit inquiries on me. I have listed the items below : XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact the companies listed above and investigate such occurrences. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. If you have any questions or need additional information, please contact me at address listed below. Thank you. Sincerely,

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 2019-03-15
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
sent over the ftc violation of the inaccurate information

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 2020-10-19
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:
Equifax credit bureau is practicing Deceptive practices. I have provided three written requests to ask for six ( 6 ) different inquiries be removed from my credit report I DiD Not Authorize. Equifax CONTINUES TO REPORT THESE INQUIRES. I was affected by EQUIFAX data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed Equifax as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also Equifax is lowering my score with each credit dispute. 
XXXX XXXX - Date of Inquiries : XX/XX/XXXX XXXX XXXX- Date of Inquiries : XX/XX/XXXX XX/XX/XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX  - Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TJC Mortgage, Inc.
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX on XXXX XXXX in XXXX, XXXX  I gave the pertinent information to the application processer so that they could begin my file. The next day I spoke with XXXX XXXX XXXX ( NMLS XXXX ) who asked several questions and I once again explained my situation that I would be moving from XXXX, XXXX to XXXX, XXXX to take a new position with the XXXX XXXX. I was issued an award letter from the Department of Justice. XXXX stated she would need to see how long I had to be on the job before I could be approved and closed on the home. The next day ( XX/XX/XXXX ) I sent XXXX an email requesting an update. XXXX replied that I would need to have my first paystub before I could close, but that she was still waiting to hear back from the underwriter. I decided to follow up via phone on XX/XX/XXXX but did not get XXXX, so I also sent an email that day as well. I still have not received any correspondence from XXXX since XX/XX/XXXX. I contacted XXXX XXXX on XX/XX/XXXX to speak to her supervisor. I spoke to the supervisor and she basically reiterated that I would need to receive one paystub before I could close. I explained that if that were the case then my credit report should have not been pulled before they could have counseled me on the products and services they could offer. I asked her to submit a credit report correction and she stated she would need to contact corporate and would call me back on XX/XX/XXXX with the decision if they could do so. I have not heard from the supervisor and do not expect to at this point. Now, I have a hit on my credit report and they will not return my calls or emails to even get the process started. However, after seeing how poorly they have handled this situation I would not consider transacting any business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
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:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX Thank you for your prompt assistance in 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
Consumer complaint received 2017-08-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The letter below is what I sent to XXXX requesting that they remove the unauthorized inquires from my report. They sent me back a response that said " The inquires listed on your credit report are a record of the companies that obtained your credit information ... .Your written authorization may not be required to constitute permissible purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist '' Furthermore, my request was not addressed by XXXX. Please investigate to have these items removed. Thank you, To Whom It May Concern : I reviewed a copy of my credit report and there are several unauthorized credit inquiries on me. I have listed the items below : XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact the companies listed above and investigate such occurrences. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. If you have any questions or need additional information, please contact me at address listed below. Thank you. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: Experian Information Solutions Inc.
State: GA
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:
On Today, XX/XX/2018 I received an alert from my fico stating that my name which I had already disputed with XXXX and thought I had it updated was reversed back to a previous name on my report. I have contacted XXXX, Experian and XXXX more than once with this concern. I have sent in notarized documentation with supporting documents ile,. drivers license, and mail with my name and address information. However they refuse to update the information that is given. I find it very hard to understand how a credit reporting agency can at will go in and change your information on your report at will. This is very disheartening to find that a company can change your info at will. I am attaching my drivers license as proof yet again to prove my name and hopefully this time this name change will stick.

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 2020-12-04
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I applied for a XXXX  XXXX credit card in XXXX of 2020 and made a purchase at that time and the items i placed the order for were all on back order until XX/XX/2020. I had canceled most of the items on the order because i found the items elsewhere. I left 2 desk chairs on my order that i still wanted, however those were still on back order and i was still waiting on them. Comenity bank billed me in XXXX and i called to ask why i was being billed for items that still showed on back order and i had not received yet. I didnt understand how i was expected to pay for something that was on back order. The representative at the time could not give me an explanation as to why they had done that and my items at that time were still on back order. To avoid being billed i asked them to cancel the order because I didnt want to pay for a product I didnt have and was not available. They proceeded to cancell my order however they continued to bill me for items that i did not have. I have called them several times to resolve the issue and end up spending over 2 hrs on each phone call and i have probably called about 5 times in which comenity and pottery barn kids have both told me the problem will be resolved internally and I should not worry about it. Then i end ip getting a bill again to a product that 1. ) was on back order 2. ) I canceled 3. ) I never received the product but they keep billing for it. Im very frustrated at this point. I have filed 2 complaints with them and they have gone nowhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-15
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I attempted to purchase an airline ticket on XXXX with my ATM card issued by CITIBANK. The XXXX web site did not confirm the booking nor did I receive a confirmation via email of any ticket purchase, yet CITIBANK immediately deducted {$550.00} for the ticket purchase. I called CITIBANK on XX/XX/XXXX and told them about the issue. They told me that they had initiated a dispute on the charge. I contacted XXXX who told me that their site was not functioning, and that they would not process the charge since no ticket was ever issued. I called CITIBANK again on Friday, XX/XX/2019 and Citibank told me that they would not commence an investigation on the matter until the merchant would collect on the money or after three business days from the first posting of the transaction. I asked why they would not call the Merchant and release the transaction, and they told me that they do not do it until the merchant collects or after three days. That means that for three days CITIBANK has illegally used {$550.00} from my account, and collected interest on it. They further misled me into believing they would inquire into the transaction while they had a practice of not doing anything about it. This is a deceptive practice for the sole purpose of using account holders money without paying interest on it.

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 2018-03-12
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was laid off from the XXXX XXXX XXXX for 17 months and got behind on my payments. My loan was with XXXX XXXX XXXX until XX/XX/XXXX. They sold my loan to XXXX a company out of Virginia. 
I've tried numerous times to do a loss mitigation or a restructuring of my loan but each time I was told that documents were missing. I am currently working now in the oilfield and my pay is reduced but I can pay my mortgage if they will work with me. Again I submitted all docs via XXXX  and received a phone call from XXXX stating all papers were received. Yet two days later I received an Email saying it's incomplete. Missing were 30 days of my pay stubs which I sent. I Emailed them my response got no reply, so I Emailed pay stubs and also XXXX my pay stubs to a XXXX XXXX and XXXX XXXX ( my Point of Contact ). I feel this is a stall tactic to foreclose because of the " missing '' docs. and also I received a letter from an atty representing XXXX that im in default and have 30 days to respond. 
I am frustrated and depressed over this process and have filed this complaint about the handling of my mortgage and in my opinion unfair business practice that needs to be looked into. I've also looked at their online reviews and it's not just me with complaints. 
Please look into this 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 2020-11-15
Company: EQUIFAX, 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:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: Other 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:
Harvard Collections Per IL DEPARTMENT OF HUMAN SERVICE is  attempting to collect {$3200.00} from an account open XX/XX/18 from fraudulent services used to collect XXXX XXXX in my name i was never contacted but them until now i report this and no one has responded

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Adelante, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Account Services Collections and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

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 2020-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
On XX/XX/2020 I contacted XXXX XXXX to let them know that Transunion was showing that negative mark on one of my XXXX XXXX accounts. Transunion would not give me details about this negative mark and asked me to contact XXXX XXXX. I told XXXX XXXX this did not make sense since I did not have a balance with them nor have I made a late payment. In fact, I have not had any balance with XXXX XXXX for many many months. I told them this negative mark by XXXX XXXX was causing a significantly lower credit score ( by 30 points at least ) on my credit report. The XXXX XXXX representative could not tell me what they negative mark was and told me to write to XXXX XXXX. I have written to XXXX XXXX ask them what negative mark they put 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 2018-07-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 I was notified by my Home insurance company that my home insurance premium of {$1600.00} has not been paid. After contacting my agent and calling the mortgage services : Carrington Mortgage Services, I request research on tracking the payment. Carrngton expressed that their system does not identify on the check a reference to my insurance policy nor does it list me name. They stated they send the check with a reference paper. XXXX XXXX, my homeowner insurance company, stated they returned the check to Carrington due to lack of reference on the check on application of the funds. Carrington denied receiving these funds back from XXXX. My policy lapsed as of XX/XX/2018 and he lack of response from Carrington shows they are not concerned with rectifying the matter. I spoke with a manager named XXXX from Carrington Mortgage services who identified herself as a Manager with the firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount isn't correct my ex didn't paid the amount I try to paid the amount in full they kept saying that my Bank card I was trying to pay my balance off with didn't go thru on 3 different occasions so I couldn't pay the balance off in XX/XX/2018 the balance was {$310.00} at the time now its {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
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:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$610.00} XXXX XXXXXXXX {$23000.00} XXXX XXXXXXXX {$14000.00} XXXX XXXXXXXX {$130.00}

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