BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-26
Company: PROPEL FINANCIAL SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Called Propel Financial Services to discuss late payment on property tax loan and I was told by customer service representative that my property is in the foreclosure stages. I have NEVER received any type of certification via mail stating such and there has been no period offered to " cure '' or notice of. No correspondence of any type has been mailed or communicated other than the verbal via a phone conversation from a rude male representative ( X/XX/2017 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: EQUIFAX, INC.
State: NY
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 have account on my report with Equifax. I called and spoke with both XXXX and XXXX and they did their research and removed this account from my report. Equifax on the other hand has not removed it from my report. I would like this account from XXXX XXXX (? ) removed from my report from Equifax. SOL has expired in the home state of this said debt of Illinois. ( 5 years ) and I do not understand why it is such a problem for Equifax to follow suit with the other 2 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Other problem getting your report or credit score

Complaint:
i have asked Trans-union to send me me credit report to see my history and score but its saying error. i called them they gave me a claim number. i keep on sending them my personal as gov id, ssn, utility bill, and proof address. every time i send them my info to them they send me a letter to send them all these info again. they keep on sending me the same letter with different case number.

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 2018-01-03
Company: WELLS FARGO & COMPANY
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:
Wells Fargo has not corrected the issue they acknowledged and pledged to correct in a previous complaint. Per the Wells Representative from the attached document for complaint number XXXX : " We indicated that we submitted a request instructing the credit bureaus to reflect this account as Closed ; {$0.00} balance ; Was 30 days late. Once this update is reflected, your credit reporting should no longer show as currently 30 days past due ; however, this update can take 30-60 days from the date it was submitted. We reached out to our Credit Bureau Department and verified the update was submitted to all credit bureaus as of XX/XX/XXXX. We sincerely apologize for the amount of time it has taken and any frustration or inconvenience this process may have caused you. '' On XX/XX/XXXX ( over 2 weeks past the 60 days indicated in the Wells Fargo response ) I pulled a tri-credit bureau from XXXX yet again at a personal cost of {$30.00}. The negative attribute Wells had committed to fix by XX/XX/XXXX remained on my report. I tried unsuccessfully, several times, calling the person who in the Wells response wrote " If you have additional questions, please call me directly at.. '', leaving voice mails with absolutely no response whatsoever from Wells Fargo . I thought I would give it a bit more time, and yesterday called the XXXX customer service to see if there was a change before I spend another {$30.00} on a credit pull. Unsurprisingly, the customer service rep could find no record of a correction being sent in from Wells Fargo. 

At this point, unless XXXX is mistaken, it appears Wells Fargo is knowingly reporting false information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2022 I received a real time alert from the credit bureau that my social security was found on the dark web. On this date I pulled a copy of my credit report from equifax and noticed that there were 4 inquires that I did not request nor did I have any knowledge of. On XX/XX/2022 I sent a Fair Credit Reporting Act, Section 609 letter CERTIFIED MAIL to equifax exercising my right under this act to request information regarding the listed items. On XX/XX/2022 I contacted Equifax to do a follow up and a representative by the name of XXXX stated that inquires were factual information and could not be removed. I stated to her that I had mailed the certified letter and that as per Section 609, I am entitled to see the source of the information which is the original contract that contains my signature. She stated that 609 letters are not acceptable with Equifax. I am requesting that these items be investigated as that I did not request or apply for any new credit or product. I am also requesting that Equifax be investigated as to the way they handle potential identity theft or fraud. Thank you in advance for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I lived at XXXX XXXX from XX/XX/XXXX moved out XX/XX/XXXX. I paid any & all charges that was owed at this apartment. Since this time now 3 years later XXXX XXXX is now under new management & has placed an old paid balance of {$580.00} on my credit report. Since Ive moved from XXXX XXXX I have lived in 2 other apartments both of these apartments verified my rental history & both times XXXX XXXX has reported to each apartment that I do not owe them any money. This apartment is using deceitful tactics to gain money from prior tenants who they would hope have lost all documentation to prove that they have paid their balances. I contacted the collection agency & they stated XXXX XXXX had just sold my information to them. This is against the law & taking a toll on my health. O am scheduled to move next month & now because these fraudulent apartments placed this fraud account on my credit report I am unable to move & my kids & I have no where to go. Please help & please stop this scam this apartment is doing.

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 2019-01-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have written a request to Experian Credit Reporting sgency, requesting for unauthorized inquiries to be removed from my credit file. As of today, my reguqest has not been granted. The listed inquiries are all unauthorized and shall be removed.

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 2022-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am reaching out to report a Fraudulent Credit Card account with Bank of America ( Acct # XXXX ) that is currently being reported to my Credit reports with all credit bureaus and I am asking for your assistance to Immediately delete this fraudulent and incorrect reporting from my credit files. 
This account was not opened by me and I never consented to a Credit Card with Bank of America. I called Bank of America regarding this fraudulent card in hopes that they would help me settle this issue and remove this fraudulent reporting and they have not done anything about it to this date and have referred me to dispute it with the Bureaus, even after speaking to multiple representatives at Bank of America. Bank of America informed me during one of the conversations with them that this Credit Card was opened inside of a Branch in Florida. I am not sure how this happened as I was under the impression that banks were required to check ID and collect a signature for all credit products opened. 
I live in California and I have proof that I was here in California and was at work on the date that they claim this account was opened ( XX/XX/XXXX is the opening date according to my credit reports ). I work for the XXXX XXXX XXXX of XXXX XXXX in California and I am attaching copies of all my pay stubs received during the period that this card was supposedly opened by me at a Branch in Florida so that you can see that I has here at work in XXXX XXXX, CA and did not take any time off of work during that period. How could the card have been possibly opened by me at a branch when I was across the Country and not even a driving distance from that branch on the date it was opened? Find my XX/XX/XXXX Paystubs enclosed. 
I filed a Dispute with the Credit Bureaus last year in XXXX ( XXXX ) and the results of their Investigations all came back saying that the account was verified. I am not even sure how they were able to verify an account that was NOT opened by me, and which means of verification they used for their investigations. 
If you need any additional information from me, please do not hesitate to contact me at ( XXXX ) XXXX. 
I look forward to your assistance in resolving this matter and helping me completely remove this fraudulent and inaccurate reporting from my credit files. 

Thank you! 
Sincerely, 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 2019-05-08
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:
In XX/XX/XXXX my XXXX XXXX account became seriously delinquent and was charged off and sold to a debt collection agency. I was able to pay off the balance by XXXX. However, XXXX XXXX has supplied inaccurate information to the credit bureaus. The inaccurate information has included the account status as unknown when the account was closed and paid in full, missing payments, incorrect balance and the account debt clock being reset from XX/XX/XXXX to XX/XX/XXXX. I have tried disputing the incorrect information with very little success. My biggest complaint is XXXX XXXX attempt to reset the date of the account being charged off. That is illegal!

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 2018-01-03
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Contacted the specialist handling my debt collection and or complaint. She was not willing to settle nor provide any information to close the case. Consumer was willing to settle case and debt collector unwilling to.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions 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:
I have reached out to Experian on two separate occasions to remove and delete an inaccurate account that is reporting on my credit report. Both times their investigation results have come back as " verified as accurate '' for the account with XXXX XXXX XXXX XXXX acct # XXXX for {$3800.00}. They have never confirmed where this information has been verified as accurate. When reviewing the two other reporting agencies ( XXXX and XXXX ), they have the same account listed with a late payment, however none of those dates match. XXXX has it listed as the late payment in XX/XX/2018. XXXX has it listed as late in XX/XX/2018. I have attached those reporting agency results below as well. Because they have not furnished accurate information, I have requested this account be removed. They have failed to do so. As a result, my credit score is impacted negatively.

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 2022-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received emails from XXXX Credit Bureau XX/XX/2022 and XX/XX/2022 informing my credit had 2 hard inquiries from Capital One Bank and one more from XXXX XXXX XXXX I do not have accounts in Capital One bank neither I have asked any credit or loan to them. They did without my authorization and my credit has been deeply affected. This bank uses to send credit cards that have not been required. They did it around 11 years ago and I never used it. Id appreciate those inquiries be removed from my record as soon as possible. On the other hand, I have an XXXX card in good standing and enough credit amount so I have not asked any credit increase or loan to XXXX neither to open a new account absolutely. 
Attached all evidences and a register of my exceptional payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-26
Company: EQUIFAX, INC.
State: PA
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:
Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, SSN, or DOB in order to appear in your credit file. Equifax is the only main Credit Bureau that is still not in compliance with the law. I called on several occasions trying to address the issue, but I was just given the run around. Attached to this complaint is proof of the other XXXX main Credit Bureau 's removing the non compliant public record from my file. I work XXXX jobs and take care of my mother, I do not have the time or energy to keep going back and forth with Equifax about this matter that needs to be resolved so that I can move forward with getting my finances in order for me to start my own business so that I can spend more time with my Mom. I 'm truly grateful for companies like CFPB for giving everyday people like myself a voice. I really hope that this matter gets resolved so that I can get back to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
About a week ago I was contacted by someone from Ad Astra Recovery Service the man name was XXXX XXXX stated that I would be going to jail since it is considered theft in the amount of {$6700.00} XXXX told the man XXXX that I am disputing that since it only shows on my XXXX credit report. XXXX then raised his voice and demanded me to get my check book out and set-up a payment arrangement right now. I got upset and told XXXX don't yell at me sir, I'm an elderly woman XXXX then said ya an elderly woman who can't her XXXX bills. He then began to say rude an mean things such as maybe you did forget XXXX XXXX does hit people around XXXX. I was extemely upset after this phone call and I have never been spoken to this way. XXXX advised me to make a payment within the week otherwise the sheriff will be handcuffing me and taking me to jail. XXXX went as far as to say I'll have to be someone's girlfriend once I'm booked and processed. Is this legal at all. Why would this company Ad Astra Recovery Serv allow these type of people to represent them. I asked to speak with a supervisor XXXX said he is XXXX and not to bother because I would need to focus on finding me a girlfriend.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I spoke with XXXX XXXX in XX/XX/XXXX and twice in XX/XX/XXXX regarding my new repayment plan. My repayment amount went from $ XXXX/month to $ XXXX/month. I told XXXX every time we spoke that I could not make that payment. I submitted two requests to change the plan as well as documentation of my expenses as requested by the numerous XXXX personnel I spoke with. I told them every time we spoke that they were absolutely not authorized to take {$520.00} out of my bank account on XX/XX/XXXX. XXXX ignored me and took the amount out, unauthorized. I called three times on XX/XX/XXXX and spent over 1.5 hours on hold during that time. I have submitted a third repayment plan request at the instruction of XXXX. XXXX will not return the {$520.00} and my bank is not able to stop the payment because it has already gone through. Every person I spoke with was either unhelpful or rude.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-03
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have been being charged for an Experian Membership for months without my knowledge. I have tried to cancel on multiple occasions and they do not allow it. I can not get someone on the phone and every time I call the wait time is over an hour. This is unacceptable for a company charging me {$30.00} each month I do not have a username and password and the only e-mail address I have explains that it is not valid. 

All I want to do is cancel my account so they do not steal {$30.00} from me each month. Its easy to start up with them but impossible to cancel.

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 2021-09-16
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The company suddenly started charging XXXX $ late fees even though I had been making payments ahead of time, every month for the past 18 months. My payments have always been made on roughly the same date through autopay. It was a promotional interest purchase, so I had set up an autopay through my bank every month. Prior to the promotional payment purchase for the issue in question, my payments never incurred late fees. I tried explaining this, but they stated they could not waive the full 18 mo of late fees. They ended up reversing 3 mo of them. I have excellent credit, make a great wage, may all my bills on time, and usually early. Any reasonable person could conclude this was an error on the billing side.

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 2022-02-07
Company: EQUIFAX, 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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am listing all the unknown inquiries which I did not authorize below or where they came from someone is using my information. 
XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX on XX/XX/XXXX Experian XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-02-07
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
AES continues to charge me late fees. I reached out and was told someone would follow up. Of course, that never happened and now I've been charged another late fee. I refuse to pay any late fees because AES refuses to follow up with me as promised. I've been paying on this loan for over XXXX years and have never had an issue with AES before now.

Company response to consumer: Closed with monetary relief