BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate the account, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX : {$33000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for a Citi XXXX XXXX savings account under promotion ID # XXXX and immediately funded the {$10000.00} required for the " Additional Miles '' The promotion read : " As an ongoing bonus, benefit from : 25 % more miles, incrementally earned on Citi AAdvantage card purchases up to {$50000.00} spent per year when you maintain a minimum average balance of {$10000.00}. '' I did the qualifying event - depositing {$10000.00} immediately and have maintained that balance since XX/XX/2020. I have continued to use my AAdvantage card but have not received the 25 % bonus miles on any of my statements. In the App I show as not having qualified, though representatives on the phone agree that I did indeed meet the qualification criteria. I have opened multiple cases with Citibank over the past 12 months. All cases have been unresolved with no action taken to resolve it. 

I have also faxed this information to Citibank and received no response.

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 2017-03-02
Company: HANCOCK WHITNEY BANK
State: MS
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They constantly call me all the time asking me to pay my bill I can be XXXX days late if I run behind they call my mother passed and they constantly call every day all the time geezzzz it is very frustrating and annoying I owe them total of XXXX on XXXX different accounts it is saffff

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have disputed with Equifax since XX/XX/XXXX about an inquiry made on my credit report with out my authorization by the company XXXX for adt services. I filed a total of 2 disputes with Equifax - XX/XX/XXXX and XX/XX/XXXX both of which are still pending and well past the 30 days required for investigation. This company had a representative that used my social security number without my permission to run an inquiry on my Equifax report for which I have filed a police report and complained to the company about numerous times. I have been in communication with XXXX at XXXX who keeps claiming to have sent requests to Equifax to have this inquiry removed from my report. Although I feel like it is quite possible that XXXX is lying to me about this and possibly have n't done anything I have in writing by email where she claims that she has. And yet Equifax still refuses to remove the inquiry from my report from either XXXX at XXXX 's requests or through my own requests via disputes and the 30 day investigation require- ment. I have been in contact with Equifax today and they have again told me that they will not be removing the inquiry unless they receive electronic request from XXXX XXXX, even though the dispute is still in pending status well past the 30 day period. So my complaint is against both companies as they are both giving me the run around and both have dropped the ball.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
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 have a filed a dispute in regards to incorrect items on my credit report. it has been well over 30 days and i havent received investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are a few accounts on my credit reports that are reporting inaccurate information. There are accounts that I am not familiar with, Creditors that I have never done business with reporting negative accounts on my reports. They are reporting that I had a repossession with XXXX  XXXX, and are reporting two collection accounts with XXXX XXXX and XXXX XXXX. I have been disputing these accounts for some time now with the credit bureaus and they have failed to respond to my disputes. I have asked for validation of these accounts. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. I have reached out to these creditors and they have either not responded or have not provided proper valid sufficient documents that prove the account and debt belongs to me. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax has allowed unauthorized hard credit pulls. See proof from XXXX and XXXX that they did not authorize the pulls. Please remove XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
on and about XX/XX/1920 we called mr cooper who is our mortgage co about there forbearance plan spoke to XXXX XXXX a rep from me cooper asked him how it worked to delay payments as we are seniors and having difficulty at this time he seemed to not know how to explain to us the program my husband kept asking him questions he said we would have 3 months of no payments but when my husband asked how we pay back he kept giving us different answer he kept giving us different money figures how we pay it back it didnt make sense to us so my husband figured out and gave him what it was going to be {$2100.00} added on to our monthly alternative wasnt acceptable to us we told XXXX we needed to think about this letter dated4XXXX  came in saying we were accepted gor this program we never okayed this this is fraud against me cooper and XXXX XXXX we received this letter on XX/XX/1920 we told her we never said we wanted to do this they also discontinued our autopay shw was sending a stop order on on XX/XX/1920 we also paid our mortgage payment to her that day she said it would take 3-5 days then my husband called on the XXXX because nothing was cancelled for the forbearance as of the XXXX nothing has been done XXXX XXXX deceived ud and has caused us stress in a time that people have there health and money problems they did us a disservice we as we feel we dont want our account with me cooper anymore feel that should pay off our account with them or transfer us to a reliable company fraud has not they way a company should be run

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Midland credit purchased past credit card debt that I owed with XXXX previous card lenders. what they did was report to the credit reporting agencies as if I opened new lines of credit. I appealed to the credit reporting agencies and XXXX accounts were deleted. But midland credit is now harassing me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
We settled a dispute with a local hospital on XXXX XXXX, 2013. 
By reaching the settlement, we agreed to withdraw our legal complaints against the hospital, and the hospital agreed to accept an amount smaller than originally billed. 
It was stated in the settlement letter that by offering and accepting the settlement, both parties agree to release each other of any and all claims related to this account. 
The issue is, with this settlement, we have withdrawn our claims against the hospital, yet, they still have a negative statement on our credit report? Why? 
If the law allows them to continue to post this adverse statement on our credit report, even with this settlement, then at least, they can include a more clear statement in the Status section, such as, " Account settled on XXXX XXXX, 2013. Both parties agree to release each other from all claims relating to this account ''. 
This statement is more representative of the true status of this account, instead of the current description in our credit report, which carries the connotation that somehow, we still owe them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax is ignoring information that was sent to them inregards to my accounts with the us dept of ed they have a letter in there files that tells them to remove all accounts I am not on the XXXX report witch is the fed dept report they can not verfy any information other then what is given to them this accounts need to be removed they are sharing information with every one who runs my report that I have debt I do n't owe they are allowing a compy with no right to report to my credit to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good morning, I am the daughter of the owner of a property financed through Banco Popular of XXXX XXXX. A summary of this case is as follows. This mortgage was modified on XXXX and after XXXX years of on time payments as agreed we had a dispute on XXXX when modification end. We found that balance was incredibly raised and my dad did an offer to do a Short Payoff. This offer was counter offer by Banco Popular on a communication dated XX/XX/XXXX by a Bank agent. This counter offer amount was {$81000.00}. After this event, I spoke to the agent and request and additional offer submission and her answer was that an additional offer was totally acceptable. Our second offer was submitted and without any bank communication the pending bank counter offer of {$81000.00} was canceled and a month later without any final answer of our second offer the bank called to inform that our case has been closed and that all documents must be submitted again. Further explaining, without any answer from us and without any bank response, the bank closed the case and opened a new case a few months later. The surprise was that increased the cancellation balance from {$81000.00} to {$110000.00}, approximately {$30000.00} more!!! On XXXX months in a middle of a pandemic it can not be justified a sudden balance increase since property value and interests were almost the same amount. My dad taught me that on business the agreements are of great worth. On this bank the rules are its discretion. In addition, the bank explained me that we had 15 days to close. The bank communication sent explain that we had 15 days to communicate and not to close. I communicated with bank the same day and keep communication constantly. I explain further, the bank did not answer emails, no mortgage banks are operating face to face near the clients and no communication with a XXXX is possible neither. Therefore, I demand the return of {$30000.00} that were paid in excess on the process to avoid foreclosure. Please indicate if there exist any remedy for this. Any additional detail required contact me at XXXX. 
Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
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'm submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
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 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 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 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

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 2015-08-19
Company: General Motors Financial Company, Inc.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I requested copies of the original contract with the original creditor in a dispute letter to GM Financial on XXXX XXXX 2015. I also requested a copy the repossession of a vehicle connected to the account, the bill of sale for the repossessed vehicle, verification the sale amount had been applied to the account and an accounting for all payments and charges assessed to the account. The creditor has failed to provide the verification that proves the validity of the account they have listed on my credit reports. They have not even acknowledged my request. Per the Fair Credit Reporting Act if verification can not be provided upon request then the account is supposed to be deleted from the consumers credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-28
Company: Financial Credit Service, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a message indicating that a complaint had been filed against me. The caller did not state the company name and only gave her name as XXXX XXXX. When I called, it took XXXX attempts to get her to identify the company and give me the mailing address. XXXX XXXX said that it was a complaint from XXXX Bank, a bank have not done business with in over 15 years. I explained that I settled my accounts at XXXX over 15 years ago and have no debts with them. XXXX XXXX said that if my social security is XXXX XXXX XXXX then the complaint is against me and they will take action. I would not verify my social security number, and I asked for their Maryland XXXX number. When she asked for clarification, I explained that I am a resident of Maryland that Maryland licenses collectors, and I needed ARA 's license number to confirm that they can legally do business in Maryland. She asked me to hold, and left me on hold until the call disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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: Account status incorrect

Complaint:
This company has been paid in full through XXXXXXXX XXXX XXXX for the amount they agreed to settle at. However, instead of showing this on my credit report, XXXX XXXX is claiming I still owe them money in the original full amount which is completely false. I can get the XXXX XXXX XXXX XXXX involved if needed. XXXX XXXX  has refused to update this information that they signed documents agreeing to with XXXX. I have been making payments to them for months through XXXX and they have lied about being paid the full amount of the settlement. I have a document from XXXX debt settlement I would like to attach if possible.

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 2016-09-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
i have sent XXXX certified letters to equifax asking them to verify and valadate the tax lien thats on my credit file. after they said they verified it i asked for a judgement or any proof. they havent sent me any proof neither have XXXX XXXX courthouse which i sent XXXX certified letters to. After speaking with the bureau letting them know i have never recieved anything from the irs stating that i owe this state debt and no one has sent me any verification it is only fair they remove it. they told me to go talk to someone at the court house. i explained i spoke with several people their and continue to get the run around. they told me the debt was paid and it will update on my file. i told them i didnt pay it and its not mine.

Company response to consumer: Closed with explanation