BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-11
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I filed a complaint with the CFPB -Experian has responded that XXXX XXXX STATES THIS IS legitimate- NO DOCUMENTATION - ZERO - and has placed this FRAUD statement on my credit bureau again- Experian has no PROOF - NO DOCUMENTATION what so ever and never will - this is a fraud debt by this firm XXXXXXXX XXXX- I am demanding Experian follow the FTC guidelines on Credit Reporting - I am XXXX - elderly and XXXX this is a TOTAL fraud and I have reported it to the ADA * XXXX * I am seeking damages in a court of law - This is what is reported ** XX/XX/2018 Source Experian Date Submitted XX/XX/2018 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2021-08-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a XXXX card and Lowes card backed by Synchrony Bank in XXXX and XXXX and shortly after I received the card or before I received the card in the mail, they had already closed my account for being high risk according to their system. No one in customer service or escalations to management are willing to help and just send template response emails and tell you to wait for a letter in the mail. The problem is, this company has by then hit my credit with hard inquiries which hurts my ability to obtain any new credit, hurts my score and also puts maxed out trade lines on my credit report which also hurts my total utilization and further hurts my credit score because I no longer get credit for the available credit limits to offset the initial purchase balance and they entice you to apply for special one time discounts at the point of sale at the retailer. They already ran my credit and assessed using a live analyst my credit worthiness and eligibility and then approved my application. If I was a high risk of default to them, which most people that are new to their bank would be as they have no data to suggest guarantee of repayment, they should not have credit qualified and approved my application to begin with. They are hurting peoples credit scores and adversely affecting the terms being offered on subsequent credit accounts because of the negative factors including the hard inquires, the maxed out trade line balance without reporting the available credit as the account is closed, the trade line reports to other credit agencies closed by company which to a human underwriter could be perceived as negative when considering other types of consumer finance accounts. This practice is unfair and deceptive and something needs to be addressed to protect consumers. You either qualify for a loan or credit card, or you do not there is no in-between this is wrong and borderline fraudulent and could be a method they are using like XXXX XXXX to pad their new account opening numbers to raise their numbers for their shareholders and also could be used to incentivize managers and regional managers in areas where credit card account opening execution is part of a pay plan or bonus plan for their employees and retail partner managers. It is wrong.

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 2018-02-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IA
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:
Court ordered to refinance because of a divorce. My ex wifes history of late payments makes my ability to purchase a house impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had a checking account with Citizens Bank and on several occasions their overdraft fees caused more overdrafts and higher negative balance. At one point the total negative balance on the account can be broken down to XXXX in fees alone and XXXX in charges. They proceeded to call my ex-wife who has not been on the account for over 3 years and even has a new phone number, but someone they obtained her number and called her informing her of the situation. I then called the bank and explained the problem with doing that and informing them that the balance of XXXX was mostly their fees of XXXX including a monthly maintenance fee. I offered to pay the charges which came to XXXX. At this point the person I spoke to refused and stated if I dont pay the whole balance they would close the account and report me to ACH so I would not be able to obtain another account at other banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
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: Information belongs to someone else

Complaint:
I am personally filing this identity theft report because I was made aware of a child support account appearing negatively on my credit report today XX/XX/2020 when my credit was ran by the real estate agent that I am currently working with in order to buy a house. The account appears as County of XXXX XXXX Family on my credit. This does not belong to me ; I have nothing to do with this child support account nor did I ever make any payments towards it. I spoke to someone from XXXX XXXX County Family and the information they had regarding this account does not match any of my information therefor this account needs to be removed from my credit history because it is inaccurate/false information. I have also filed a complaint with the Consumer Financial Protection Bureau in regards to this child support account.

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 2018-06-20
Company: EQUIFAX, INC.
State: NY
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:
See list of inquiries on my credit that I did not authorize and I know nothing about. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
TFS agreed to remove inaccurate 60d late credit mark from my credit report. I'm a first time home buyer and notified TFS that I need them to remove inaccurate 60d late credit mark from my credit report as soon as possible in order to get better mortgage rate. I have pulled my XXXX credit report today, on XX/XX/2018 and inaccurate 60d late credit mark is still on my report. I have already purchased my first house onXX/XX/06/2018 and this inaccurate 60d late credit mark negatively affected my mortgage rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In three days it will be four months ago that I applied to refinance my mortgage with NewRez. I knew it would be a lengthy processes and provided the documents and information promptly when asked. I was encountering an issue that I wanted to briefly speak to someone about and contacted NewRez on XX/XX/21. On XX/XX/21, a junior processor contacted me for more documents which I provided. He believed I would close on XX/XX/21. I was unavailable that date, so contacted multiple people to discuss by email and phone messages. No one returned any of my contacts. On XX/XX/21, I received a closing disclosure stating I would close XX/XX/21. That date passed and no one would respond to any of my calls and emails still. I finally reached a representative that said my primary contact XXXX XXXX was available to speak to me. However, Mr. XXXX refused to speak to me and never contacted me back. On XX/XX/21, a representative from the Hope program did a conference call with me to NewRez and someone had to finally speak to me. I was told someone would contact me back by XX/XX/21. On XX/XX/21 I finally received a follow up from my months of requests for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan # XXXX Bank of America Home Loan, I XXXX XXXX, I submitted all of my paperwork to Bank of America for a Modification review. I spoke with my customer relationship manager on XXXX, XXXX 2018. She specified I submitted all of the correct paperwork to to finish my modification review, now I am waiting on The Appeals Department with Bank of America to send me a answer on the paperwork I faxed over to them almost 2 weeks. This is so frustrating to me. I need to keep my home. I have submitted everything the Bank has asked for and now still waiting on a answer with the Appeals Department. Whats else do I need to do? I did everything possible. I have sale date on my home for XX/XX/2018. I been working with XXXX also, and they are helping me also with this process. 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 2018-09-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XX/XX/2018 Inquire on credit report. XXXX XXXX No amount reported

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Please see the attached FTC Report that includes XXXX XXXX. This is in response to a previous CFPB complaint. Please remove the XXXX Account. It has already been removed from 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 non-monetary relief
Consumer complaint received 2018-06-29
Company: Rent Recover, LLC
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ON XX/XX/2018 RENT RECOVER OF BETTER XXXX PULLED MY CREDIT ON XXXX WITHOUT VALIDATION NOR NOTICE.IN XX/XX/XXXX WENT ON ALL CREDIT REPORTS. KEPT CALLING MY DADS CELL NO.XXXX AND CELL XXXX XXXX2 TIMES AFTER CEASE AND DESIST NOTICES.

Company response to consumer: Untimely response
Consumer complaint received 2018-09-14
Company: Gragil Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am receiving a old medical service Bill ( Please see the attached copy ) that I disputed with hospital in many methods. I believe I have a right to protect my medical information and don't want hospital share my SS # DOB or any other information to the third party company like XXXX XXXX XXXX to attempt the disputed bills. 

As a Massachusetts resident I obtained health insurance policy and accept my health provider and primary care to negotiates with the insurance company before any medical service due and let patients know the results of the negotiation. 
in my case I am billed by XXXX XXXX XXXX {$500.00} for the date of service XX/XX/2017 under my name address and account XXXX. 

I called and give them written notice to resolve the problem but I received a debt collection notice from Gragil Associates, Inc and charged a increased amount of {$570.00} ( the original disputed amount {$500.00} ). This bill is a wrong bill to me and due to the XXXX 's financial administration processing fault and need to be resolved and must assured me that my medical information is not being compromised.

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 2019-01-10
Company: EQUIFAX, INC.
State: LA
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 submitted a formal dispute with XXXX, Equifax and XXXX   on XX/XX/2018 via certified mail. In this dispute I informed all of them that they were reporting unverified incorrect data on the credit file they possess under my name. I also reminded them that they are bound by the Fair Credit Reporting Act to report only true and verified data. As per FCRA laws, they are required to have a copy of the creditors ORIGINAL documentation ( a consumer contract with my signature on it ), on file, to verify the information being furnished is true and correct. I requested XXXX, Equifax and XXXX to provide me with copies of ALL documentation associated with this account entitled to me in accordance with FCRA Section 609 ( a ) ( 1 ) ( A ). I also requested all three agencies to provide me with the method of verification as per Section 611 ( a ) ( 7 ). I stated that in the absence of any such documentation they permanently DELETE the inaccurate unverified account on my file. The companies responded to me that they have " verified this account belongs to you ''. Equifax, XXXX and XXXX  did NOT provide any information that i requested. No documentation was provided to me at all, they also provided no method of verification. This is AGAINST THE LAW and in clear violation of my rights. I demand XXXX, Equifax and XXXX be held liable for reporting false invalidated information. To date, the account 'XXXX & XXXX, XXXX XXXX, XXXX XXXX , LA XXXX ' remains on my credit file and I want this account permanently deleted IMMEDIATELY as it is inhibiting my right to good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
For years I have dealt with this fee that has effected my credit and wasted so much of my time. I dealt initially with the XXXX XXXX fraud department and thought the issue was resolved. Now I am dealing with a collection agency, that has caused ANOTHER hit to my credit and more wasted time. I do not owe this money and want my name removed from all call list and this taken off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: EQUIFAX, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
XX/XX/18 unable to honor request from Dept Veterans Affairs XXXX pension award benefits exempt from claims of creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
XX/XX/18 unable to honor request from Dept Veterans Affairs XXXX pension award benefits exempt from claims of creditors

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to note that reaging of the account as occurred. That it has switch collection agencies multiple times. I have documentation from XXXX stating that it was so sent to collections in error, yet this debt keeps being resold and I would like it permanently removed from all credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Franklin Collection Service, 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 a loan with XXXX XXXX XXXX, FRANKLIN COL ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX XXXX, FRANKLIN COL ( Original Creditor : XXXX XXXX ), and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed a collection with your company. 
The collection was removed Later the collection company reinserted the collection by using another name. 
I disputed it with CFPB Recently the company gave back to XXXX XXXX reinserted the collection XXXX changed original account name, orignal balance and account number and original creditor. 

I filed complaint Through the CFPB portal XXXX has acknowledged that the account number, balance and original creditor may have been changed when they recently put it back on my credit report. 

XXXX also stated " even though this may have happened the original account number and balance are still the same '' This is a violation of my Credit reporting rights and this is not fair debt collection practices. 

Attached you will see My claims old credit reports the old collection dispute from the cfpb and it being removed. 
the credit reporting agencies old records. 
Also from the original creditor they had previously stating that they had no record of me. 

This is more than enough information. 

Please tell me why this is still on my credit report and how does your company allow this type of practice to occur? 
Attached are PDF 'S the first name of the files have a number in front of them this is the history 1 is the most recent response. as you go down you will see how it started

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-02
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 've advised this company that I 've never used their services, I don '' t know who they are, this account doe not belong to me. and that they immediately remove this negative inquiry from all  XXXX  credit Bureaus. They have been harassing me with threatening phone calls asking me to pay off this balance.
Last Reported   XXXX   XXXX  , 2017 Collection Agency ABLTY RECVRY Original Creditor   XXXX   XXXX   XXXX   XXXX    Status Open Opened Date   XXXX   XXXX  , 2017 Closed Date -- Responsibility Individual Balance {$950.00} High Balance {$950.00} Remarks Placed for collection ABLTY RECVRY Reported on   XXXX   XXXX  , 2017 {$330.00} Account Details Last Reported   XXXX   XXXX  , 2017 Collection Agency ABLTY RECVRY Original Creditor   XXXX   XXXX   XXXX   XXXX   Status Open Opened Date   XXXX   XXXX  , 2017 Closed Date -- Responsibility Individual Balance {$330.00} High Balance {$330.00} Remarks Placed for collection

Company response to consumer: Closed with explanation