BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I 'm writing to you because this company reported me to a collection agency without my knowledge. Once I found out about the collection account I pay the collection account in full to diversified with the understanding that it will be removed because it never should have been there in the first place. So at this point on XXXX XXXX I reached out to XXXX XXXX XXXX on behalf of reporting me to diversified. So I reached out to XXXX and I spoke with a manager by the name of XXXX she told me she reached out to diversified and inform them that this account was no longer in on the right meaning no longer in collection, she also stated in XXXX days that it should be removed from my credit report once again. I reached out to diversify to figure out why would they still reporting on my credit report I spoke to a gentleman by the name of XXXX he ensured me in a couple days that it will be removed no longer my credit report. To my disbelief it still there. So then I reached out to XXXX again on XXXX XXXX and I spoke with a representative by the name of XXXX who worked under XXXX who took my account out of underwrite. She did n't reach out to diversified on XXXX way with me on that day trying to get to the bottom of the removal. So now today is XXXX XXXX I 'll reach out to diversify XXXX times after speaking to XXXX XXXX XXXX with him on the phone. Now at this point diversified is being very rude and I 'm over it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX or XXXX we contacted our second mortgage company requesting a modification with regard to our second mortgage with USAA Federal Savings Bank, the bank advise us that we did not need to request mortgage modification in order to maintain our lower interest rate due to the SCRA. We were to obtain a modification on our first mortgage with XXXX XXXX XXXX mortgage. USAA Federal Saving Bank is telling us they are not offering any modification or refinancing regarding our secondary mortgage in order to lower higher current rate now of 8.5 %, after they told us we did not need to, and our rate would remain at 4 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regarding CFPB dispute : XXXX TransUnion closed my dispute because " our records show there are currently no delinquent accounts being reported on your TransUnion credit report '' HOWEVER, I included an attached letter stating that I got denied credit due to a serious delinquency on my report.

They obviously did not read the letter I attached and I'd like to re-open the complaint.

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 2018-08-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax placed a freeze on my credit score without asking or telling me and it is a mager undertaking to get it lifted .I would like it lifted and would also like to know what right they have to do such.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Experian Information Solutions Inc.
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:
Although my credit report correctly reflects payments made on time for each month within my credit file, Experian continues to report a negative payment status of account was 30 days past due two times and negative worst delinquency of 30 days past due for XXXX XXXX XXXX Acct # : # XXXX. I am not sure if Experian has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX XXXX, but the negative status and worst delinquency information that continue to be reported by Experian are erroneous and damaging to my credit scores. When this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that  Experian make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.

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 2018-08-07
Company: Kohn Law Firm S.C.
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
As described in complaint # XXXX, the provided information sent toa previous landlord had a letter head stating it was from a XXXX XXXX atty at law. This letter was asking for personal information about me to include addresses aand phone numbers. 
In a simple search, it was revealed that it was a post judgment collection agency.

According to FDCPA policy sub section 804 paragraph 5 any symbol, name, etc etc. leading to the disclosure it is an attempt to collect a debt to a third party is by definition, according to FDCPA sub section 813 paragraph 2, subject to {$1000.00} per incidence of said violation.

As a result of that letterhead my former landlord willno liner give me a reference for future rentals. 
I find it hard to believe that a simple response " of any kind '' is enough to close this dispute while I can no longer get into housing I served my country to have the ability to obtain as a citizen. 
I have the letter, the envelope, and even retained representation from a FDCPA protection company, XXXX. I would love to enclose the pictureof the proof, but if I can't figure out howto download it, just ask instead of " closing '' a real complaint. My number is still XXXX, aand you have my e- mail. On top of that, a real agency is taking interest, so the must be something there. Call them. 
Lastly, upon any reply from a company, if which the lawyer 's name is on, should probably have said lawyer working at. All i got was a listof possible agencies, and they all went back to the same people answering the phone. I don't know which agency to even call or to whom I'm talking to. I'm pretty sure I joined the XXXX to protect all Americans, not just big business that has an automated response. Again, i HAVE the letter and envelope and everything enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Selene Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021 I had ordered a payoff for my mortgage with Selene Finance. 
I had explained that I am selling my house and the closing date is XX/XX/2021. 
I was told that it takes 5-7 business days to get a payoff. I said fine. On XXXX had called again inquiring about the status of my payoff. They said that in the next 1-2 days I will receive it ... .... 

The closing is tomorrow, and Selene Finance is denying my right to sell the house by not providing the payoff letter. There is no pre-payment penalty on my loan. 

Please, help me out close on my house tomorrow. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Experian Information Solutions 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 am a victim of identity theft due to an XXXX credit breech. 
This account is a result of identity theft. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Total balance : {$10000.00}

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 non-monetary relief
Consumer complaint received 2019-03-27
Company: CarMax, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/XXXX I cosigned for a truck loan that I believed was for one year with Carmax. 
I was contacted by Carmax when the loan went into arrears in late XXXX. When I had explained to them that my contract was for one year, they informed me that I was liable for the entire duration of the loan. 
The languge at the time of the signing was vague and misleading. 
In order for my name to be removed from the loan after one year the loan would have to be refinanced. 
Carmax does not refianance any of their loans. 
I acted on good faith with what I was being told at the time of the signing, making it clear that I only comfortable with a one year contract. 
The representative was vague and ambiguous with reguards to my questions and understanding. 
In XXXX of XXXX the loan was charged off by XXXX owing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Nelnet, Inc.
State: MD
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:
I reached out to my creditor regarding my account. I was told that if I brought my account current before the XX/XX/XXXX then I would not be reported to the credit bureau. Payment was made before the 90 day deadline. Hence, I was reported with 2 separate items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Location Services Holdings, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/XXXX, we started a loan process with Auto Approve. After speaking/texting with an agent for a few days, we agreed to an offer he made us. 

On the phone, he mentioned how our credit scores and income were very good and we should not have any issues getting a final approval. 

It all changed when he requested a copy of our IDs and my girlfriend 's ID showed " Limited Term ''. He asked about her immigration status. When we advised that she is a XXXX person, he immediately said we did not qualify. 

We have not been sent an Adverse Action Notice. We do have the screenshots of the text messages that support my comments. 

We felt very discriminated against since the decision was made solely and clearly based on her nationality.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: EQUIFAX, INC.
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:
Although my credit report correctly reflects payments made on time for each month within my credit file, Equifax continues to report a negative payment status and negative worst delinquency of 30 days past due for XXXX XXXX XXXX Acct # : # XXXX. I am not sure if Equifax has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX XXXX, but the negative payment status and negative worst delinquency information that continue to be reported by Equifax are erroneous and damaging to my credit scores. When this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that Equifax make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account, i never lived in ohio or been there where this account was opened

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 2018-06-22
Company: EQUIFAX, INC.
State: VA
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 was the original account holder for a fraudulent account that was opened in my name. The account was turned over to XXXX XXXX for collection. I have an account with XXXX XXXX listed on my Equifax and XXXX Credit Reports in the amount of {$1300.00}. Both credit bureaus have refused to remove the account from my credit reports. I have disputed these items and will continue to dispute this item until they are removed from my credit reports. 

I contacted both credit bureaus on XX/XX/XXXX and disputed these items yet again and while both credit bureaus have complied with filing the dispute they informed me that they have verified that this is my account and the information is accurate. 

I contacted XXXX XXXX on XX/XX/XXXX and they referred me to XXXX XXXXXXXX XXXX XXXX  as it pertains to this account. I did contact XXXX XXXX XXXX XXXX on XX/XX/XXXX by phone and they were closed. I also sent them an email as well on XX/XX/XXXX. 

I received a letter from XXXX XXXX  Fraud Dept. dated XX/XX/XXXX that the company verified that this is not my account and that this account was indeed a fraudulent account that was opened in my name. 

I do not understand how I can have a valid letter from the company and yet this item still remains on my credit reports even though the company has verified that the account does not belong to me and was a fraudulent account. XXXX XXXX informed that they sent electronic letters to both Equifax and XXXX  telling them to remove this item from my credit reports ASAP and yet it remains. 

XX/XX/XXXX will be two months and according to the letter I received from XXXX XXXX it can take up to 30 days or 4-6 weeks. Well as of XX/XX/XXXX it will be 4-6 weeks and this item has not been removed from my credit  reports as of yet. The letter sent to me by XXXX XXXX was dated XX/XX/XXXX. 

Also on my Equifax and XXXX Credit Reports they have accounts listed as closed/removed with a {$0.00} balance that is counting against me making my score go down and not up. When items have been verified that they do not belong to an individual and removed from your credit reports your scores goes up not down. Both reports are reporting the same information twice one with the amount and one with a {$0.00} balance so I am confused which one is it? 

Equifax has been the absolute worse of all and they told me that as a consumer I can not dispute any information on my credit report and that they can not delete or remove anything from my Equifax credit report only the company can. Equifax has been giving me the wrong information and every time I call in their is always a problem or I get a person who is a foreigner and does not speak English or their systems are always down. It is never ending and I am sick of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: JPL Recovery Solutions
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A guy named XXXX XXXX called me from XXXX ext XXXX asking where to serve garnishment paperwork for one of my employees. I gave him the address and phone number to our corporate office where that is handled. A couple hours later he called back 6 times in a matter of 10 minutes using 2 different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I called XXXX XXXX XXXX to inquire about getting my daughter phone service at her address- in my name. After taking all my information the young man I spoke with informed me the service I was inquiring about was not available in her area. I thought that was the end and then I started getting bills from XXXX XXXX XXXX addressed to me at my daughter 's address. Eventually the bills started to come to my home address. After several contacts with XXXX XXXX XXXX and explaining I had not had service from them ( at MY home address ) in over 20 years I received paperwork explaining I was released from owing that bill. Now I am getting calls from this company AFNI saying I owe them that amount even though I never owed XXXX XXXX XXXX. I never owed XXXX XXXX XXXX and have no idea why I owe these people who call me continuously and persistently

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On more than one occasion I took a check written to me from a business to their bank ( and their bank branch ) and was informed by the bank I would be charged a fee because I did not have an account at that bank. Their client wrote the check to me for their convenience and record keeping, I should not be penalized. If I deposit the check in my account and if funds are not available then my bank will charge me a fee. I should be able to cash a check written to me at the bank that the check was drawn from, without being charged a fee.

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 2020-05-13
Company: ACADEMIC SOLUTIONS OF NEW YORK, LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX from Recovery Solutions of New York has contacted my father, brother, sister-in-law and sister multiple times attempting to get my personal information, including my phone number, address and financial information. 

I have written to him twice, demanding that he cease all communications, however he has continued to contact my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I was looking through my report and noticed there are some addresses that don't belong to me, along with the phone numbers below : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
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: Personal information incorrect

Complaint:
I was looking through my report and noticed there are some addresses that don't belong to me, along with the phone numbers below : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX ( 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