BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-31
Company: EQUIFAX, 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I applied for a mortgage preapproval letter from a bank last week to help with the home search. The application triggered a credit check which is standard practice. Ever since then, I have been inundated with scam calls, marketing calls, and mailers from lenders offering different types of loans I dont need. One of the sales reps told me they got my information from the credit bureau informing them that I was in the market. How can my application with the bank allow reporting agencies like Equifax to sell my information to lenders I dont want to deal with?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is Public Record Information on my was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: Dovenmuehle Mortgage, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working with my lender regarding a loan modification. I have provided and supplied all documents upon request and the lender has confirmed receipt of all documents. Now, XXXX day prior to the foreclosure sale I am being told that they do not know yet if my sale will be postponed as they have not yet determined all documents are there although they have acknowledged that the file is complete as of XX/XX/2016. All my homeowner bill of rights are being violated as I am not being provided with a significant opportunity to obtain loss mitigation options to avoid the foreclosure and have done everything possible on my end to attempt to do so. I also believe it is illegal to foreclosure on my property when I am in an active loan modification with my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have been disputing inquires on my credit report with Equifax for the past 7+ months. I've submitted 1 complaint in XXXX and it ended up closed. All I received from Equifax was my current credit report. Nothing more and no help. This company by far has been the hardest company to get help with as a consumer. I had spoke with a gentleman by the name of XXXX in XXXX with Equifax and was told to file a complaint through the CFPB. When I called XX/XX/XXXX, I spoke with XXXX. I was told that I needed to file a police report, which I've spoke with the XXXXPD numerous times and was told that they were unable to file a report. I explained that to him as well as my previous complaint. XXXX then told me that in my previous CFPB report i never included that companies and dates. Once I submit he told told me that they would be removed. XXXX  XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX Auto XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX # XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX. Thank you for your help in this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My Ex Husband stole my information ... .he filed for these things and his credit reports are clean and all was reported to mine ... .these accounts are fraudulent ... I have never filed for bankruptcy or any of these other accounts listed on my credit reports ... .I filed a police report and and Identity Theft affidavit in which I submitted to all 3 bureaus and nothing has been done ... these accounts should have been blocked and or removed within 4 business days per section 605b of the FCRA.

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.

all documents are attached with dates ... .please advise!

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 2018-05-30
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have a student loan with navient. The loan is in charge/off status due to none payment. In XX/XX/XXXX I talked to a customer service representative and gave a {$1200.00} payment. Then after I make two {$42.00} a month until account is settled. The customer service rep assured me that this account which was opened in 2004 would be deleted from credit report. This has not happened yet .I even sent a goodwill letter to the company and they still will not do what was promised to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Experian Information Solutions Inc.
State: AZ
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 sent a dispute against XXXX  which is using fraudulent documentation. Experian obviously does not take disputes seriously as they did not look at the documentation or did not even require XXXX  to submit documentation. The documents I received from XXXX clearly shows in the right margin that it was created on XX/XX/08 long after the loan. Also an electronic signature was used. If you look at the document itself there is clearly not enough information to obtain an electronic signature. The documents appear to have been done on a computer with signature typed in. Under law the documents have too meet strict criteria in their information and the how the electronic signature is done. The electronic consent must accompany the documents to validate the signature or the documents are invalid. Bottom line I did not sign the promissory note and the fraud note has the interest changed to more than triple. The documents themselves are incomplete. XXXX is being sued by California and New York. Tens of thousands if not hundreds of thousands of borrowers are being defrauded by XXXX so why would Experian just take their word. CFPB does not have oversite over XXXX but does over the credit bureaus. So the CFPB should make the credit bureaus triple check anything from XXXX and make them submit legal documentation.

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 2017-03-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid my XXXX account in full on XX/XX/2017 and I 've submitted documentation to all XXXX credit bureaus and they refuse to change the status of my report or remove the item completely from my report. Also I 've filed some disputes but they have seem to have lost them?

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 2020-12-31
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/2020, after weeks of design support, I purchased {$11000.00} worth of furniture in store at XXXX XXXX in XXXX XXXX, MI. At the time of payment, I opened a XXXX XXXX credit card to receive 10 % back in rewards. There was a promotional option to receive no interest on the credit card. I rejected this option. I had discussed spending my {$1100.00} expected reward dollars in store with my designer on accessories for my new home. 

When my first credit card bill arrived, I paid it off in full. When my second credit card bill arrived, I paid it off in full. At this point, I realized I was not accumulating any reward dollars. I contacted the credit card company & was informed I was not eligible for points because my purchase was selected for the promotional plan to receive no interest for 12 months. I did not consent or agree or want this. I knew a mistake had been made. I wanted to spend my 10 % reward points in store, hence why I had been paying off my balance each month. 

I contacted the associate who originally completed the transaction who immediately apologized & took responsibility. I was contacted by the store manager and referred to dispute this with the credit card company which I did immediately. Several weeks later, I was informed my dispute was rejected with no room for appeal or follow up. I contacted the store manager, who assured me I would be contacted within 24 hours. It has been been 4 days since that conversation & I have received no follow up. 

I expect a resolution to financially compensate me for the lost reward dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: The CMI Group, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate FOLLOWING ACCOUNTS ARE NOT MINE : CREDIT MANAGEMENT # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF EDUCATION/XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX. They are in violation of FDCPA XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Atlantic Recovery Solutions LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has been harassing me for months by placing numerous robocalls to my phone number, consisting of approximately 10 calls in a row in the morning at XXXX, leaving 10 voicemails asking me to call back, then places an additional set of calls in the afternoon, and an additional set of calls at night. When I have spoke with them, they use misleading info to intimidate and scare me into providing credit card information over the phone, without any documentation of terms or evidence that I owe on a debt. They call my relatives and friends and give them my personal information, alleged debt status and amounts, and intimidate them as well. I have asked the individual to stop calling and send everything to me in mail, but have never received a debt verification from this company, and the numerous calls still persist. I rely on my phone for my work, and this company is crippling my ability to work. 

I have attached a screenshot, but could provide many more examples if needed. The numbers that repeatedly harass me are the following : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Kriya Capital, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been called several times a day everyday about a medical debt I know I paid. The calls come from Credence Resource Management at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX XXXX XXXX. The phone numbers they use change everyday. The last four from just today and yesterday have been XXXX, XXXX, XXXX, XXXX. Its all Credence Resource Management. I have spoken to them several times and explained the medical bill was paid by a third party. It does not show up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX addresses reported on my report are incorrect, I have never lived at either XXXX XXXX XXXX XXXX in XXXX, Tx. or XXXX XXXX XXXX XXXX in XXXX, Tx.. I would appreciate these entries being 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 2020-03-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just got my credit report from my mortgage lender and noticed a few errors reporting to my credit file

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 2016-01-26
Company: Receivable Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I HAVE ASKED FOR VERIFICATION THAT THIS DEBT BELONGS TO ME AND IT HAS NOT BEEN PROVIDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-21
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Miller, Stark, Klein and Associates
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been contacted by several companies regarding a XXXX XXXX account from several years ago. The first time I was contacted by the collection agency ( XXXX XXXX XXXX ) I paid the balance and received a paid in full letter. Over the past few years I have been contact by approximately XXXX-XXXX other agencies regarding the same debt. Each time I tell them it has already been paid and either email or fax the paid in full letter, only after being threatened and degraded in an attempt to collect. Most recently I was contacted by Miller Stark Klien and Associates by a woman named XXXX about the same debt. I immediately told her it had been taken care of for over two years and she asked me to email her the letter showing it had been paid with another agency. I emailed it within minutes and asked for a confirmation of receipt which I did not receive. My husband was contacted about it a few days later.

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 2020-12-31
Company: Southwest Credit Systems, L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Upon applying for mortgage credit, I became aware that my credit score was about 100 points lower than the credit monitoring at popular credit cards and monitoring services has been showing me. I was turned away from the mortgage. 

I asked to receive a copy of my credit report. On the credit report, there was an adverse summary from " SW CRDT SYS '' for {$92.00} from an original " creditor '' of XXXX. This organization apparently opened the line on XX/XX/2020 and reported delinquent on XXXX2020, according to my credit report. 

I called " SW CRDT SYS '' immediately to understand. They shared that they had called my phone number, though they have a policy to not leave a message and did not send any written communication to me, or attempt to do so. As a result, I had no ability to know that I had an outstanding " debt '' owed to them, how to validate it, or how to communicate with the original " creditor ''. They shared that during their " validation period '' of 30 days, if I were to pay the {$92.00} then they would not report to the credit bureaus. However, I could not have paid because perhaps I missed a phone call from an unknown number that did not leave a message. If I were to pay {$92.00} to every missed call on my phone in 2020 ( amid the election spam season and every other phone call ), I would be broke! 

I offered to pay the debt in full to make it go away, but they said they have no policy to request deleting the record from the credit bureaus. Because of that, there is no possible manner for me ~100 point credit score to be repaired as if they had appropriately contacted me in the month following XXXX/XXXX/2020. 

I find this practice to be deceptive and abusive. There was no possible way for me to validate, communicate and pay off the debt in a timely manner without affecting my credit score. And now that I proactively obtained my credit report, proactively called the debt collector and proactively offered full payment if they deleted the record, I still have no way of repairing my credit from their abusive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Miller, Stark, Klein and Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Miller, Stark, Klein , & Associates contacted me about an alleged debt from XXXX XXXX. They made statements such as pre-legal, civil action, advising their client to move forward. Seemingly in an attempt to imply that they would be taking civil action against me for this alleged debt. They stated that the alleged original debt was with XXXX XXXX for a XXXX card. I have no current delinquent debts reflected on my credit report. Any such debts aged off of all XXXX of my Bureau reports last year, making them in excess of 7 years old. The statute of limitations in my state is 4 years. After a brief search of the Texas Secretary of State database, I found no registered debt collectors under the name they provided me. The Texas finance code states that anyone attempting to collect a debt in the state of Texas must be registered with the Secretary of state. In addition to this, if this is a valid debt, they are attempting to collect on a debt, via scare tactics, by threatening or implying legal/civil action on a debt that is well beyond the statute of limitations in my state. 
They are leaving a call back telephone number of XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: Rent Recovery Solutions
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
company charged me with a debt that I do not owe, it is an internal accounting error by reporting company

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: CITIBANK, N.A.
State: IA
Product: Credit card
Issue: Rewards

Complaint:
I received a credit card offer to apply for their credit card, I received this offer thru the mail. 
The card was CITI XXXX. They said if I was approved for this credit card, & then I spend {$3000.00} on credit card charges within the first 3 months of the card, I would receive XXXX XXXX Miles. I did apply for the card & was accepted. I did spend {$3000.00} on this credit card within the 3 month period of time. So, I did check on my XXXX mile account, no XXXX miles was given to me. I contacted customer service, & I did receive a letter stated since I had a previous credit card within the last 24 months -- no XXXX miles awarded. They stated I had a card 18 months ago. 
They send me this credit card invitation, I did not go to them. They then let me put {$3000.00} on the account, no letter or phone call to let me know that I was not eligible for the miles. 
I had to call them & ask what is going on. 
On XXXX/XXXX/2016 I did cancel this credit card. They send me the invitation to join, they never told me I was not eligible for the miles -- what a way to do business!!!!!!!!!!!!!!!!!!!!!!

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