BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
I sent a letter XX/XX/2021 asking them to validate the bankruptcy information reporting on my credit and I never got any response at all. Per the FCRA the information is automatically considered invalid, if it is not responded to within 30 days and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: EQUIFAX, INC.
State: VA
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:
Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX . XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX

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

Complaint:
On XXXX XXXX a new trade line reported to my credit file that is currently a closed and inaccurate account on several fronts. The line of credit with XXXX XXXX was originally opened in XXXX of 2016, but subsequently closed due to unauthorized charges. Please understand that I am not disputing this account as fraud as it was indeed mine to begin with. I am however disputing that this account information is inaccurate for the following reasons ; ACCOUNT XXXX First XXXX account numbers : XXXX ( only thing reporting on my Experian credit monitoring ) Opened : XXXX 2016 Balance : {$16000.00} Limit : {$14000.00} Monthly payment : {$2600.00} Balance updated : XXXX 2016 Account type : Line of credit 1 - This account has been closed and frozen by me due to unauthorized charges connected both directly and indirectly with this account along with my checking now " previous '' checking account associated with this account accordingly. At the present juncture, this along with multiple others accounts associated with this line has in fact been shut down and closed. 

2 - This account balance and subsequently the " monthly payment '' are inaccurate due to the unauthorized and miss use of the account. 

3 - This account is also in the process of my disputing with XXXX multiple transactions and is henceforth reporting inaccurate data. 

4 - This account is XXXX and the same as the XXXX other accounts presently reporting on my credit file. You will see that they are the same line of credit but had to be closed due to my checking account being breached and fraudulently used. I had previously disputed and subsequently filed fraudulent claims with XXXX and was given the money back. Should n't these previous accounts be eliminated since they are the same as the one that I currently reporting? I do understand that the last " updated '' account, the one that I am disputing in this case will remain on my credit file as it should. 

Thank you kindly for your help with this matter. I am extremely grateful for the professionalism, efficiency and diligence that Experian has exhibited to me with my fraudulent concerns over this past year. 

Regards, XXXX XXXX XXXX Credit Report # : XXXX ****P.S. Due to my continuing fraudulent activity, I have now changed my phone number from ( XXXX ) XXXX to ( XXXX ) XXXX in hopes it may deter future problems from continuing to arise. Would you please be so kind as to update this number on both my credit file and on the Fraud Alert statement to reflect the ( XXXX ) XXXX replacing the previous number?

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 2015-09-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Foreclosure finalized XXXX. Experian indicates foreclosure XXXX as well but also has a monthly update for foreclosure in XXXX which makes issue report as more recent and is affecting current score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-07
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
My wife took my XXXX daughter to XXXX to get her ears pierced. My wife paid with her ( wife 's ) discover card. The only information provided to XXXX was my daughter 's name, our address and my wife 's name on the permission form to get my daughter 's ears pierced. Two weeks after that we received a letter from Comenity Bank stating they turned my daughter down for a credit card. They state in the letter they are the bank for XXXX credit cards. Neither my wife nor my daughter filled out any credit card application. We are concerned about what personal information for my daughter they might have. We are also concerned that they ( either XXXX or Comenity ) are doing something fraudulent with credit card applications. The letter does state they were not able to determine any credit score for my daughter. I hope this is because all they had were a name and address and were not able to get anything like her SSN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-06
Company: Seterus, Inc.
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX I submitted a complaint ( Claim XXXX ) regarding obtaining a Deed in Lieu release from Seterus. At that point, we had been attempting to obtain this release since XX/XX/XXXX. 
Shortly after submitting our complaint to you, we received a letter fromSeterus dated XX/XX/XXXX advising us that our Deed in Lieu hadbeen approved. That letter requested we submit notarized SettlementDocuments to Seterus and their Attorney within 2 weeks. We did that ... 
all documents were submitted and loaded into the Seterus system XX/XX/XXXX. Upon receiving these documents, Seterus wasobligated to send {$6000.00} to XXXX XXXX Bank, the junior lien-holderon the property so they could release their lien to enable Seterus to closeon the property. On XX/XX/XXXX I contacted XXXX XXXX whoadvised me that they still had not received the {$6000.00}. On XXXX XXXX, Icalled Seterus to check on the status of the check. It had not beenmailed yet. I was told that the department who handles this had left forthe day but someone would be contacting me. The person at Seterusalso said they were escalating this matter to the supervisor of the person who was to issue the check. No one contacted me, so today, XXXX XXXX, I called Seterus again. When you call Seterus, you are only allowed tospeak to the customer service rep who answers the phone. They never, never transfer your call to any other person either within or outside thedepartment. Each time it is someone who is completely unfamiliar withyour case, so the average call takes 45-50 minutes while the rep reviewsyour file, " reaches out '' to someone else, etc. The first person myreached out to on that call sent a message back saying based on herreview the file was closed. 

I said that was impossible, because XXXX XXXX is stillwaiting for {$6000.00} to release their lien before Seterus can close. Therep then reached out to someone else who advised that she saw arequest for the check to be issued, but it appears not to have been issuedThe person responsible for doing so was " out on leave. '' The rep wasadvised that the person she was messaging would have someoneinvestigate the matter tomorrow, since the XXXX Officer assigned to my admy account was " out of the office. '' I told my rep I need to knowimmediately when the check will be issued to XXXX XXXX. She said Ishould call Seterus back " next week '' for an update. I reminded her thatthis DIL process had been going on for more than 1 year, and I need acommitment as to when the check would be issued. The rep reachedout to her supervisor who reviewed what had just transpired and told therep to tell me to call back next week. This is symptomatic of theproblems I have encountered with Seterus, and why it has taken overone year to complete this transaction. I am not new to the DIL process : I have done thishave done this before with other properties and banks, and have neverencountered inefficiency and errors of this magnitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT!!, STOP SAYING THIS IS A DUPLICATE. THIS MATTER WAS NOT RESOLVED!! There was not A RESPONSE IN 30 DAYS after XX/XX/2021, therefore this needs to be deleted. The account was not validated within 30 days of requesting validation. 
I have sent 2 correspondence letters to dispute the validity of the debit within the initial 30 day period ( the third letter was sent via certified mail to ensure delivery/signature confirmation ) requesting validation of debt ( I disputed the {$3500.00} debt that you are attempting to collect is unlawful and it violate the FDCPA. I do not owe {$3500.00} that's inaccurate ) however as of date I have received no response from this collection agency however they are still continuing to report inaccurate unverified information on my credit report.Yet, they continue to report negative information to the credit bureaus making it hard for me to maintain good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, after losing a job, I applied with Bank of America for modification of my mortgage. In the next three months, I did receive XXXX letters from BofA, XXXX of them with the requests to submit the same documents I submitted originally at the time of application. Finally, BofA informed me on XXXX and XXXX that I am not eligible for modification of the loan for the following reasons:1. " You are making all required loan payments on time. " 2. " You did not obtain my loan on or before XX/XX/XXXX. '' It was absolutely clear from the very beginning that I obtain my loan long after XX/XX/XXXX. 
XXXX. " You have sufficient net income ( pension of XXXX a month ) to pay your current mortgage payments ( {$1300.00} a month ) '' 4. " Your loan is not eligible for the Home Affordable Unemployment Program because we service your loan on behalf of an investors that has not given us the contractual authority to suspend your payment under the Home Affordable Unemployment Program '' ( The most puzzling one ). 
The whole process was tortuous as nobody explained to me why should I submit the same package of documents ( bank statements, verification of my pension and unemployment status, etc ) seven times in three months. I am sure nobody read them as I was getting the same letters with different dates on them. 
I am still unemployed ( my unemployment benefits rean out long time ago ) with almost no prospects ( my age of XXXX works against me ) and I am still making payments on time borrowing money left and right. I do not believe I ever had a single late payment in my lifetime and I can not allow myself not to pay. Unfortunately, according to BofA, this is # 1 reason I was denied a loan modificationI am still having difficulties making payments as in addition to that I have medical bills, child support, plus prolonged unemployment since XX/XX/XXXX. 
The whole situation is described in several attachments. I am seeking loan modification, but Bank of America does not want to cooperate. They told me openly, that if I would stop making payments, my chances for loan modification will significantly improve. But it is against my principles. 
Thank you, XXXX XXXX. All documents from BofA were signed by XXXX XXXX, Customer Relationship Manager

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
Hello, during the pandemic COVID19. In XXXX, XXXX, XXXX and XXXX of XX/XX/XXXX, I was scared that I may lose my job. So scared that I had to start saving money and during this time I could not pay 2 credit cards out of the 5 I had. It was a tough choice but I had to save money in case I was let go due to the pandemic. I help pay for my father and mothers bills and I had to look out for them first. Prior to XX/XX/2020, I have never had a late payment on my credit cards. During this tough moment Capital One decides to penalize me. I did my due diligence and as soon as I found out my employment was secured and did not need to worry, I caught up on all credit cards payments by XXXX. I reached out capital one three times and they have advised they can not do anything. I feel as if I am being penalized for looking out for the well-being of my family and myself. After all the good rapture Ive had with Capital one prior to the late payments. All I am asking is for the late payments reported to the credit agencies from capital one regarding both my credit card to be deleted from my credit report. Please help me, because as a young adult it is affecting me harshly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Ocwen Financial Corporation
State: IN
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:
On XX/XX/XXXX I filed XXXX XXXX Bankruptcy. According to United States Bankruptcy code all my property became assets of the state and was overseen by the trustee to whom I made my mortgage payments. My bankruptcy was then dismissed on XX/XX/XXXX. All my mortgage payments during this 10 month period were made to the bankruptcy trustee and not to PHH Mortgage. After the dismissal, per bankruptcy code, the trustee then disbursed the mortgage payments to PHH Mortgage on XX/XX/XXXX totaling {$11000.00}. These payments were rejected by PHH Mortgage. PHH has consequently reported me late to the credit bureaus for XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhanced Recovery COL - # XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under XXXX XXXXXXXX of the FCRA. 

This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Bread Financial Holdings, 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:
The XXXX  Credit Bureau is reporting inaccurate information on CB/NY & CO. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: TX
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:
upon calling both bureaus I was told i couldnt be verified and they wouldnt remove anything on my credit report despite the both of us viewing my credit report at the same time, i never gave consent to them to view, nor will they remove inaccurate info upon me attempting to dispute. I recently reviewed my credit report and noticed some unauthorized inquires on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partiaI and I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had permission Under 1681 b number 2 & I never instructed you guys to create nor did I consent to this report in the first place. What I am demanding right now is that you guys delete all of these inquiries not attached to an account XXXX - XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXXquiry date XX/XX/202XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX date XX/XX/2022 XXXX XXXXXXXX XXXX  XXXX XXXX date XX/XX/202XXXX XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX - XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX OF XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/202XXXX XXXX XXXXXXXX Inquiry date XX/XX/202XXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 EXPERIAN - XXXXXXXX XXXXXXXX XXXX Inquiry date XX/XX/20XXXX 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 2022-04-15
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have complained about the amount of calls from Bridgecrest on a daily basis. They have called me 7 times a day for the past 2 weeks. It seems that my only choices with Bridgecrest are no contact or 7 calls in a day. This is EXCESSIVE. I do not understand how they are allowed to harass customers daily and multiple times a day. I agreed to allow communication with them but did NOT AGREE to harassment! I know I am late on my payment but that does NOT give them the right to call 7 times a day. Thankfully I have a spam blocker on my phone but I want the CFPB to stop them from harassing me. If they do it to me, they are doing this to others. Professional companies do not harass their customers, I dont care how late my payments are. They have no right to do this. I approve them calling me ONCE A DAY NOT 7 TIMES A DAY. Please hold Bridgecrest accountable for this harass of customers. Please look into who else they do this to. IT IS NOT ACCEPTABLE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Social Finance, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2020 I initiated transfer of {$120.00} from my SOFI invest account. Two days later I call and was told it was OK, to wait. Monday the money is back in the invest acct ant they have put a 5 day hold on it. 
They ( XXXX ) maintain that I transferred the money into a closed SOFI account. My position is that transfers to closed account should not be able to be attempted, therefore it is SOFI 's mistake.

I just want my money, it has been two weeks and they are not releasing it until Wednesday, so it looks like another week.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed this item with Transunion several times. Every time, I receive a response that the debt is valid. Yet, I have NEVER received any documentation that proves that ( 1 ) the debt is valid and ( 2 ) the debt is mine. I am at my wits end with the massively irresponsible behavior demonstrated by all of the credit reporting agencies ( XXXX, XXXX, and Transunion ).

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