BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX, I took out an unsecured loan to help finance aircraft rental. The lender was XXXX XXXX. The rental company was XXXX ( XXXX XXXX XXXX ) located in XXXX, FL. I fell on hard times and was unable to repay the loan. XX/XX/XXXX the account was closed. 
XXXX is reporting to the credit agencies that this was an education loan. In no way shape or form was this an education loan. XXXX  is not an accredited college or university. No degree was ever offered or obtained. 
As such, as of XX/XX/XXXX seven years has passed. This is the limit of ability to report and or a line item to remain on a persons 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 2018-12-07
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX I pulled my three bureau credit report using a credit monitoring service and I discovered an account being collected by ProCollect, Inc., a debt collector located in XXXX, TX. They were collecting on behalf of an apartment complex. They showed I had a balance of {$3400.00}. ( SEE PAGE 19 OF ITEM # 1 ) On XXXX I sent ProCollect a standard dispute letter and asked them to provide evidence of the debt 's validity. I later received a statement dated XXXX that showed a balance of {$1900.00} and included an incomplete breakdown of some accounting that indicated a balance of {$2200.00}. The {$2200.00} included a final line item charge of {$1900.00} with no clear information about what the {$1900.00} charge was for. There was also included a partial lease agreement that was missing sections or pages. ( SEE ITEM # 2 IS EVERYTHING THEY SENT ) On XXXX I mailed them a second dispute letter outlining all the issues I found with their attempted validation. ( SEE ITEM # 3 ATTACHED ) Also, on XXXX I pulled the reports again and saw all of the balances were still reporting {$3400.00} and ProCollect had not marked the item as disputed with any of the bureaus even though they had completed their investigation and sent me their validation documents. ( SEE ITEM # 4 SEE PAGE 14 )  Them not reporting after completing their investigation to update the account is a violation of the FCRA. Finally, as of this week, the account is still reporting with multiple discrepancies with amounts, dates, etc. ( SEE ITEM # 5 PAGE 18 ) In summary, my arguments are they knowingly reported a balance due that was nearly double the amount they had showing in their system. I feel this was a deliberate attempt to extort extra money from me. When asked to validate the debt they could only produce documentation for about {$1900.00} on one item and about {$2200.00} on another obviously far less than they were demanding. Secondly, they completed their investigation in approximately 2 weeks and mailed me documentation confirming it, but they did not report to the bureaus to update the account after their investigation was completed. That is two clear violations of the FCRA and FDCPA.

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 2018-07-14
Company: Seterus, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Seterus has reported information to XXXX  and XXXX Credit agencies. I have disputed information and this agency has replied that you have replied with details. 
According to the Fair Credit Reporting Agency I am entitled to the dates and the credit accounting details that Seturus has reported. I am requesting copies of all dates and information shared with XXXX and XXXX during 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 2018-04-19
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I defaulted on a Payday loan and now they are threatening me with jail time and a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Consumer Collection Management. Inc
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of ID Theft. I sent a Dispute Letter to Consumer Collection MN on XX/XX/XXXX and another on XX/XX/XXXX of which they did not respond to my Dispute as it remain on my Credit Report. I enclosed a copy of the ID Theft Affidavit as well at the Dispute Letter sent to Consumer Collection MN. Note all of the fraudulent accounts have been removed from my Credit Reports EXCEPT Consumer Collection MN. I am also filing a Law Suit. Is Consumer Collection MN above the Law??? The FDCPA and FCRA!!! Please note that Account # XXXX is a fraudulent account and should be " Deleted '' from my Credit Reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-09
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally Financial is reporting an account on my credit report that is inaccurate and inconsistent. The late payments are not correct and different across all three credit reports. I disputed it and they verified it and you can even tell with the attached screen shot, that they said account information disputed by consumer and meets FCRA requirements. But how can it be accurate when just for example, they are reporting me 30 days late on XX/XX/XXXX and 60 days late on XX/XX/XXXX & XX/XX/XXXX with XXXX and XXXX, but on XXXX they are reporting me 30 days late on XXXX XXXX and 60 days late on XX/XX/XXXX & XX/XX/XXXX. This is a violation of the FCRA and not in compliant with METRO 2 guidelines.

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 2021-02-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I noticed XXXX XXXX XXXX XXXX reported to a charge off to all the three major Credit Bureaus before 90 days. Per the FDIC 5000 - Statements of Policy ; Open- and closed-end loans past due 90 cumulative days from the contractual due date should be classified Substandard. 

Which the balance was paid before the account was reported as a charge off.

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 2018-12-07
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up to open a new Checking and Savings account with Citibank in XX/XX/XXXX, with the following terms : Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account. Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 consecutive calendar days. Get {$400.00} deposited to your account! There are additional terms in the fine print that says I have to wait an additional 90 days from when I meet the criteria above to receive the {$400.00} payment. The total {$15000.00} deposit was made on XX/XX/2018, which means that the 60 + 90 Day deadline would have been XX/XX/2018. I confirmed with Citi multiple times via chat and phone calls that I had met the eligibility requirements, and all I had to do was wait for XX/XX/XXXX for the credit to post. After XX/XX/XXXX, I called in as it had not posted, and the rep opened a promotions dispute on my account, and told me that I would have an answer within 3 business days. ( Citibank Service Request # XXXX ). A week has passed, and I have yet to hear from Citi or receive the funds.

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 2018-12-07
Company: EQUIFAX, INC.
State: HI
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:
My loan payments were always sent on time. I keep explaining this to Equifax and XXXX but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: EQUIFAX, INC.
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 signed up for service with XXXX XXXX. They asked for my social security number. I didn't want to provide it so I told them I was XXXX   and didn't have one.

Despite me not giving them my permission or my social security number they accessed my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: EQUIFAX, INC.
State: HI
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:
My loan payments were always sent on time. I keep explaining this to Equifax and XXXX but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On X/XX/2017 I was on the XXXX site inquiring about a possible loan, # XXXX. The site offers a credit score ( rate ) check that will not affect the consumers credit score. It stated that a soft pull would be completed and not a hard pull. I am moving through the application not fully understanding that this was an actual credit application. No where on the site or statement did it say if you go any further a hard pull ( inquiry ) would be required. I later called customer service to ask before moving any further and was told I should expect that it would be a hard inquiry since it is credit related. I followed up by stating that no where did the application ask for authorization to pull my credit profile. Also, the customer representative telling me the truth in lending statement states a credit pull is necessary and then once he checks and he realizes that it does n't say a credit pull is required, then he states '' well you should have figured that out '' is an unacceptable business practice. My response to the rep is that most alternative loan sites do n't normally do hard pulls so you can not assume all consumers will understand that. It is also misleading because no where on the site does it inform the consumer that a hard inquiry is required to apply. I do not want a loan and was only researching rates and would like the credit pull removed from my Trans union profile. I should not be penalized because the site is not transparent. Lastly, why not be willing to help once you confirmed that the site is vague and confusing.

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 2021-02-20
Company: Louisiana Recovery Services Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The same man keeps calling me he cusses me he tells me XXXX keep adding bills to my name and Ill never have good credit some of the bills he says I owe arent from me Ive asked him to stop contacting me if hes just going to talk to me like he does and not help hes screamed at me many times used language not appropriate Ive blocked numbers over and over he tells me hell do whatever he wants he calls me two times a week sometimes after XXXX XXXX every time I dispute his stuff on my credit he calls and does the same thing my husband has asked him to stop calling to stop talking to me the way he does and this man doesnt stop I have bills now from him that I didnt even go to that hospital I feel like this man is out to get me its Louisiana recovery and the man doesnt speak XXXX very well and he tells me things I dont find appropriate when I dont agree with him

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 2018-07-14
Company: EQUIFAX, INC.
State: NV
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:
I submitted a investigation request form to Equifax by mail about incorrect personal information on my Credit File on about XX/XX/2018 requesting the information be removed. I included all required necessary documentation of proof of my identity. I have never received a response and it has been over thirty days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2018 @ XXXX CST. Call duration 6 minutes and 8 seconds Lady called, identified herself as XXXX XXXX. Spoke about a debt, then asked for my personal info. I explained that I don't verify nor share that on an incoming call. She immediately got a nasty attitude because I wouldn't verify. I asked for her to send a letter so I can get help to go over it. ( I am recovering from a XXXX and sometimes need help ). She then got even more nasty with me and said " No! Why would we send out another letter! '' I was taken back as I do not think my request was asking for too much. 

As I thought the call was over, I have to speak on speaker phone as a result of my XXXX. I said outloud " That lady was rude and needs to be reported! '' Again thinking the call was ended. XXXX XXXX was still there and said " Oh! I can transfer you to my manager '' I accepted her offer as I was hoping the manager would send me a letter. As XXXX XXXX was trying to bring her manager on the line, she experienced what appeared to be issues doing so. XXXX XXXX then said to me " XXXX, you are going to have to sit in queue ''. I was appalled. 

XXXX XXXX then came on the line and did not want to address any concerns only kept repeating " The calls will continue '' " Like I said the calls will continue '' All I asked for was a letter from the company in writing, nothing more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and they have verified it..The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A COMPLETE modification package was sent in and the review process started. On XX/XX/XXXX our office contact Bayview and received the following update.
XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX PHONE CALL [ p ] - XXXX ; XXXX XXXX SPOC XXXX XXXX call XXXX XXXX ; XX/XX/XXXX is sale date ALL docs have been received and uploaded as of XX/XX/XXXX By today or no later than tomorrow they will have submitted to underwriting nothing needed at this time. File in review on XX/XX/XXXX an acknowledgement was sent to the client and our office. ( Please see attached ) On XX/XX/XXXX Bayview stated they are refusing to review the file as the sale date is TOO CLOSE. The loan mod review had started. IN CALIFORNIA, a complete package must be in 7 days prior to the sale date. The sale date is set for XX/XX/XXXX. Bayview is dual tracking despite the law that restrict this. Dual tracking occurs when a mortgage servicer continues to foreclose on a homeowners home while simultaneously considering the homeowners application for a loan modification. Rules issued by the Consumer Financial Protection Bureau ( CFPB ) as well as various state laws and the National Mortgage Settlement ( NMS ) offer protection to homeowners in this situation. The CFPB rules, which became effective XX/XX/XXXX, strictly limit the ability of mortgage servicers to foreclose on a borrower while also negotiating a loan modification. BAYVIEW is discriminating against XXXX XXXX based on his race, ethnicity, language, national original At this time, we are demanding the sale date be postponed to continue the review or XXXX XXXX will assert his legal right in district court naming Bayview as a defendant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: EQUIFAX, INC.
State: NV
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 got a copy of all three of my credit report personally for myself for the 1st time in years and there is a few accounts and personal info on them that do not belong to me and I do not in anyway recognize. I filed a police report, identity theft report, and disputed it with all three credit bureaus and they have not removed the accounts. I should not be held liable for accounts that a company allowed someone else to open in my name and am furious that they have not taken them off my reports. I have decent credit and should not be liable for something I didn't do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: EQUIFAX, INC.
State: CO
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 am closing on a house and was informed I needed to unfreeze my Equifax Credit Report ( I had not placed any sort of freeze on that report, nor have I interacted with Equifax Prior to this. ). Earlier this month I downloaded the " Freeze Request Form '' from the Equifax website and mailed all necessary documents and information to their mailing address in XXXX XXXX Texas. To expedite the process I had those documents priority mailed on XX/XX/XXXX. Those documents arrived to the mailing address on XX/XX/XXXX and were signed for. 

That however, did not resolve the issue and I contacted Equifax. Equifax instructed me to fax them a copy of my driver 's license, social security card, and birth certificate to verify my identity. Those documents were faxed on XX/XX/XXXX. I immediately called Equifax informing them that I had faxed all the pertinent information. I was told they would be processed in 3 to 5 business days. I contacted Equifax each day I could to find out if my documents had been processed. I was told to check back on Tuesday XX/XX/XXXX as that would be the latest they would be processed. On XXXX I contacted Equifax and was told my documents had not been received. The agent informed me that she would work to expedite the process and told me to give them a few days and call back on Friday XX/XX/XXXX. The agent provided me a number to call on XXXX and their name. 

On XXXX I attempted to contact Equifax with the number I had received from the agent on XXXX. The number directed to an automated line to a completely different department and when I finally spoke with an agent I requested the agent I received the number from. I was told that I could not be connected with that agent. Going into XXXX XXXX Weekend I had to wait until today, XX/XX/XXXX, to contact Equifax and did so with my lender present. 

After multiple calls to Equifax I was told, for the first time, by an agent that they had no credit file for me. I was told to contact my creditors to ensure that my information was being reported to Equifax. I then contacted all of my creditors and was assured that my information was being reported to all three credit bureaus. I have had established credit since XXXX. My lender has had no issue pulling my credit reports from XXXX and XXXX. After contacting Equifax again I was provided no assistance in figuring out what needed to be done next. Nor could I be told why Equifax has no record of me in their system when I have had my lines of credit for nearly four years. 

This issue could be detrimental to my ability to close on this house.

Company response to consumer: Closed with explanation