BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-21
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX SENT A NOTICE ON XX/XX/XXXX STATING THAT WAS REPRESENTING DISCOVER BANK TO COLLECT A CLAIM AGAINST ME FOR $ XXXX.I SENT XXXXXXXX XXXX XXXXXXXX . A LETTER US MAIL ON XX/XX/XXXX DISPUTING SAID DEBT, OR ANY PORTION THERE OF.NO RESPONSE FROM XXXX..ON XX/XX/XXXX I SENT ANOTHER LETTER TO TO XXXX DISPUTING SAID DEBT. ON XX/XX/XXXX XXXX FILED A CIVIL SUMMONS AGAINST ME {$1800.00}. I FILED A REQUEST ON XX/XX/XXXX FOR DOCUMENTS IN CONNECTION WITH THIS MATTER.ON XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX.DENIED ALL REQUEST FOR DOCUMENTS. STATING REQUEST SEEK TO DISCOVER INFORMATION, DOCUMENTATION OR TANGIBLE EVIDENCE PROTECTED FROM DISCLOSURE BY ATTORNEY-CLIENT PRIVILEGE .XXXX  STATES THAT MY REQUEST FOR DOCUMENTS AS IMMATERIAL, IRRELEVANT, AND TO BURDENSOME.WITHOUT INFORMATION OR KNOWLEDGE SUFFICIENT TO FORM AN OPINION AT TO TRUTH OR ACCURACY OF CLAIM. ON XX/XX/XXXX XXXX FILED A MOTION FOR JUDGMENT .WITH OUT A HEARING.ON XX/XX/XXXX XXXX GOT A  JUDGMENT. WITH OUT A HEARING BY DEFAULT .STATING I DIDNT RESPONSEIN A TIMELY MINNER .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: BB&T CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
First complaint filed with BB & T Bank not answered properly, I asked for specific information that was not address in response, I hereby request BB & T has violated my rights and request to be removed from XXXX and XXXX XXXX at once 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 2019-08-30
Company: Security Credit Services, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received notification from a seperate collection agency ( XXXX XXXX XXXX ) that I was sent to collections. I was notified of the charge in XXXX of XXXX, and the default on a loan was in XXXX of XXXX. This was the result of a fradulent charge and identity theft that I was unaware of until I received this notification. 
The current creditor os Security Credit Services Original Creditor was XXXX, XXXX XXXX Original account # Internal file to XXXX XXXX Balance : {$1000.00} Someone fraudulently opened an online loan in my name from a previous address that I had not lived at since XX/XX/XXXX. I reported to all credit reporting agencies and the collection agency. They said it was a legitimate charge and it is NOT! I provided documentation that showed I was living out of state in XXXX including by tax return and a paystub. They still refuse to remove it from my credit report. IT IS NOT MY CHARGE! 
After I called and left a voice mail with SCS, I have been overinundated with scammer calls and I am convinced they have sold my data for harassing solicitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: FirstPoint Collection Resources
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2018 Cease and Desist was sent to address listed on company letter head, I am still receiving calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XX/XX/2018 Navient processed my forbearance only until XX/XX/18. At the time I filed for forbearance I was told to send in tax documentation in XX/XX/XXXX because it'll take up to 30 days to process. Once I sent that in they removed me from forbearance and my payment was due. Now I'm being penalized! I only did what I was told. I have called them 3 times including the call I'm on now and they keep telling me it'll be reviewed but so far nothing is being done. This is one of the reason why I just disregarded them altogether initially. It's a damned if you do, damned if you don't situation and I see why they're facing lawsuits. I just want my account processed correctly and in a way that benefits me and not hinders me any further. They get in their feelings when I start using profanity but also say they understand : OBVIOUSLY THE XXXX NOT! I just want accurate information and procedure information because they're stressing me out!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX was contacted by " XXXX XXXX '' about a debt I " owe to CitiBank from a bestbuy card ''. I have never recieved paperwork or any means to verify, and the associate on the phone told me I could not receive anythiung unless i gave him my checking account # and a routing #. I was told repeatedly this is the only way I could see any of those records. I really want to get rid of this debt but am scared I am being scammed and cant figure out how to verify anything

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 2018-09-05
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: Their investigation did not fix an error on your report

Complaint:
i Have disputed the information on payment history. I have also contacted the creditor who stated the information was submitted to be corrected. My credit profile still has not updated the file and corrected the past due payments showing on my credit file. I have asked for a copy of the verification method used to validate the accuracy of their investigation and received nothing but a copy of my credit report stating the the information was verified and not changed. I've provided my billing statements from the months in question as PROOF to not being late for those months and actually having the payments made IN ADVANCE for the months marked late on my credit profile, only to still receive the same results. This is creating a drop in my credit profile and I need this resolved. All 3 bureaus seem to be NOT correcting the reporting, only deleting the payment history all together or stating to me that the payment history is accurate. I don't want my payment history deleted, I want my excellent payment history updated and reporting accurate 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 non-monetary relief
Consumer complaint received 2018-09-05
Company: REGIONS FINANCIAL CORPORATION
State: IL
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:
Regions Bank mailed me a credit card offer, their Signature Prestige Visa, which  promised a {$150.00} cash bonus if I made {$1000.00} in purchases in the first 3 months after opening the account. I applied, was accepted, and received my card in early XXXX. I made {$1000.00} in purchases in the first three months, but Regions refuses to pay me  the cash bonus promised.

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 2019-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I obtained my Transunion and XXXX credit report there were US Bankruptcy Court items listed on my credit report as per the FCRA 623 ( a ) ( 5 ) if the credit bureau can not validate the information with the original creditor they must remove the said information. Transunion and XXXX  has failed to provide me with the requested information, which is a Fair Credit Reporting Act Violation because they are supposed to verify with the original creditor. XXXX  sent a response stating that they have already verified the information and will not verify it again. I contacted the US Bankruptcy court and they said that they do not verify information with the credit  bureau. I also received a copy of my XXXX XXXX report and it does not show a bankruptcy record on my XXXX XXXX report. I need all the Bankruptcy information currently showing under my social security number permanently deleted from my credit report immediately. Attached is a copy of the XXXX XXXX report showing no bankruptcy record and a copy of my XXXX  report showing 2 of the bankruptcy 's deleted and I thought that the credit bureaus use the same method of verification.

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 2020-12-12
Company: EQUIFAX, INC.
State: MS
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:
ACCOUNTS LISTED ON MY CREDIT REPORT THAT DO NOT BE LONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-21
Company: Student Loan Debt Agency
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
My Boss received a letter addressed to me at his home address from a " Student Loan Consolidation and payment reduction program '' inside this letter is disclosed the total amount I owe in student loans. I have never lived at his address.

I am angered that my personal information was sent to his home and that my personal information was disclosed to him. The letter stated it was my " Final Notice '' so he has been receiving this information repeatedly. He brought it to my attention today XX/XX/18 and stated he was not sure why it was being delivered to his home.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
IU was contacted by " portfolio recovery '' about a debt I " owe to XXXX from a XXXX  card ''. I have never recieved paperwork or any means to verify, and the associate on the phone told me I could not receive anythiung unless i gave him my checking account # and a routing #. I was told repeatedly this is the only way I could see any of those records. I really want to get rid of this debt but am scared I am being scammed and cant figure out how to verify anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I was denied housing when I wasnt aware of all the inaccurate information that showed up on my report. In which I feel like Im a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: EQUIFAX, INC.
State: MI
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 opened XX/XX/16, {$610.00} XXXX XXXX XXXX, {$3700.00} XXXX XXXX XXXX {$9800.00} These collection accounts do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
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: Account information incorrect

Complaint:
The credit reporting agencies allowed XXXX XXXX XXXX add information on my credit file without ensuring the creditor was in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I've lived in a different state for more than two ( 2 ) years. I  received no communication from the creditor. Yet, the creditor was allowed access to my credit file which has my current address. The bureaus should have made ensured the creditor had sent letter a to my address on my report prior 30 days prior to allowing the item to be added. I should have received the following from the creditor : - notification of an attempt to collect a debt - giving me 30 days to dispute the validity of the debt - stating to me the amount of debt that I owe - provide me with the name of the original creditor - to my knowledge I had not received such a letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I responded to a banner ad from US Bank to open an account with promo code XXXX. I had to do 3 XXXX send money transactions for XXXX over 3 months. I also registered my cell phone with their app. Before it was opened, I had to talk to a banker to verify information and in the process I asked her if the promo code looked good and had been accepted and she emailed me back that it did. Now, it's time for the XXXX bonus and US Bank replied that I had to live in the XXXX area and missed it anyways by a month. That's surprising because I printed out the terms and read the fine print and did not see that.

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 2018-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 was an authorized user on 2 XXXX XXXX credit cards. I have been removed from the cards but my credit reports have not updated.

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 2018-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
fraudulent credit card opened under my name listed under my old neighbors address. I would like to press charges against her. credit card company is XXXX XXXX XXXX. the neighbor who stole my identity is named XXXX XXXX from XXXX XXXX Fl XXXX. She works at XXXX XXXX XXXX. she opened a fake account under my name for XXXX $ and maxed it out I caught her from my alerts on my phone. the address of delivery was her 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 2018-09-05
Company: Eagle Home Mortgage, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We started the home buying process with Eagle Home mortgage in XX/XX/XXXX. 
Throughout the loan process what we found surprising as first time home buyers was the lack of responsiveness and customer service to our questions or concerns. In fact, this behavior continued until days before closing in XX/XX/XXXX when we had to reach out to our Loan Officer by phone after a number of attempts to learn that our interest rate had yet been locked in! This was rather upsetting as we had many months to discuss and lock in a much lower rate. As first time home buyers we had an expectation that Eagle would have our best interest in mind, however it very much felt like we were just a number. 

During closing we were informed that our first mortgage payment would be due in XXXX and we were prepared to make this payment. In addition to this we were told we would be contacted by the mortgage company to whom we should make payments as it is common for the loans to be sold rather quickly. Come end of XXXX we still did not hear anything. So we reached out our loan officer to assist us as we did not want to miss this payment. However, there was absolutely no response to the voicemail left. Furthermore, we contacted the legal office for guidance to direct us to whom we should be submitting payments, yet this individual had no information other than to tell us that we will be contacted soon by whomever we should make payments to as it is normal for the loans to be sold. Days later we were contacted by XXXX XXXX who informed us that our loan was sold on XX/XX/XXXX and their records indicate that our first payment is not due until XXXX. We accepted this information as true considering we had recently been in contact with Eagle, and we  were contacted directly by the new mortgage company. 

After this experience, it was not until late XXXX that we received a letter in the mail from Eagle Mortgage informing us that although our loan was sold XX/XX/XXXX, we still owe them for the month of XXXX and had missed our first payment. This communication was unacceptably delayed considering our early contact efforts in XXXX to make sure we were doing everything right. 

In all, Eagle Mortgage continues to demonstrate a lack of responsiveness and does not take full accountability for how their delayed communications impact their customers.

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 2018-06-21
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX I sent this letter to XXXX XXXX Dear : XXXX XXXX XXXX As I was reviewing my credit report I became aware of a collections account reporting by your company. What I find strange is your attempt to collect on a debt thats non-existence. Why would I pay for something I do not owe? Again, I dont owe you any money? 
With that being said, please see this letter as me disputing this alleged debt with your company as well as requesting debt validation. 
Thirty days, is more than enough time for you to send me legal supporting documents bearing that this account belongs to me, hence owing you any money. 

Regards, Experian XX/XX/XXXX Report # XXXX Dispute Results : * XXXX XXXX XXXX XXXX-Verified as accurate *XXXX XXXX XXXX XXXX XXXX- Verified as accurate Experian XX/XX/XXXX Report # XXXX Dispute Results : *XXXX XXXX XXXX XXXX Deleted *XXXX XXXX XXXX XXXX XXXX-Updated If XXXX XXXX sold this account to XXXX XXXX XXXX why were they both reporting as open? Once I sent the debt validation letter to XXXX XXXX XXXX it was finally removed. Attached below is the letter that I sent the credit bureaus. 

Dear Credit Bureau I am writing to dispute this account that is reporting inaccurately. I contacted XXXX XXXX XXXX at the telephone number XXXX on XX/XX/XXXX at XXXX XXXX and was advised to contact another number XXXX. What I find strange is XXXX XXXX XXXX sold this account to XXXX XXXX XXXX, but XXXX XXXX XXXX has removed this from my credit file as of XX/XX/XXXX after my dispute with them. Both XXXX XXXX XXXX  and XXXX XXXX XXXX, with the same partial account number XXXX were both reporting on this same debt. IMPOSSIBLE!! This is not a valid debt so how are you reporting it if its non-existence? I demand that you provide me with legal proof. Why would I pay for something I do not owe? Again, I dont owe XXXX XXXX XXXX any money? I demand this information be deleted from my report. Send me an updated copy of my report once this has been deleted. 
Thirty days, is more than enough time for you/XXXX XXXX XXXX  to send me legal supporting documents bearing that this account belongs to me, hence owing XXXX XXXX XXXX  any money. Im demanding that this is removed from my credit report immediately if XXXX XXXX XXXX cant provide proper information/documentation that I owe their company. Continuing to report this inaccurate, unverifiable information on my report is illegal and I will file a complaint with CFPB, FTC, XXXX and whoever else I need to get this resolved. 

Regards, THE IS UNFAIR TO MYSELF AS A CONSUMER AND I WOULD LIKE FOR BOTH ITEMS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY.

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 2018-09-05
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: Public record information inaccurate

Complaint:
On or about XX/XX/2018, 7XX/XX/2018 and XX/XX/2018, I sent written notice to Equifax, XXXX and XXXX XXXX that they were reporting 2 Bankruptcy accounts that are not mine. I asked each repository to provide where that information came from and to delete accordingly. Only Equifax provided XXXX XXXX as being where they received the information I have subsequently reached out to XXXX XXXX and the US Bankruptcy Court and was told that neither verifies any 3rd party requests. There is no way that any repository was able to verify these accounts that are not mine as being mine since the US Bankruptcy Court does not verify this type of information to 3rd parties

Company response to consumer: Closed with explanation