BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-01
Company: Mid-South Adjustment Co., Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Mid-South Adjustment has placed a {$0.00} collections amount on my XXXX credit score. They have inaccurate contact information for both address and telephone as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XXXX I went to the bank to apply for a loan to expand my business and I was made aware that I had accounts that were not in good conditions for any lending loans. I do not have any beneficial interest in these accounts nor did I sign my signature for them, Please remove them immediately from my credit files ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian is making it difficult to manage my credit freeze. 

I originally froze my credit years ago. I never received the " pin '' from Experian in the mail. 

On XX/XX/2021 - I attempted to unfreeze my credit. 
- Followed the website guidance, created an account, no interface to manage credit freeze, offered a paid service called " XXXX ''. Clearly misleading information. 
- Experian hid the credit freeze service, so I searched XXXX to find the Experian website to manage credit freeze. I filled out the information, it failed to work and required me to send in a snail mail letter with a bunch of personal information. This would clearly take several days to resolve. 
- I called their customer help number ( XXXX ) XXXXXXXX during normal business hours. The prompts never let me talk to a human. The system hung up on me 3 times. 
- During three attempts, it asked " If I would like to have my pin sent via the mail '' again it transferred me and dropped the call. 
- I tried their online chat service, it was mostly unavailable, stating " All chat agents are currently assisting other customers ''. The three times I was able to " get in '' the chat service had an error, " Sorry, an internal error has occurred and this chat could not be started. '' I had success unfreezing my credit with XXXX, XXXX, and XXXX. Experian is clearly making it hard to manage credit freezes, not following the law regarding time to freeze and unfreeze. Lastly, they are misleading consumers to pay for their " XXXX '' service.

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 2017-12-08
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in NYS but in the City of XXXX as well. 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. 

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices. 
Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX XXXX Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX XXXX and XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY 140-1License required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
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:
The XXXX XXXX XXXX has placed collection on my report that is not mines. They need to provide Validation of Debt and Method of Verification.

The dates on this account does not make any sense. States the account was Opened on XX/XX/XXXX, but updated on XX/XX/XXXX ... How do update account before it's opened?? 

Please removed ASAP off all CA 's or all CA 's will be held responsible for this negative information will face legal actions.

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 2020-10-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i tried calling chase no luck. no one responds. i just want to dispute XXXX on card ending XXXX  we got XXXX   XXXX and XXXX XXXX. i am sorry to have to bnother you this way. please dispute called XXXX XXXX several itmes no response

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
They spying on me, inventing information about me and selling it, they are watching me, stalking and peeking without permission and against the law of privacy protection, they spread lies and lies about me, they hurt me, my family, our future, my good name and my livelihood. 
No one gave them permission to use my name or my details

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
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: Information belongs to someone else

Complaint:
ATTN Fraud Department : Remove fraudulent accounts from my credit report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US DEPT OF ED/GLELSI XXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX   XX/XX/XXXXFraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 


Also, update the following accurate personal information to my credit report ; Accurate Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX APT XXXX, XXXX XXXX, TX XXXX Employer ( s ) :  XXXX XXXX XXXX Phone number : ( XXXX ) XXXX Enclosed are the following : FTC Report Number : A copy of my Identity Theft Report and proof of my identity. 

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: SUN WEST MORTGAGE COMPANY, INC.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was just informed that I am Disqualified for an IRRRL refinance loan due to a COVID-19, Mortgage company Approved, ONE Month Forbearance ( Where I did pay the interest ) in XXXX. 

So ... Basically, I am not afforded the opportunity of a lower interest rate due to a World-Wide Pandemic that I worked through??? 

I took a 30 % pay-cut for XXXX and XXXX. I asked Sun-West Mortgage company for a 3 month forbearance. I paid {$900.00} on interest in XXXX. In XXXX, I paid {$3000.00} and was caught back up because my salary was restored since I was considered essential and worked through the mayhem. 

This is the most ridiculous set of rules. WHY in the world would this be acceptable? 

Please change these rules for IRRRL qualifications. An approved forbearance due to this pandemic, especially one that was only used for one month, should in no way, disqualify an individual that has been, is doing and will continue doing the right thing. 

Please help while interest rates are low. I'm at 3.25 % but qualify for 2.75 %. That's an extra $ XXXXmonth! 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Bread Financial Holdings, Inc.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I had a couple of accounts with XXXX XXXX. I entered an arrangement with XXXX XXXX XXXX to consolidate my bills and make one monthly payment. The accounts with XXXX XXXX were included as a part of that consolidation. XXXX has refused to acknowledge my requests to stop calling me at work ( I've told them repeatedly I can not take these types of calls at work ) and continues to call and threaten me at work. Recently, they started also calling my ex-husband about my debt. We've been divorced for over 30 years, so I have no idea how they even got his number. I don't even have his number! On XX/XX/XXXX, I emailed XXXX XXXX and asked them to only contact me through written communications - either email or physical mail. On XX/XX/XXXX, they called me at work and also called my ex husband and left him a message about my debt. Today, XX/XX/XXXX, they left a message on my ex-husband 's phone, which he recorded and sent to me via XXXX messenger. Transcribed, the message reads as follows : " My name is XXXX XXXX and I'm with XXXX XXXX. XXXX, I've been asked to reach out to with with one last attempt to try and resolve this matter that you do have here with our bank. I would really like to have an opportunity to speak with you about the options that you do have, and it would be my pleasure to assist you. I definitely want to stop the escalations that are now coming. But in order for me to assist you, I need you to give me the courtesy of returning my call TODAY. My number is XXXX. My direct extension is XXXX. This matter is time sensitive and it requires an immediate response today. Without your response, the bank is now ready to take necessary steps and resolve the matter legally. And just to be fair, I should also advise you that the call has been documented as my attempt to assist you voluntarily. My number is XXXX. My extension is XXXX. '' This exact same message including the mispronunciation ( axed for asked ) was also left on my work voice mail today while I was in a meeting. My ex also told me via XXXX messenger that he has received repeated phone calls from them and that he blocks all the numbers from which they call. I don't dispute that I owe money to XXXX, but they absolutely have no right to call me at work after I've told them I can't take calls like that at work and they have NO RIGHT to contact a man from whom I've been divorced since XXXX to try to collect this debt, especially when they have also been informed of my arrangements for debt consolidation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
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: Personal information incorrect

Complaint:
I have incorrect names and aliases on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX My only correct name should be : 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 non-monetary relief
Consumer complaint received 2017-12-08
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received our annual escrow account statement dated XX/XX/XXXX from Ditech. It showed a {$930.00} surplus. It said we would receive our check as long as the account was current. We called after 30 days, told it was " under review '' and to call back in another 30 days and we were told the same thing. We were told that we were " contractually current '' and just waiting for them to disburse the check. Now, today, they said the escrow department had put a note on our account saying " a bankruptcy credit '' had caused the surplus to be reported erroneously and that as of now there is a {$1400.00} negative balance in our escrow account. When I asked XXXX, a supervisor, why we had n't been notified about this occurrence, he could n't give me an answer. We had reduced our insurance premium and coverage with our homeowner 's insurance at the beginning of the year and that reduced our payment and the insurance in the escrow account. When I asked XXXX, supervisor, employee # XXXX, about this, again he could not give me a definitive response. We talked to XXXX, empl # XXXX, on XX/XX/XXXX ; XXXX on XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX, empl # XXXX on XX/XX/XXXX and XXXX, a supervisor, on XX/XX/XXXX as well as XXXX, a supervisor, empl # XXXX, today, XX/XX/XXXX. At minimum, if there is no surplus check due us, I will need an updated letter of explanation as to what this " bankruptcy credit '' is and how that affected our escrow balances for my bankruptcy lawyer. I think Ditech engages in deceptive, predatory practices.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Experian Information Solutions Inc.
State: NC
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 identity was stolen and used to open fraudulent accounts that are now appearing on my credit report. I have notified law enforcement and requested that the credit bureaus remove the fraudulent information which they have yet to do. I am a victim and need this information 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 non-monetary relief
Consumer complaint received 2021-04-01
Company: Experian Information Solutions Inc.
State: AL
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:
Experian is reporting incorrectly my Date of Birth. They are only showing the year. My Date of Birth is XXXX. Experian is also incorrectly reporting my mailing address. They are showing only a XXXX XXXX XXXX I do not have a XXXX XXXX XXXX ( Please see page attached from my credit report for reference. I have also attached a copy of my drivers license and SSN card to verify my identity. ) Experian continues to report the following accounts listed below as belonging to me. I do not have an account with any of these creditors, nor have I had any accounts with these creditors in the past. They are fraudulent and need to be removed from my credit report. ( I have attached a XXXX XXXX disputing the validity of these accounts. ) XXXX partial account number XXXX ; XXXX  XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX ; XXXX XXXX XXXX partial account XXXX XXXX and XXXX XXXX L partial account number XXXX opened XXXX and XXXX XXXX L partial account number XXXX opened XXXX. NONE of these accounts belong to me. Experian is also reporting multiple inquiries on my credit report. I have never made any inquiries to these creditors. ( I have attached a copy of the Inquiry page from my credit report for reference. ) These multiple inquiries belong to someone else and are reporting in error. I have contacted the bureaus as well as the creditors to remove these negative items from my credit report however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. Again, please remove these fraudulent accounts 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 non-monetary relief
Consumer complaint received 2017-12-08
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have just completed a chapter XXXX bankruptcy and it was discharged XXXX2017. The case was completed and is closed. XXXX are now reporting we have now filed a petition for a chapter XXXX and we have not. Our case is closed and no petition has been filed but they are reporting this incorrect information to Experian and wont updated it.

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 2018-04-13
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient will not release my co-signers. I have been paying them myself. They claim my payments are late and they cant be! They are issued by automatic withdrawal. First they said I need to pay 15 months and when I applied to release my co signers they said I only needed 12 months of payments. They still refused to release my co-signers. They are never consistent. They always get the wrong amount that I owe and call harassing my co-signers and me even when I have paid on time. My co-signers have complained and have I but nothing changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX XXXX XXXX Transunion are reporting multiple inquiries on my credit report that do not belong to me. I have never made any inquiries to these creditors. ( I have attached a copy of the Inquiry page from my credit report along with a copy of my drivers license and SSN for reference. ) These multiple inquiries belong to someone else and are reporting in error. This false reporting is seriously harming my credit score and these inquiries need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these inquiries however, I have not been successful.

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