BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-15
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to the Fair Credit Reporting Act, Section 607, the reporting agency must ensure maximum accuracy of the information contained in my credit report. I have disputed the following items multiple times : XXXX - This is not my account. I do not have a signed contract with this company for services. 

XXXX  XXXX - This is not my account. No contract or agreement in place. 

US bankruptcy- I never filed for bankruptcy. I changed my mind shortly after completing paperwork. A payment plan was not entered, nor did I go to court. After deciding not to pursue the bankruptcy, it still somehow ended up on my credit report. This item should be removed. I have disputed it multiple times. My attorney also sent a letter to confirm what I said XXXX XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX  XXXX  - This agency is a debt buyer and I do not owe them money. The contract was cancelled XXXX - This agency is a debt buyer and I do not owe them money. The contract was cancelled. 

XXXX XXXX XXXX - The contract wS cancelled many years ago and I do not owe them money These items should be promptly removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22
Company: Financial Business and Consumer Solutions.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
University XXXX XXXX is alleging that I owe them a balance of {$1100.00}. ( which is showing up an unsecured loan on my credit report ). I do not owe this debt. After requesting a copy of my credit reports, the opening date is showing as XX/XX/XXXX. I did not attend the university orientation until XX/XX/XXXX. Late XXXX, I received a letter from the collection company ( Financial Business and Consumer Solutions . The letter was dated for XX/XX/XXXX requesting a payment in full. The letter stated, Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion, thereof, this office will assume the debt is valid. I sent a debt validation letter ( which is attached ) to the collection company on XX/XX/XXXX. I received a letter from University XXXX XXXX on XX/XX/XXXX. The letter was dated XX/XX/XXXX. University XXXX XXXX did not validate the debt but sent a transaction history and no document that bears a signature where I promise to pay. According to the National Student Loan Data System, the class was paid for in full of by student loan. University XXXX XXXX states that my withdrawal date was XX/XX/XXXX. University XXXX XXXX wrote off the debt on XX/XX/XXXX. Financial Business and Consumer Solution began contacting me on my phone starting in XXXX since then I have been getting random calls from different numbers. The calls are harassing and very annoying. I understand that a collection company can not contact after being told not to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: U.S. BANCORP
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:
On XXXX XXXX, 2017 I was contacted by phone by someone who claimed to be my grandson. This person said that he was under arrest and the Police would be willing to set bail, but I needed to get the money to the Police as soon as possible. I was told that I could n't tell anyone about this, including my husband, as there was a " gag order '' on the arrest. I then received instructions to send the bail money by gift cards, and over the course of 2 days, I purchased a total of {$5500.00} in gift cards from XXXX XXXX, XXXX, and XXXX XXXX. 

I received a second call and was instructed to give the gift card numbers to a XXXX XXXX, for my grandson 's release. After I complied, I contacted my grandson, and he told me that he was not under arrest, and it was not he who called me. I then contacted the Police Department in my town, and made a Police report. While the Police were making the report, they confirmed the phone number I was called from, was from XXXX, and was involved in fraudulent activity.

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 2018-11-15
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: Public record information inaccurate

Complaint:
Experian Credit Bureau employees have added the " Closed Discharge Chapter XXXX Bankruptcy '' information dated XX/XX/2011, a second time by adding all companies listed in the Chapter XXXX, onto the open Derogatory Current Information. This action was done by a Experian employee for personal profit or personal gain. This is a Discrimination action so that a " HIGHER INTEREST HIGHER COST '', Denial or both. also causing a LOWER FICO Score. I am a XXXX XXXX Veteran and being Discriminated

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 2018-11-15
Company: EQUIFAX, INC.
State: ID
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 send letters to Credit Bureaus for months and I don't seem to get anywhere! They refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Prosper Marketplace, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have emailed and spoke to Prosper about calling my work. They continued to call even after payment arrangements were made online. I have the email ( XX/XX/20 ) where I asked them to stop calling my work which they acknowledged and I have spoke to them about calling me at work ( XX/XX/20 ) he said he saw a payment and will put to stop calling at work. They have been told several times to stop calling my work. I have the email, date of the phone call where I spoke to a representative and several phone pics of them calling my work. I would like to file an FDCPA complaint for harassment. The calls often times are no one saying anything or they will speak to my coworker, but not me when i get on the phone.

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 2020-06-04
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I am having issues with my information on my file. I have several address that I never lived at on my credit report. My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX I have a unverified account the I never done business with XXXX  XXXX # XXXX or XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Experian Information Solutions Inc.
State: AE
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 have never received any investigation results from the credit bureaus regarding the accounts I listed even though I have sent them letters multiple times : XXXX XXXX Account # XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account # : XXXX | XXXX XXXX Account # : XXXX -- XXXX XX/XX/21

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I wrote a letter to the company requesting validation that bear my signature showing that the debt that the company is report on my credit report belong to me. I have not yet receive any communication from the company. The amount that the company claims is XXXX for XX/XX/XXXX. I didn't have an account nor did I open an account in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: CORELOGIC 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:
credco have been checking my credit for months that i have never authorized

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: EQUIFAX, INC.
State: NJ
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:
on multiple times over the past year i have asked EQUIFAX to respond to a negative item on my report that provide NO infoamtion for me to investigate further! 

all it says XXXX $ is owed wit no addesss or no number or NO COMPANY this is from XX/XX/2017 they contunue to update it monthly but never rectify or respond back to me where it is from. 

when i call them i am disconnected please someone help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
There has been an enormous amount of fraudulent inquiries on my credit report due to my personal information being hacked. I have reported this to each credit bureau identifying that I have been a victim of fraud. The only credit bureau that has been great with helping me is XXXX. Trans Union and XXXX refuse to investigate the fraud inquiries listed on my credit report that were all done online, not one of  these inquiries were done in a store where I had to verify identification. I have tried to dispute these inquiries but the Credit Bureau continue to response and say that the information is a factual record, however ; it clearly indicates fraud. Some of these inquires are listed twice by the same creditor on the same exact day or within 30 days, clear indication of fraud. No creditor needs to pull a hard inquiry more than once in 30 days. I have urged them for their assistance and they refuse to be of help.

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 2018-08-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage was transferred from XXXX XXXX XXXX to Carrington Mortgage. We had started a home modification with XXXX XXXX XXXX and, in XXXX when the transfer took place, we were two months behind on the mortgage but all that was left was to be approved by the underwriter. 
A month later, we've had no contact from Carrington Mortgage except for them to request the same information we'd already submitted to XXXX XXXX XXXX. We finally get that fiasco straightened out and they set up the modification for our home loan. We were told that we'd make a payment in XXXX, XXXX and XXXX and be able to skip the XXXX payment and start again in XXXX. 
We dutifully make our payments and, suddenly, now we're being told that we have to continue making payments until the modification is approved by the underwriters. This is on top of our credit report now showing we're 90-120 days behind on our mortgage which has impacted our daughter 's ability to obtain financial aid for college this year. 
To make the situation even better, after making our required three monthly payments, in today 's mail we received a notice of Intent to Foreclose. I understood that any foreclosure action was put on hold while the modification process was ongoing. Apparently, Carrington Mortgage 's vision and mission statement involves lying to their customers. We were told multiple times that we would be able to miss the XXXX payment, only to be told that we need to continue making payments until the underwriter approves the modification. We started out being two months behind on our mortgage only to end up with our credit report showing we're 90-120 past due because Carrington and XXXX  XXXX XXXX couldn't communicate which not only impacted us, but also our daughter 's college aid. We were told foreclosure actions would be on hold while the modification was going only to receive an Intent to Foreclose. 
Absolutely nothing we've been told by Carrington Mortgage has happened the way they assured us it would. This modification was almost finished with XXXX XXXX XXXX in XXXX and it's XXXX and we're still trying to get this completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: KS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2021 I received the email twice threatening criminal charges and to report to social security. I'm on SSI, I haven't had the money to pay. I will pay as soon as I can. I'm an XXXX  XXXX person it's wrong to scare me with emails such as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Experian Information Solutions Inc.
State: NV
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 XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) which is being reported twice on different amounts! I don't even know who this company is! Experian wouldn't respond when I asked them how and where did they get this information! They just sent me a computer generated print out stating the account and the amount and that they have verified it, that's it. I may not know all about credit reports, but I know my rights as per the Fair Credit Reporting Act. CFPB, amp up and delete the account, I assure you it is not mine

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 2017-11-13
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 fraud alerts or security freezes

Complaint:
I called Experian to add a permanent credit freeze on XXXX, 2017 at  XXXX. 
Experian instructed me to pay {$10.00} to remove a temporary credit freeze, and then pay another {$10.00} to add a permanent freeze. I should have only been charged for adding a permanent credit freeze. The online selection for a credit freeze should be a one payment selection.

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 2018-06-18
Company: Experian Information Solutions Inc.
State: OH
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:
FICO Score History Date Fico Score ( as Reported by Experian ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX How can someone trust this report which fluctuate without any wrong doing by a consumer? Can Experian attribute thygose score to the already settled collection ( XXXX XXXX, XXXX )? XXXX  reporting resembles a torture of consumers.

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 2017-11-13
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:
I have a XXXX credit card. They reported back in XX/XX/XXXX a balance of {$500.00}. It is now mid XX/XX/XXXX and they still are not updating the credit bureaus that the balance is XXXX. I spoken to them several times with no help.

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 2021-01-20
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2020 I sent a letters to all 3 bureaus about my credit report which shows a lot things that are inaccurate. It has been over 90 days and I have not received a response back. 
1. Is this normal for all 3 bureaus to avoid the law that clearly states they have 30 days to investigate and inform me of findings? 
2.Since it has been over 90 days shouldn't these things be removed because the bureaus have violated federal laws?

3. As a XXXX taking care of patients with the coronavirus day in and day out for over 12 hours, this is the last thing that I should have to fight as a US citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to resolve this issue with XXXX  and the collection agency but they will not remove this account. I asked for validation of these accounts with documents showing they are mine and I owe XXXX two collection companies have the accounts. First collection company is AFNI opened XX/XX/XXXX amount XXXX the company or XXXX  who is reporting it don't have any documents. The second company is XXXX XXXX opened XX/XX/XXXX amount XXXX. According to section 609 of FCRA they have to give me some documents showing these accounts belong to me or Delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recieved a cold call from Quicken Loans. I am on the Do Not Call List. The call came at XXXX on XXXX XXXX from XXXX. When I returned the call I was transfered to a " closing specialist '' and put on hold. I was unale to hold long enough for anyone to answer and ask them why they were calling. 

I do not currently have a morgage or any other kind of loan with Quiken or any other Loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Central Portfolio Control Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/ 2020 I made an online ( XXXX ) payment to my medical account with XXXX XXXX XXXX in the amount of {$190.00} by debit card. The account payoff was for my guarantor account # XXXX, which includes several invoices all tied to my guarantor #. In XX/XX/2020 I received a notice of collection from Central Portfolio Control ( CPC ) for {$120.00} for the same account that I paid XXXX months earlier, I asked for details of the collection which they would not provide - so I contacted their corporate to no response, and filed a XXXX  complaint. I also contacted XXXX to ask about my paid off account, they said that my online payment was not distributed correctly to pay off my invoices ( internal issue ), where one showed a credit and the other showed a balance owed. XXXX did not distribute the payments, stated they would make the correction and contact CPC to pull back the collection notice. That was completed and corrected in XX/XX/2020. On XX/XX/2020, CPC files a collection on my credit for this same issue from 2020. I have already remedied through XXXX where XXXX confirmed the debt is not collectible as it was paid in full to Highline in XX/XX/2020. Details, dollar amounts, etc. are all identical to their previous attempt. I need this remedied again with CPC as they are asking for additional payment on something Ive already paid and closed with the original creditor, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation