BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At the beginning of XXXX, I received notification of a debt sent to collections via XXXX. The debt was for a XXXX account claiming to be under my name. I sent disputes to the collection company, XXXX XXXX XXXX, and it was removed from my credit report due to the account not being valid. I was able to provide verification of my cell phone number and address that didn't match the information on the collection account. The account was deemed unverifiable and removed from my credit report in XX/XX/XXXX. Since then, the account was sold to a new company, Southwest Credit, and is currently back on my report as of XX/XX/XXXX. I sent the same verification request to the new collection agency and they can not verify my account. The only thing they sent me was a bill dated back in XX/XX/XXXX. I've been a XXXX XXXX customer since XXXX, the cell number on the documents are not mine, and the address has a XXXX XXXX XXXX Oklahoma where I don't reside. I've lived in California since being stationed here in XXXX with the XXXX. This is extremely frustrating because I'm in the process of buying a home and this unverifiable debt is causing my interest rate to be higher. I shouldn't have to keep redisputing the same account every 6 months and would like assistance in finding a solution to this matter. This company can not provide proof that this debt is mine or copies that show that i have agreed to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax is continuously reporting inaccurate and fraudulent information on my credit file. I have called on numerous occasions and sent letters that requested debt validation to confirm debt and Equifax has failed to do so. If and when Equifax respond they state verified without sending validation as I requested. Documentation is needed to verify debts contacts etc. I have no contracts with any of the said companies below and never have. I demand Equifax to remove immediately since they can not validate with documentation. Not to mention Texas has a 4 yr statue limitation and these accounts are well over 4 yrs old and need to be deleted indefinitely!! Below is how its showing on my credit file!! Equifax is violating FDCPA as I reported to them as well. Ive requested debt validation in writing for months and have yet to receive validation!! Its been over 90 days Equifax has yet to respond!! Equifax is reporting these accounts as charge-offs and collections this is against the law. 

XXXX XXXX XXXX XXXX # XXXX Last reported XXXX. {$960.00} Balance Charge-off ( closed ) Date opened XXXX Last Payment XXXX. 4 yr statue limitations in Texas delete indefinitely XXXX XXXX XXXX # XXXX Last reported XXXX {$0.00} balance Date opened XXXX Last payment XXXX Closed/Transferred/Charge-off 7 yrs old 4 yr statue limitation in Texas delete indefinitely XXXX   XXXX # XXXX Last reported XXXX Closed {$880.00} balance charge-off/collection Opened XXXX No date of last payment Past Due {$1500.00} 4 yr statue limitation in Texas delete indefinitely XXXX No account number listed Last reported XXXX Its reporting for both the collection agency and original creditor. Status Open XXXX No last payment reported Balance {$11000.00} Showing 3 yr 5 months old Account was deleted XXXX due to being unable to validate in writing and was reinserted in my credit file without my knowledge. Ive attached the documents from XXXX as you can see its not me. Not my name address phone number ID or social delete immediately and indefinitely!! Ive also attached report from XX/XX/XXXX when I disputed said fraudulent account and Equifax claimed it wasnt on my credit file reporting and it was reporting!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions Inc.
State: AR
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: Other problem getting your report or credit score

Complaint:
EFFECTIVE TODAY ALL PARTIES LISTED MUST CEASE REPORTING ANY OF MY DATA IN DATA BASES, NO AUDIT TRAILS NO MORE CREDIT REPORTING AT ALL OR FACE A XXXX DOLLAR LAWSUIT.

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 2021-02-02
Company: Regional Management Corporation
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: Reporting company used your report improperly

Complaint:
XXXX XXXX illegally, and unauthorized accessed my credit file, running a hard inquiry indicating that I was applying for a new line of credit, and you continued to certify that as a true and accurate statement. Ms XXXX stated that she in fact ran a hard inquiry due to my not responding to their calls, and mailings. I advised that I had no obligation to communicate with her office verbally or otherwise as my obligation was repayment of a loan, which payments were consistently made. Ms XXXX did not have a legal right under the law to access my credit file and violated my consumer rights as well as my rights under The Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act, and was advised to remove the false, and illegal inquiry after which she retaliated by sending me a letter stating that I was in default of my loan which was false and simply a way to intimidate me, and further violate my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Rocket Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Quicken Loans contacted me on or about XX/XX/XXXX and asked if I would like to close my purchase loan before XXXX and close in XXXX. I said sure and we began the process of the paperwork etc. XXXX XXXX ran the file through automated underwriting and he said he got an accept. If it were not an accept we wouldn't have gone any further as Quicken does not do manual underwrites. So I gathered all documents and geve them everything they could want and more. They did not follow the guidelines set forth by HUD, and they had no overlays. Mr. XXXX kept telling me very rudely that he was waiting for my rapid rescore on my fico. How could that be when my score was a XXXX and the required score was a XXXX. He was definitely discriminating against me for my XXXX. He would not follow the rules of XXXX borrowers who have returned back to work. I didn't like the way things were progressing and I withdrew the file. Quicken never sent me an adverse action letter or denial until I requested one several times. I finally got it on XX/XX/XXXX. It said judgements, bankruptcy, foreclose, or slow credit. None of which I have and if there were any of these things I should have been contacted and made aware so I could have the opportunity to fix the problem. They continue to insist there was a judgement. I am telling you there was no judgement. Then I am looking closer at my file to see what possible reasons I can find and it states : { EXTERNAL ] { POSSIBLE FRAUD SCAM ] DENIAL and then my loan number. So my intelligence tells me they had my loan marked as some sort of fraud or a scam. They need to be able to back that up as to where this information came from as it is not true at all and I am demanding they provide whatever source this is coming from. I have been denied unjustly and if I am on some list I need the opportunity to get myself off this list.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/2020 Redeemed XXXX points from my US Bank XXXX XXXX for {$800.00} to be deposited into my US Bank Checking Account Week of XXXX Called Customer Service line to inquire on why redemption hasn't deposited into my account yet, all under the same name. 

XX/XX/2020 Called again and was escalated to a manager, was explained nothing can be done while a separate team, where I can't contact, will look into it. 

Close to three weeks wait for a rewards redemption is unreasonable. At the same time, my annual fee just posted, at least that works. It feels like my redemption is being held hostage and I'm forced to pay the annual fee whether I want to continue the card or not.

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 2019-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Both Capital one and XXXX XXXX XXXX were both actively collecting on the same two duplicate accounts ( they all have different amounts owed listed ) at the same time. I have asked XXXX XXXX for proof of the debt/ownership and have yet to receive it, yet they still have had time to send me threatening mail and call me continuously. On my XXXX  account, it shows that Capital One, only recently, closed the account on XX/XX/2019, with a pay status of " Current or Paid as Agreed ''. Despite this, XXXX XXXX has been actively harassing me with phone calls multiple times a day ( every day, including weekends ), that start at XXXX XXXX and go throughout my time at work. They have even sent various letters that threaten to sue me ( to various unverified addresses ) with one being delivered to my old address and signed by somebody else, with no intent to do so. A lot of the times I felt that they have even misinterpreted themselves as legal counsel. I have attached their most recent letter, that I've received, which is threatening legal action, as well as what both creditors have reported to XXXX. The only reason that I have not tried to resolve this issue with them directly is because I feel that this company is untrustworthy, from what I've experienced so far and would appreciate the help of a third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23
Company: EQUIFAX, INC.
State: NJ
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:
XX/XX/XXXX I sent a letter to the bureaus in regards to my items being disputed in all forms of inaccuracy XX/XX/XXXX I got no response then I filed stating I was reporting them & certified these aswell.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
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:
Experian Credit provides " guidance '' on improving credit scoring. When I follow THEIR guidance nothing happens! I had a XXXX credit score. " Now, it's XXXX! WITH NO CHANGE IN MY PAYMENT HISTORY! To refinance my home at the best rate, 2.25 %, I need an XXXX. My credit is " EXCEPTIONAL '' { Experian 's words not mine } and indeed it is! NO missed or late payments EVER. YET month after month NO VIABLE INCREASE. I guess their " scoring rules '' use things like " length of credit accounts '' which I have NO CONTROL over except MORE WAITING for time to go by! This is UNFAIR and UNJUST. THE US GOVT NEEDS TO STEP IN AND MAKE THESE CREDIT COMPANIES BE REALISTIC! They REFUSE to do it on  their own!!! If I am, by THEIR OWN WORDS, " Exceptional '' WHY isn't it designated XXXX NOW!!!??? IF CFPB is a watchdog agency, where are the REPERCUSSIONS for these companies? Reaching AN IMPOSSIBLE STANDARD is NOT a " Standard ''. Also, as SOON AS YOU LOG IN, one is MET with PAY US {$24.00} A MONTH and things will be better! SCAM!!

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 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 is a public record on my credit report. I don't have anything negative against me whatsoever so I am unsure why something like this is being reported on my credit. I contacted the agency that is reporting and they indicated that they don't report any information to the credit bureaus. Please remove this erroneous information from my credit report as it's hindering me from purchasing another home. 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 2021-02-02
Company: Experian Information Solutions Inc.
State: DC
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 am a single mom with XXXX kids who suffered extreme physical and emotional abuse by my ex husband who fraudulently stole everything we had, opened credit cards under my SS # and caused us to be evicted and homeless for years. Due to my ex husband actions I received multiple calls from collections that were not mine and struggled to survive. I was able to settle with XXXX after I told them what has happened and that I am not responsible on these accounts but they kept threatening me to take me to court if I won't pay. XXXX never explained me my rights if any, even after explaining that I am a victim of Identity theft. They said that I am responsible since it's my SS and promised me to decrease the amount and delete the information from my credit report. After months of payments, I finished and called them however, they refused to delete the 3 accounts. I contacted the credit companies with regards to 3 XXXX accounts that were promised to be deleted, provided them with my eviction letter, a police report about my ex husband stealing all we had and explaining them that these 3 accounts are not mine. I disputed for over a year every month through their online dispute, called and disputed by phone, and mailed supporting documents. They just don't care. I am struggling during the pandemic with XXXX kids and these fraudulent items hurt my life severely. Please help me remove these three accounts from my credit repots.

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 2017-08-11
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX, 2017, I went on Regions.com online banking website to make a payment on my Regions XXXX  Card. The payments are due on the XXXX of each month. I made a payment of {$100.00}. I received confirmation of it being received. A couple of days later, i checked back to my online account where it showed ( ACH Return ... {$100.00} ) I did n't think much of it at this particular time, until I made the XX/XX/XXXX payment for {$200.00} and the same thing happened again. I checked with my Financial Institution to see what was happening. It was determined that the transaction was pulling from my savings account, instead of my checking account which is the account I always pay my bills. I only keep a very small amount of dollars in my saving account. I was told that I had left off a digit that should precede the account number. I was never told that was how it should be done until this issue came about. If you look at my history of making payments, you will see that I am consisted in making my payments on time. I value my credit worthiness and have worked hard over the years to maintain a high standard of excellence when it comes to my credit score. I am sending extra documentation to help substantiate what I have written in this statement. Please reconsider removing the negative information from my credit reports with each credit bureau. Thank you. 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 2019-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I make electronic transfer from XXXX XXXX XXXX XXXX to Bank of America. This is the second month Ive gotten a line of Excuses from Bank of America as to why my deposit hasnt posted. 

My payment was paid on XX/XX/2019 and as of Today XX/XX/XXXX had not been credited to my BofA account. 

So BofA is charging interest for weeks after payment is made. 

Last month they told me it could take up to 72 business hours for a deposit to post

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 2019-10-25
Company: STERLING JEWELERS, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was paid in full as of XX/XX/2019. The credit report should be updated to read as closed and paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called American Collection Enterprises , Inc. today 3 times. I originally received the phone number from the medical provider I owed the balance too. I spoke with one guy at ACEI who transferred me to a woman name XXXX XXXX who was very rude. I asked her how can I receive a copy of the letter which they stated was mailed to me in XX/XX/2020, which I informed them I never received. Because of the back and forth conversation I asked to speak with her manager, which she state no because she's not saying what I want to hear so I hung up and retried the call to get another representative. When calling back the receptionist forward me back to Ms. XXXX. I asked if she was the representative I just spoke too. Again, it was a back and forth conversation then she put me on hold to listen to music. I called back again and demanded to speak with a supervisor, which I was then transferred to a Ms. XXXX who also wasn't listening to my request. As I stated to her I was requesting a copy of the letter they said they mailed back in XX/XX/2020. This company is very rude. I told Ms. XXXX I will call the medical provider and pay whatever is owed to them because I'm not paying someone who will not provide the communication they stated they sent. Ms. XXXX stated go ahead it will just take longer to get it resolved. Why would I pay anyone who stated they mailed me communication when I'm requesting that they send it to me again so I will know who I'm making a payment too.

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 2021-02-02
Company: ClearPath Lending
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On Friday, XX/XX/2021 I received a phone call from a home mortgage originator company called ClearPath Lending. His name was XXXX XXXX XXXX, XXXX ID # XXXX. They are the company who did my last refinance on my house. He asked if I'd be interested in doing another refinance into a lower rate. I asked him how much lower would my payment be. He said he didn't have the details in front of him but would go look it up and call me back in a few minutes So, I said OK. A couple minutes after we hung up, I received a series of messages in my email that some company called XXXX XXXX  had just made a hard inquiry on my credit report. I had never heard of them and I got scared I had become a victim of identity theft or something, so I was freaking out! A few minutes later Mr . XXXX called me back. I immediately asked him if he had just run my credit. He said yes. I told him he did not ask my permission first and I never wanted my credit run! He apologized and admitted that he did do it without permission and I told him to fix it. He said I'll get in touch with my manager and see about a gift card for you. I yelled at him, telling him I wasn't interested in his gift cards - I wanted the inquiry removed. He has done nothing to fix it yet.

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