BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
Company: CORELOGIC INC
State: WA
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 received an inquiry on XX/XX/2021 stating that there has been an inquiry for a mortgage. I just refinanced my home last month & don't recognize this inquiry for anything. I tried to call XXXX XXXX, XXXX  on Credco, nothing!!!

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 2021-10-08
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter ( attached scan of said letter ) from AmSher Collection Services , Inc of XX/XX/XXXX notifying me of a debt from XXXX XXXX XXXX for the amount of {$90.00} and my rights to dispute/request validation for this debt within 30 days of receival. I then disputed and requested validation for this debt and sent the letter ( attached copy of dispute letter ) via USPS Certified Mail on XX/XX/XXXX. I received confirmation that this letter was received by a person on XXXX XXXX at XXXX XXXX  ( attached confirmation ), therefore, request to dispute was confirmed that it was received by AmSher within the 30 day timeline. As of today, XX/XX/XXXX, I have yet to receive any communication from AmSher regarding validation of this debt. They did not provide what they are required to provide by the 30 day period of receiving my request. 

On XX/XX/XXXX, I received notification that this debt, that has not been validated to be mine nor has my dispute been acknowledged, was reported to the Credit Bureau ( confirmation screenshot included ). This has negatively affected my character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: CAINE & WEINER COMPANY, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

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 2018-11-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
sent them a letter to delete all inquires that don't have my written Authorization also delete all non account inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Pinnacle Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Someone by the name of XXXX XXXX called me today at work XX/XX/2020 and this was not the first time. He called me multiple times and every time he calls I tell him Im not allowed to except phone calls at work. he then gets belligerent and tells me that I am required to talk to him. He called my boss today and the bookkeeper and demanded that they tell him information about me where I work and other private information they told him they were not going to give him any information and he became very belligerent with them and tried to tell them that they are required by law to answer his questions. This has caused me an undue amount of stress and I just want him to stop calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2017-11-13
Company: Resurgent Capital Services L.P.
State: SC
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 just spoke with my realtor and was advised that this item from XXXX XXXX XXXX is still being reported to my credit, even though its been proven that this item isnt mine. Ive provided information over to them several of times, just recently the collection agency that they sold this debt to removed the collection item from my credit because it was proven that this debt isnt mine. The same information I reported to both companies and this item is still being reported. I can not move forward in my home buying process with this item still lingering. I need this company to remove this item otherwise I will be forced to provide this information over to my attorney and I will proceed with filing a lawsuit against them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
sent them a letter to delete all inquires that don't have my written Authorization also delete all non account inquires

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 2021-03-02
Company: Bread Financial Holdings, 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: CITIBANK, N.A.
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 information incorrect

Complaint:
I have reached out to Citi, XXXX, XXXX, and XXXX  on multiple occasions to investigate the incorrect reporting of this account and each account. This account is not reporting 100 % accurately and has multiple violations in the reporting. Each time I receive letters saying that this is verified and that the debt is validated ... how is that possible if the reporting is totally inaccurate ... .They did not conduct a proper investigation and they are in violation..I am XXXX ... I will be filing a complaint with the state attorney general if this is not removed immediately ... .see attached report and see below for some of the violations that my untrained eyes see ... someone should be holding these companies accountable to follow the law and guidelines that they are supposed to follow.

This account is charged off and sold to a collection agency but reporting a balance of {$2100.00} this is a violation they are reporting a credit limit on a charged off account. this is a violation they are reporting 2 different high credit limits this is a violation they are reporting a past due balance on an account they sold to a collection agency and charged off ... this is a violation they are reporting 3 different dates of last active. this is a violation ... this account has been re aged the 2 year payment history is definitely a violation ... they are reporting a new charge off each month and this is killing my score ....

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 2018-08-10
Company: Webcollex, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XX/XX/2018 this company called me at XXXX XXXX central time. The person on the phone was laughing with someone in the background when I answered. They asked for me. I told them I was XXXX and asked them why they were calling me at XXXX XXXX. The person in the line then disconnected the call. I called the number back immediately and asked who they were and why they were calling me at XXXX XXXX. She said they were XXXX XXXX and asked if I was XXXX XXXX. I told her I was and again asked why they were calling me at XXXX XXXX. I was angry and yelling when I said this so the lady told me I could talk to them later she wasnt going to talk to me and hung up. I called them back again and got a person named XXXX. I asked XXXX why they were contacting me and why they would do it so early in the morning. She asked me if I was XXXX XXXX I said that I was and asked why they were calling me. She said they weee calling to collect a debt. I asked why they would call that early in the morning and what debt would they be collecting. XXXX tried to say they never called me this morning. I told her that was a lie and she was the third person from her company I had spoken with this morning. I then told XXXX to remove me from their system and never contact me Again. I told her I have call logs of her company calling me multiple times a day sometimes 9 times or more and with the calls now being before XXXX I want no more contact from them at all. She told me she would remove me from their system and ended the call. I will be filing multiple complaints because 30 min after this call and her confirmation she was removing me from their contact list. I was then called AGAIN by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiry from XXXX XXXX would like inquiry removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today my wife, my place of employment and a couple family members were called and left messages threatening to sue me over an alleged unpaid debt. This debt was paid and proof of payment was provided. This is now at least the 6th different creditor who has tried to collect the same debt that was sold off by US Bank.

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: 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:
XX/XX/2018, prior to obtaining a auto loan, I checked all 3 credit bureaus reports, as there were major discrepancies in my pre-approval XXXX  and XXXX score ( s ) ... 670-672 -vs- my monthly monitoring of actual scores results XXXX. 
Of the 3 credit major credit bureaus, Experian was only agency to include multiple errors. Multiple ( 5 ) accounts from my father 's ( Senior 's ) credit file ( credit card accounts ) were reported as mine, and applied to my ( Junior 's ) credit file/report. 
After consulting my parents, my mother ( auth.user of accts ), contacted the card companies, and each denied reporting the errors, each stating that they did not have my ( Jr 's ) personal information ( social, DOB, etc ) that would even allow them to make such reports/errors. 
All erroneous accounts were disputed with Experian as " not mine, not authorized user ''. ( I also signed up for Experian monitoring service to more easily monitor this problem ). 
Experian very quickly removed all of the errors, and sent me update stating corrections completed, file has been updated. 
However, on XX/XX/2018, when applying for an auto loan with XXXX XXXX, XXXX XXXX, etc ... all debt errors ( $ 24,000+ ) was still reported as mine, therefore causing my 'debt ratio ' to be vastly incorrect, and as a result, 4 auto loans companies have denied me credit stating " credit card debt too high ''. 
Hard inquiries are now present ( expected ), with very negative results ( not expected ), and long term results that should have never occurred. 
Today, XX/XX/2018, I was going to print, and send copies of Experian credit file errors/corrections to the 4 loans companies, in hopes that it by some miracle, it would help me, although very doubtful, now that they have a negative image of me. 
However, in trying to do so, only one of the many corrected disputes are showing as having occurred. Obviously, this will be in total contrast with the report ( s ) the auto loan co. 's have on file. 
Three of the five corrections were with same company ( XXXX XXXX XXXX  ). I don't know if this has anything to do with the lack of 'corrected results ' showing. However, when Experian reported errors as mine, they were reported individually, therefore should be shown as corrected individually. 

Thank you very much.

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 2018-11-14
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We were in an area affected by Hurricane Irma in XXXX of XXXX and my wife was unable to work due to businesses that were affected by the storm for 3 months. We were offered a " Special Forbearance '' by the mortgage company handling the loan, XXXX XXXX XXXX XXXX XXXX, during the disaster. Once we accepted the " Special Forbearance '' no one told us all of the payment would be due at once nor did they tell us anything about the terms of the " Special Forbearance ''. and that the servicing of our loan was sold to Freedom Mortgage at the end of the Special Forbearance. We have contacted a HUD Approved Housing Agency and they have been helping us with the paperwork needed for Modification. Each time that Freedom Mortgage asks for paperwork we send it to them right away, and this process has been dragging on since XXXX of XXXX and they keep asking for the same paperwork over and over stating it is the underwriters. We feel we have been deceived, we feel that Freedom Mortgage is dragging this process on so that they can eventually file foreclosure and take our home, which was not behind until this happened, and we don't want to lose our home.

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 2020-08-20
Company: WELLS FARGO & COMPANY
State: IL
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 spoken to the vendor regarding credit cards balance they have confirmed they have been reporting correct balance since XXXX to credit reporting agencies. I have sent letters to all 3 credit reporting agencies since XX/XX/2020 but balance still has not been updated

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 2020-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Bank of America Stole {$90.00} saying I owe money from there credit card online in my checking account My bank is XXXX XXXX  XXXX XXXX XXXX Massachusetts.

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 2021-03-02
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The below collection agency is providing false information regarding an old account that was closed and charged off in XXXX. The dates of the charge off is incorrect, the amounts are incorrect, the reason for the debt is incorrect and the aging dates are incorrect. 

The agency is reporting the old debt as new on my credit report and updating the report each month. In addition to the credit report update the agency is sending offers letters to my home address. 

I have disputed this account several times. Each time I dispute, the agency update the date the debt is expected to fall off my credit report to a later date. In doing this, it's affecting my debt to income ratio. I've tried to resolve this issue with the credit bureau and collection agency and have been unsuccessful. 

Debt was expected to be removed from my account XX/XX/XXXX and have now been updated to be removed to XX/XX/XXXX Radius Global Solutions XXXX XXXX XXXX XXXX XXXX, MN 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 2018-11-14
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I contacted Navient in XX/XX/XXXX. I wanted to see about having my Parent Plus included in my IBR. The employee said I needed to consolidate all my accounts and resubmit a IBR. I did what I was told. I recently received the notice ( XX/XX/XXXX ) that I am on an ICR with a payment in the amount of {$260.00} a month. I called and spoke to XXXX # XXXX XX/XX/XXXX, she said the way the consolidation was done I don't qualify for the IBR, had I done it another way-consolidate my parent plus loans and then consolidated that with my loans I would have qualified for the IBR. How was I supposed to know this and the first time when I called, the employee did not mention this at all. I was just told to consolidate. Student loans are so difficult, how was I supposed to know which way I was supposed to do it. I specifically told the employee when I first called about the consolidation that I wanted to include it in my IBR and apply for a 10-year forgiveness. Not once did he mention anything about one loan and then another. He told me to go online and consolidate, so that's what I did. This is unfair, and I cant afford the {$260.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: PA
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Attention Equifax and if possible XXXX and XXXX Delinquent Account ; XXXX   XXXX XXXX for {$120.00} Date Assigned XX/XX/XXXX This delinquency is not mine. If this is regarding a XXXX XXXX Account that had been billed in XX/XX/XXXX this issue should have been resolved in XX/XX/XXXX. I contacted XXXX XXXX XXXX about the error in my account. After providing information requested they said they closed their inquiry. They said they informed the credit bureaus which they do business with and requested to delete their listing about this account. " However, because your social security was not provided to us, we will be uncertain as to whether our request will be accurately processed by the agencies notified. '' Now it appears this is being handled by XXXX   XXXX XXXX This bill was never mine. The address on the bill was to Same address but XXXX That person happened to have my same name I guess. It was a cable bill so it was specific to the address where it was routed to. In addition a believe my SSN and ID # did not match. Please Correct

Company response to consumer: Closed with explanation