BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I disputed an item on my report and on XX/XX/XXXX the investigation reported that the item was mine. On XX/XX/20 I spoke with a supervisor after sending in certified mailed proof that the item was not mine and asking her how is it that the investigation was done in 2 days, over a weekend without looking at my proof. The supervisor stated that she did not see where an investigation was done AND someone on their end ( an Equifax. Rep ) changed my address with out my written approval. She said that all she could do was submit a reinvestigation. This violates my FRCA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$2400.00} XXXX XXXX XXXX : XXXX -- -> : {$710.00} XXXX XXXX XXXX : XXXX -- -> : {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My social security number has been stolen and is circulating on the deep web. I have reached out to American Express and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX credit score is now in the 400 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: Experian Information Solutions Inc.
State: MO
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:
Hello, There are plenty of accounts and inquires on my account that I do have knowledge of. I have reached out to all the credit reporting bureaus. XXXX  keeps responding with boilerplate language. These following accounts and inquires do not belong to me. I have tried endlessly to remove these things. 

Inquires that I did not authorize. 

XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XXXX XXXX Banks Individual XX/XX/XXXX XXXX, XXXX Real Estate and Public Accommodations Individual XX/XX/XXXX XXXX XXXX XXXX WI Automotive Individual XX/XX/XXXX XXXX XXXX  / XXXX  XXXX Banks Individual XX/XX/XXXX XXXX XXXX Automotive Individual XX/XX/XXXX XXXX, XXXX Real Estate and Public Accommodations Individual XX/XX/XXXX XXXX XXXX Automotive Individual XX/XX/XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXXL Travel / Entertainment Individual XX/XX/XXXX XXXX XXXX XXXX Banks Individual XX/XX/XXXX Accounts that I have reached out about that do not belong to me. 


XXXX XXXX XXXX XXXX Balance : {$7900.00} Collections : XXXX XXXX XXXX , XXXX {$120.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$4700.00}

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 2021-03-25
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Bill Negotiator by experian. The way they have the picture laid out on the service shows that you will pay a {$16.00} fee for a {$500.00} savings for them negotiating your cell phone bill so I signed up and gave them my debit card number. I even thought it was such a great deal that I went ahead and started signing up my second account. But in fact for example upon looking past the tricky way they have it laid out if they saved you {$500.00} a year on your bill they would charge you a {$200.00} fee!!!! That is a ridiculous amount. So quickly on the second one before I hit submit I was able to delete my 2nd bill. However when you go to cancel the first one it says it can not cancel it because it is already in progress then it says your negotiation will begin in 3 to 7 business days. Well obviously that to me means that it is not in progress it has not been started and my money should be properly refunded. They are to be ashamed for a credit card company to proclaim that theyre actually trying to help people w bad credit loose any money they have left and cause them more bad credit!!!

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 2020-02-21
Company: General Motors Financial Company, Inc.
State: TX
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:
have a XXXX XXXX financed through GM Financial. We have a series of 30 day lates in XX/XX/XXXX stemming from Hurricane Harvey, but have made on-time payments from XX/XX/XXXX to present. Below is a history of my attempts to have information reported accurately, and their response : XX/XX/XXXX : I sent the CEO an email asking for deletion of reporting errors stemming from XX/XX/XXXX. 



XX/XX/XXXX : CSR contacted me RE email and stated they reported late, and wouldnt change anything. I advised that practice was illegal per the FCRA, but he insisted it was their company policy. 



XX/XX/XXXX : Initial call with GM Financial AVP Customer Experience named XXXX XX/XX/XXXX : XXXX stated she would send us a letter stating that our XXXX and XX/XX/XXXX payments were made on time. She would reach out to us next Tuesday XX/XX/XXXX : XXXX stated that said letter would have to come from legal. 



XX/XX/XXXX : XXXX XXXX : XXXX stated on a call that she was unclear if the call was being recorded. She re-confirmed the following statement : No, you were not late for your XXXX or XX/XX/XXXX payment. I cant speak to why we wont send a letter stating that, but its the guidance our legal team has given us. 



She went on to state, Your XX/XX/XXXX payment was late, and we reported it as a late payment for XX/XX/XXXX. 



Additionally, XXXX gave us a non-working number when we asked for their corporate HQ and/or legal team direct line. 



Because GM Financial has on multiple occasions admitting that their reporting practices are in violation of the FCRA act, I am requesting that ALL late payments on account be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
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: Account information incorrect

Complaint:
I was disputing late payment on my credit history by sending letters to Credit Bureau, But Credit Bureaus did not reply to my dispute after second letter. They sent me answer once by saying account was verified and status of the account is correct. 
I sent dispute letter to Creditor directly. After I called to Creditor to follow up my dispute, by phone I been told that my account is current and do late payment was occurred. 
I need your help at this point.

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 2018-01-29
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email stating that a debt collector called collection bureau of fwb has been placed on my credit report back in XX/XX/2013 for {$57.00} dollars. I disputed this many times stating I have no knowledge of this account, I never even heard of XXXX XXXX. I'm very upset that this has been placed on my account due to me not even knowing about this medical facility of whatever this maybe. I've tried contacting this place to notify them that I have no knowledge of this account and to remove this off of 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 2018-01-24
Company: United Check Recovery Bureau, Inc.
State: OH
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:
I have received several harassing phone calls since XXXX XXXX, 2018 to the present day of this writing ( XXXX XXXX, 2018 ) from various representatives giving a variety of names ( XXXX XXXX ... .XXXX XXXX are two of the names they are using ) from a company calling itself XXXX ( United Check Recovery Bureau ... the address from the Better Business Bureau is XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX. One of the many telephone numbers they utilize is XXXX. 

The only way I know the name of the company is that I have done extensive online investigation on the telephone numbers they are calling from ... rarely do they identify themselves. They have called me at home, on my cell, at work, and now are calling several of my relatives. I do not know any information on the debt they claim to be collecting. I have sent them a validation letter, and a cease and desist letter, and also given them the name of my attorney and demanded they work through her, but they keep calling. 

My nephew who lives in a different state called to me today to tell me that this company called him asking my whereabouts. They know my whereabouts because I have contacted them and they have my address. This is just an intimidation tactic they are using. They have failed to validate the debt and keep telling me that they " emailed the information '' to me ... which they did not, and besides, a valid validation should be in writing. The representatives are rude, harassing, and this XXXX XXXX sounds as if she has been smoking since birth. Please help this is causing incredible problems with my employer. If you google XXXX or Unite Check Recovery Bureau ... .there is a multitude of complaints on various websites about their harassing tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/XXXX ( Sunday ) American Express called me 5 times to collect a debt, these calls have continued at a maximum of 10 calls per day from number XXXX after requesting that the calls stop and that the debt would be taken care within the next week, the debt collector proceeded to contact my employer 4 times within 5 hours revealing that they were collecting a debt and from what company they were from. When leaving work I received written notes from all the calls from American Express. The company has violated my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have applied for XXXX in order to refinance my mortgage with Select Portfolio Servicing ( SPS ) since XX/XX/2021 and they still have not completed this documents. I was told at the beginning of this process to allow them 6-8 weeks, but now it has been more than 16 weeks and nothing has happened. I have made all my payments on time since 3 years ago that they took over my mortgage but because I have a very high interest rate, I'm having hard time making my future payments. I have tried calling and communicating with them numerous times and every time my complains don't get anywhere. It seems like they are holding the note XXXX so please help me get my XXXX completed so I can finish my refinancing to a lower affordable rate with my new lender. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: ARVEST BANK GROUP, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today ( XX/XX/XXXX ) I received a " Goodbye '' letter dated XX/XX/XXXX from my mortgage servicer, ARVEST Central Mortgage Company informing me that my mortgage servicing had been transferred to XXXX XXXX  XXXX. Arvest will stop accepting payments on XX/XX/XXXX and XXXX will begin accepting payments XX/XX/XXXX. 

This is ridiculous. a critical payment notice and change of servicer within 10 days of taking effect? How long has this been in the works? Servicing transfers just don't happen overnight -- - I've been in the capital markets for over 30 years and know how long these agreements take. 

My original mortgage was executed on XX/XX/XXXX and subsequently transferred to ARVEST within the first 60 days. Now another transfer within 15 months.

This is just one more example of financial institutions treating customers as financial commodities and in the process putting customer credit and payments at risk. 

If financial institutions are authorized to issued mortgage loans, they should be required to retain them on their balance sheet, manage the risk, and treat the customers as key relationships -- - not just another fee-based transaction. This puts customers at risk through no fault of their own, just the greed of financial institutions to extract a profit. 

The CFPB ( and Congress ) needs do more to protect American consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX, XXXX XXXX XXXX collection account no. XXXX is inaccurately and wrongfully re-aging the date of first delinquency on their acct. on EQUIFAX BUREAU. 
I have attached the exact same evidence XXXX saw to delete " for the retention period ''. 

10 days from today the 7 year retention period ends.Equifax in their most recent CFPB complaint ( attached here ) did not investigate as XXXX has done.This will not bode well for Equifax in court when the judge and jury is awarding punitive damages for more than 50 fraudulent verifications- ( according to the lawyer creditors ) XXXX  Legal did not consult their creditor for removal because sufficient proof of the re-aging was supplied here just as you have before you today.

So if not removed from EQUIFAX BUREAU BY XX/XX/20 please send a {$10000.00} check for damages.This is the max.limit small claims damages in my area.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Paypal Holdings, Inc
Product: Credit card or prepaid card
Sub-product: Student prepaid card
Issue: Unexpected or other fees

Complaint:
I have been caught by a scam buyer. He bought my electronics and I shipped in from XXXX which he had to pay XXXX but never got paid. We shipped it to an address in XXXX XXXX XXXX under the name of XXXX XXXX at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, this is the tracking number. XXXX The buyer email is XXXX and the fake pay pal email address is XXXX. They threathen us to pay XXXX in order to withdraw and i did paid to a bank in XXXX and i hope you can also contact XXXX XXXX in XXXX as well. I have found someone in different state also sold an phone to same address. I am suppose to be paid XXXX and the other person is XXXX XXXX. I have contacted police authorities but they said they need an lawyer. 
Also I been charged couple of times to a bank name in XXXX. 
Nama. XXXX XXXX XXXX Account Number. XXXX Bank Name. XXXXXXXX XXXX Bnak Status. Savings Account Zip Code. XXXX City. XXXX Phone Number. XXXX Country. XXXX from XXXX XXXX  XXXX XXXX no XXXX XXXX XXXX I have an someone who helped me investigate the address and the person for free and they need a attorney for further arrests and get my money back. I have the contact info. I hope you can help me out. I will pay you after i can get my money, and I want to get my money. WE just need someone to write an agree form XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$XXXX} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-21
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
LOAN : XXXX XXXX County SunTrust Mortgage was PAID XX/XX/2006 - the Mortgage was sold 16 Years ago. 
SunTrust Has failed to File a satisfaction and release for 16 Years ago and should be fined for damages. Any lender which has sold the Mortgage and it's NOT even the servicer, must file a satisfaction and release within 30 Days. 
SunTrust Mortgage should have satisfy : Upon full payoff of the mortgage from another, and here with I the mortgagor demand of the mortgagee that satisfaction be recorded. The mortgagee had 60 days from the date of the sale without recourse to comply, or face liability. Marginal Satisfaction : Not allowed. 
SunTrust Mortgage should face penalties and In the case of a civil action arising out of the failure of the mortgagee to properly record, within 30 days of demand, a satisfied mortgage, the prevailing party shall be entitled to attorneys fees and costs, and shall be guilty of a misdemeanor of the second degree. 

Once a mortgage or deed of trust is paid and sold, the holder of the mortgage is required to satisfy the mortgage or deed of trust of record to show that the mortgage or deed of trust is no longer a lien on the property. 

The general rule is that the satisfaction must be in proper written format and recorded to provide notice of the satisfaction. 

If the lender fails to record a satisfaction within set time limits, the lender may be responsible for damages set by statute for failure to timely cancel the lien. 
Depending on your state, a satisfaction may be called a Satisfaction, Cancellation, or Reconveyance. A satisfaction is where the former holder of the mortgage records and files with the office of the clerk a satisfaction on the face of the the recorded mortgage, which is attested by the clerk. 

SunTrust Mortgage was paid 16 Years ago, does not have a mortgage or note. 
The recording of a satisfaction is to be made forthwith or be held liable for all the damages!

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 2021-08-05
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Southwest Credit System is reporting to all 3 credit bureaus regarding an account with a XXXX  balance that is not owed. I have attached the credit report showing how this account is reporting to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: EQUIFAX, INC.
State: GA
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 filed a complaint with Equifax to have so inquiries removed from my credit report, Equifax deleted 18 inquiries but did not delete the rest on my credit report I have 12 inquiries on my repor that I want deleted, I have screen shots of 12 inquiries remaining on my Equifax credit report that I want deleted I do not recognize these inquiries and would appreciate if Equifax delete these inquiries, I have filed a FTC identity theft report and sent to Equifax, you can not get all these inquiries on this FTC report, so Im sending the screen shots to Equifax and show them that the rest needs to be deleted

Company response to consumer: Closed with explanation