BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of XXXX and XXXX XXXX which is stated in class-action multi-state lawsuit ask the credit bureaus to delete the account off of my credit report based on the findings and the multi-state class action lawsuit which is stated on page 8 section 11 and they refuse to remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: EQUIFAX, INC.
State: WY
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:
XXXX XXXX XXXX/XXXX reported a fraudulent account over a year ago provided all the paperwork to prove it was not me XXXX XXXX XXXX and XXXX are still reporting as a charge off bad that I have been fighting with them for over a year now all three credit reporting agencies Refuse to work with me even though I have contacted all three and filed a report although I can not remember the report number last year with the federal trade commission it is hurting my credit I have personally called XXXX XXXX XXXX and XXXX to get them to remove this off my credit report and they refuse to do it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/21, XXXX dollars was stolen from my XXXX bank of America account from an ATM. Its an ATM that I have never been to and they can see that in the transaction history. You can see for the last year I have only used XXXX ATMs. I would like the money to be refunded to my account. Someone must have stolen my card and pin number. I have since cancelled that card and received a new XXXX but they will not refund the {$680.00}. I called bank of america to dispute the claim and they said they would look at it. I recently received a letter saying the dispute was unable to be taken care of.

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 2021-04-07
Company: Experian Information Solutions Inc.
State: AZ
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 Account # XXXX XXXX XXXX XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.

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 2019-07-15
Company: RentDebt Automated Collections, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The debt that is owed does not belong to me. I have requested documents that show I am responsible for this debt in a timely manner. The collection agency assigned failed to do so. I was provided with documentation which included a computerized signature. I had no knowledge of this document nor did I approve for my name to be on this document. The signature is not mine therefore the debt should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Ability Recovery Services, LLC
State: NM
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX is the company name. Ability recovery services is the collections agency. I have recieved repeated harrassing phone calls from which i have no knowledge of such account in which both refuse to furnish proof that it was my doing. They have said it is an online school that was done online. Therefore they can not furnish proof. I have placed disputes with The credit agency 's XXXX, XXXX and 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 2018-06-12
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
i filed a complaint with the cfpb regarding shellpoint mortgage servicing ... yesterday I was told by shellpoint that my loan was with underwriting and they would not give me a loan modification until I " lifted '' my complaint against them I placed with the cfpb ... is this fair? ... im not allowed to seek council from an agency that protects customers..and ask that they supervise whats going on? ... I don't think they are legally allowed to deny me a modification unless I cancel my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a levy placed on my account by Rausch Sturm for about {$2000.00}. {$21.00} of which was taken directly from my back account. I then was ordered to pay the full sum ( not minus the {$21.00} ) and did so because I didnt have any other options. So the account was paid in full and then some. However, Rausch Sturm again placed a levy on my account a couple weeks later. I contacted them about this 4 days ago when I noticed and still I have no viable response from them ( waiting for the manager ) and in the meantime I have no money to live on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: EQUIFAX, INC.
State: VA
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 recently looked over all of my credit reports and there are numerous amount of inquiries that have not authorized to be on there. I have mailed in some documentation to get all of there inquires removed, but every timee I call and have yet to get someone over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
By around XX/XX/XXXX the bank account got frozen by company 's decisions for a no reason. due to using ATM machine that customer 's transaction made at his travel time during in XXXX. Amount in a account is XXXX $ worth. 
the company has no right to freeze account under the customer 's permissions. Yet, account is still freeze at this moment and customer is no finance access what so ever in the XXXX and struggling to find his shelter. also seeking help from US embassy at this moment but there is no successful actions and faith. and he is stuck getting back to USA even it is not his fault nor his cause. 
this is a serious ignorant with abandoned abuse service ever and it need to unfreeze the account immediately. 
identifications should be given over the phone via emails anyway possible but has not been approved. all the company has saying was he has to visit the branch office counter him self to unfreeze, which is impossible at this moment. he is in a XXXX. not in a home town. The customer is still stuck him self desperate to leave the XXXX.ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: SUNTRUST BANKS, INC.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I filed a previous complaint on suntrust nothing was addressed about Suntrust Closing my account and holding my funds {$2300.00} I have no acess to them Suntrust has violated consumer bank protection laws and are fraudulent

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 2017-08-06
Company: AMERICAN EXPRESS COMPANY
State: MI
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 called these companies to have all my inquiries removed because some one tried to apply for credit cards in my name and was not authorized to do so. Now these are listed as hard inquiries on my credit report with the 3 bureaus. None of the inquiries have been removed yet. XXXX XXXX- Hard Inquiry- XXXX XXXX XXXX- Hard Inquiry- XXXX, XXXX XXXX XXXX- Hard Inquiry- XXXX, XXXX XXXXt- Hard Inquiry- XXXX, XXXX AMEX- Hard Inquiry- XXXX XXXX XXXX- Hard Inquiry- XXXX XXXX- Hard Inquiry- XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06
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: Was not notified of investigation status or results

Complaint:
PLEASE BE ADVISED THAT I AM SUBMITTING A TOTAL OF ( 5 )  COMPLAINTS THAT ARE TOTALLY DIFFERENT, SO PLEASE READ THEM IN THEIR ENTIRETY. HOWEVER, IT'S IN ALL CAPS BECAUSE I WANT IT TO STAND OUT. THANKS! 

Experian has failed to respond to my dispute within the ( 30 ) day timeframe that's required by law according to FCRA 611 ( 15 U.S.C. 1681I ) ( a ) ( 1 ) ( A ). However, it's been approximately ( 161 ) days and no response yet. More so, Experian keep adding an ( 90 ) day fraud alert extension onto my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ive been a victim of fraud I have wrongfully Open the account under my name that has went delinquent and now closed and hurting my credit badly with the late payments and unpaid debt I have put security freezes and fraud alerts on all my reports so this doesnt happen again

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 2018-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
A credit card with capitalone which I had for 13 years was closed due to inactivity without warning. As this affects my credit score based on length of account history I requested that the reopen the card. They claim they can't and have been pushing me into new cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: ERC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
ERC WENT ON MY CREDIT REPORTS AND KEEPS CALLING FAMILY MEMBERS.. 
CEASE AND DESIST COLLE CTIONS AND CEASE COMMUNICATIONS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I feel I was forced into taking this Interest Only Loan that has a First Mortgage and a 2nd Mortgage lien on my property. I am older and have now been paying on these TWO loans for 10 years interest only and have NO principal pay down on my loan. I've worked so very hard to keep up the payments each month and have for XXXX  years on two loans. Due to this stress and constance work schedule I am now terminally ill, unless I receive a XXXX XXXX. My insurance and XXXX require that I go with a XXXX XXXX XXXX in Texas. I tried to get a transplant in XXXX XXXX, closer to my home, which is in XXXX, Nevada. But my insurance company would not approve the expense in that area. So I was given no choice but to move to Texas. The move an expense of the move cost me literally thousands upon thousands of dollars now. My moving truck with all my items was robbed and all my valuables were stolen. The move itself cost over {$XXXX} dollars. I am working with my XXXX in XXXX, Nevada to Short Sale my home. We have a good offer and it is nearly enough to pay off both the 2nd and the first mortgage. Although, XXXX XXXX will not provide me a moving expense credit on the Short Sale. I know the loan that was sold to me at the time I purchased my home is now considered a predatory loan and with my payments at total of {$XXXX} for both loan & are with the same Lender ( see attached Mtg Stmnts ), I have now over a XXXX year period paid them an estimated {$XXXX0}, XXXX. I know my XXXX has been getting the run around by this Lender and mainly the Investor! I do not wish to take this to court proceedings, I am trying to work with them due to my health condition and are trying to not get upset. Although, the unfairness of denying my relocation expense of {$XXXX} is going XXXX XXXX me to seek an attorneys assistance. But I was told by my XXXX XXXX Might be able to help. I am asking you help me close on this Short Sale as soon as possible please with obtaining a {$XXXX} XXXX Assistance. I am attaching the HUD XXXX showing the request for the funds and how much the Bank/Investor will be gaining with the sale. Please help me for I need assistance and need this all to be put behind me so I can move forward, regain my health and live peacefully.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: EQUIFAX, INC.
State: TN
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 been in contact with Equifax for over a year constantly providing legal documentation proving that I am indeed a victim of identity theft. Equifax has ignored a majority of my written correspondence, not disputed fraudulent items with companies, continues to report accounts that have my name attached to different social security numbers, reporting fraudulent addresses and more. I have mailed over 50 copies of my documentation to Equifax since late 2018 all with no responses. Equifax has admitted to sending mail to an address that I informed them that it seems is where a bulk of the fraud had originated from. Please help me resolve this matter with this company immediately if possible. I have been denied employment and have been unable to buy a house due to ill reporting by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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 have 5 accounts reporting in my credit report that are not mine they do not belong to me in any way and I have not signed or used or even know how they appeared on my credit I need these off asap I have been disputing these with the bureaus since XX/XX/2020 and have not even seen a dispute opened or anything done with these I even ended up opening an FTC report and still nothing I am getting upset because of these accounts and dont understand why Im liable for these XXXX XXXX  - Acct # XXXX {$2000.00} XXXX XXXX - Acct # XXXX {$0.00} XXXX- Acct # XXXX {$580.00} XXXX XXXX XXXX Acct # XXXX {$1400.00} XXXX XXXX XXXX Acct XXXX XXXX {$120.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
This is my 4th attempt at getting this resolved with Equifax. I have notified them via 2 CFPB complaints AND via certified letter ( USPS ) that the phone number listed on my fraud alert is over 10 years old and they have not updated this information.
This has stopped me from obtaining any new accounts over the past 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The credit bureaus, Transunion, XXXX and XXXX wrongfully removed two accounts from my credit profile which was paid in full and closed. This particular account ( XXXX XXXX XXXX ).

When these accounts were removed, it also removed eight ( 8 ) years of credit history from my account which has drastically affected my credit score. These accounts were on my credit reports, I have the full reports in my possession in which I can provide if necessary.

I did not receive any notification that these accounts were being removed which is a violation of my consumer rights.

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 2018-06-08
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX, I received a phone call from Choice Recovery whose a debt collection agency trying to collect on a debt. I told them cease collection attempts since I did not know who they were and to correspond only by mail. About a week or so later I received a debt collection letter indicating I owed close to {$400.00} for 2 bills from something that occurred in XX/XX/XXXX. I then sent certified letter to the company requesting " DEBT VALIDATION '' within 30 days and NEVER heard back by mail from said company. I know after 6-8months creditors and debt collections agencies can add negatives marks to credit report so in good faith on XX/XX/XXXX I called and said I'll take ownership of this balance ONLY IF this debt is NOT placed on my credit profile and setup payment arrangement in which the collector XXXX XXXX OR XXXX setup. On XX/XX/XXXX, I received an alert from credit report that BOTH collections account are now appearing. On XX/XX/XXXX, I contact XXXX and asked why, she said their system shows they sent a response in which I told her I NEVER received, she said she don't know why and they cant update my credit report to fix it issue. THIS IS BEYOND ridiculous. I asked to speak with a supervisor in which I was not able to. This company needs to fix their tactic. How does the consumer have right to dispute debt and NEVER hear back from company certified mail ensuring I received a response from them?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to freeze my credit today, XX/XX/XXXX with Experian and their online tool says they are unable to perform this action based on the information I have given, which is everything they ask for. I then tried to call them directly to perform this action over the phone and all they have available is an automated system that walks me through the same information collection and then tells me that I will need to mail in a request. The online tool also demands that I mail in a request. The information they request to be mailed in is everything a potential criminal would need to assume my identity. The address I must send the information to clearly states that it is going to the credit freeze department of Experian which means that any savvy criminal could intercept this letter and use the included information to assume my identity and wreak havoc on my life. Per the ruling of XX/XX/XXXX I have the right to freeze my credit for free. XXXX and XXXX  make this possible via online and phone. Experian is clearly trying to avoid people freezing their credit and working with consumers by making the credit freeze pathway too onerous/difficult. Their online and phone pathways are nothing more than a gesture to fulfill a government requirement and do not actually provide a safe path for protecting one 's credit and therefore Experian is in violation of the law. Experian should be forced to provide a safe online or phone pathway to freeze one 's credit just as XXXX and XXXX   provide.

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