BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-03
Company: Experian Information Solutions Inc.
State: MO
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 am filing this complaint against Experian. I have tried to resolve this issue by reaching out directly to Experian. I am a victim of Identity theft and there are several accounts listed on my report that are fraud. I have contacted the bureau on multiple occasions to resolve this issue and they are complying. I have contacted them by phone, online, and by mail to resolve this issue. The accounts listed below must be deleted upon receipt of this complaint. I will contact the BBB and file a class action lawsuit against Experian if this is n't resolved immediately.

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 2017-04-11
Company: Financial Adjustment Bureau, Inc.
State: IA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Sent first dispute letter to Financial Adjustment Bureau ( XXXX, IA collection company ) in XXXX regarding XXXX bills on my credit report. Received multiple pages of printouts from their own computer system, along with some type of copy of medical bills, XXXX of which violated HIPPA law, not XXXX contained my signature. Have time/date prints of my credit reports showing failure to report dispute to credit bureaus within 31 days. Sent followup letter, XXXX, again disputing and asking for validation according to federal law, received a single printed page ( dated XXXX ) from them stating amounts, now with interest/service charges, and a brief statement ... '' '' Thank you for your letter. We sent information to XXXX today to report the above accounts as disputed. We did provide you with validation of debt for these accounts and will not be removing them from your credit report. You received the services and are responsible for payment. '' '' Very appalling from these " professionals '' in the business since XXXX, especially when, in my dispute letter, I pointed out what validation means. Not to mention the consumer address on the HIPPA violation was never mine, there are multiple people with same name and close to same age as myself on the county 's on-line court records, I can not get credit bureaus to remove this address from my report with this collector reporting the address to the credit report under my SSN. Multiple federal laws broken, yet they still want to act as if they are in the right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Experian Information Solutions Inc.
State: MI
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 company experian, did not investigate my complaint but brushed it off.

I complained of unauthorized inquiries on my account to all 3 credit bureau 's. Two of the three have removed them. Experian 's response was the following : " We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that you have several unauthorized inquiries are listed on your credit report. You would like the inquiries removed from your credit report. According to our records, the disputed items does not appear on your current Experian credit report. '' Effectively telling me that they have not reviewed the report at all.

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 2021-12-13
Company: SYNCHRONY FINANCIAL
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Complaint involves Synchrony Bank. I have a CD I want o close at its maturity date in XX/XX/2021. I get a letter telling me I can only close account by calling Banker. 

Call number printed on letter, XXXX XXXX after XXXX minutes on hold, I give up. XXXX another number, call that number. After 10 minutes on hold I get someone who proceeds to ask me every possible question to verify my identity. I answer all correctly. 

Then he claims he has to send me a code, on my phone, however its a link to something that doesn't open. Does this twice, then claims the " system isn't working correctly '' So he will call me on my number. Of course that doesn't work either. I ask for a supervisor and am told I will be on hold for a long time. 

So Synchrony has set up a system to discourage and ensure that people can't close their accounts. Oh and he also mentioned the amount in my account, so if I was a thief, now I know how much I can steal.

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 2019-12-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/2019 I have contacted the collection agency all three credit bureaus ( Experian, XXXX, and XXXX  ) and XXXX XXXX disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over ten months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX ( original creditor XXXX ) ... Amount {$1300.00} for an authorized/unknown utility.

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 2017-04-15
Company: BROKER SOLUTIONS, INC.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a XXXX with a XXXX mortgage with New American Funding ( NAF ) on a foreclosure I won in a HUD Good Neighbor lottery. After closing in XXXX 2016, I signed a 6 month contract to have a contractor remodel the home as part of the XXXX process and hired a consultant./inspector to report on the remodel to the draw manager and loan officer at NAF. 5 months into the remodel, the contractor had torn the house apart and started building without permits. He then asked for his first fund draw and an extension from the NAF draw manager via the consultant/inspector. Despite my complaints about both the contractor and the inspector to the NAF draw manager and loan officer about the status of the remodel, neither took action to fix the problem. I was finally forced to fire the contractor and inspector after the 6 month contract expired in breach. NAF did nothing but berate me in emails for not agreeing to a contract extension. The house is no longer habitable so I was forced to move my family into a motel in XXXX. In addition, city inspectors found the work done without permits is not to code. My new contractor estimates {$12000.00} just to do the ripout of the poor work before he can start. I have been paying both my mortgage and motel expenses for 4 months. Due to their complete lack of oversight on the remodel, I have asked NAF for a refund of paid mortgage fees to date, a suspension of fees until the remodel is complete so I can use the money to pay for temp lodging in a motel, and covering the cost of the ripout. In last 4 months, they have not provided a response other than they are in receipt of my request. At this time, I can no longer afford to pay both a mortgage and separate housing in a motel. I fear I will not be able to pay my XXXX mortgage payment and NAF will use that as an excuse to foreclose on my house.

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 2019-12-17
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are accounts that aren't mine. Please remove them immediately.

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 2017-06-03
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no knowledge of this debt. I never received a right to dispute.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
After receiving on XX/XX/XXXX mail solicitation from HSBC Bank promoting their Checking account service with {$350.00} promotional bonus for opening new checking account I 've decided to participate in it and see how the new HSBC service would benefit me. 
I 've opened account online by filling online application at XX/XX/XXXX. Somehow, it took HSBC around a month to really open my account, so I have finally received confirmation email of my account open on XX/XX/XXXX. 
{$350.00} promotional Bonus requirements : " include paying at least TWO Bill Pays per month for THREE consecutive months within 120 calendar days of account opening ''. 
Following promotional Bonus requirements after account was opened I 've immediately scheduled 3 consecutive monthly payments on HSBC.COM site to 2 of mine regular bill payment recipients ( overall 3*2=6 payments ). 
Such payments were properly made for 3 consecutive months starting XX/XX/XXXX and finishing on XX/XX/XXXX. However, to my surprise, instead of receiving promised Bonus I was hit by XXXX Service Fee charges ( {$15.00} each ) And after that discovered through HSBC XXXX XXXX XXXX that somehow : " Upon review of your account we notice only one Bill Payment in XX/XX/XXXX, two Bill Payments in XX/XX/XXXX, two Bill Payments in XX/XX/XXXX, and only one Bill Payment in XX/XX/XXXX '' Therefore, HSBC refused to owner there promotional obligations only due to the fact that they count months as either calendar months and/or statement period months, but not as timespan months ( contrary to their paper written promotion that does n't mention " calendar '' or " statement '' months ). 
I 've spent a lot of time/efforts trying to resolve this issue directly with HSBC Customer Experience Team, but with no success. I feel, I was treated unfairly and even feel sick. I feel, HSBC is using unfair, confusive and deceptive promotional and business practices. 
I want HSBC to officially acknowledge there " mistake '', my {$350.00} promotional bonus be paid, as I properly fulfilled all promotional obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are a few accounts on my credit report that aren't mine and belong to someone else. Please remove 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 2019-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XXXX XXXX reported one of my accounts ( ending in XXXX ) as 30 days late in XX/XX/2019. This caused my credit rating to plunge. AT NO TIME during the 30 days when this account was late, was there ever any information on the summary page of the account on the internet -- which I visited a number of times during the period. 

In fact, the company is quick to put up the late notice on the account summary page once they have earned the fee and damaged my credit. 

Furthermore, rather than point out that my account was late, they gave me the amount due and the payment date for the following month. 

All of this behavior benefits XXXX XXXX, and so may be fraudulent. However without that assessment, it is clear in violated of Fair Credit Laws of various kinds.

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 2017-04-15
Company: Mobiloans, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I am disputing a debt with Mobiloans via credit bureau disputes and am repeated called at work. 3 days ago, a man used abusive and obscene language with me and even laughed at me. The debt collector called me very aggressive saying they are taking me to court for a XXXX dollar debt.I said I understand I owe you guys I 'm currently going though a financial organization we can discuss a Payment plan in XX/XX/XXXX not right now. He was trying to intimidate me and laughed at me.I told him per my consumer rights per FTC please do not call me during my work hours send me everything via writing so I can communicate it with my financial representatives.And he started going ok with his intimidated psychology, I replied, I 'm busy so I will hang up if you wo n't stop.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian is hanging onto old accounts that should have been allowed to fall off. They are still posting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: Experian Information Solutions Inc.
State: GA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
Company: CITIBANK, N.A.
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Negative Accounts and Inquires on my credit report that I have no knowledge of. I have attached a few PDF files

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 2019-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are a few accounts on my credit report that aren't mine and belong to someone else. Please remove 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 explanation
Consumer complaint received 2017-04-11
Company: FIRST HERITAGE CREDIT LLC
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I ran into hard times and kept in contact with the lender. Every other phone call they were threatening to sue. When I spoke with them two weeks ago I told them I would pay this week. However they could n't wait and I received the papers they were suing me last Friday ( XXXX ). Even after serving me, they continued to call and I spoke with a representative that same day and she never referenced the fact that they were suing me. I find it repulsive that they would do this to a loyal customer who has had three loans with the company. One of them has been paid off, one has a balance of less than {$500.00} ( for which they are suing me ) and another one that I 'm working hard to bring current. 

Yesterday ( Monday ) I was informed by a neighbor that she was contacted by XXXX at First Heritage and was told to give me the message that she was trying to contact me. The law says that they can only contact other people when they believe I have relocated and/or they ca n't find me - and they are only allowed to do it once. Needless to say that is NOT the case since I spoke with them Friday and the fact that they left a message with my neighbor further violates the law. This is the 2nd time they have done this. The first time XXXX called my neighbor less than a week after I had spoken to someone in their office. 

They are also texting me - something else I do n't understand since I speak to them at least once a week. I never gave them permission to text me and I no one in their office has stepped up to pay the rates associated with such texts. No, I do n't talk to them daily because all they do is threaten me and continue to ask for what I do n't have. I was working with their office and keeping the accounts no more than two months behind. I was told by their rep XXXX that I should pay on the secured account the last time I paid and that I could pay the loan account the next time. All that did was manipulate me into being three months behind on one of the accounts so they could then sue me. 

This is harassment and it 's invasive and embarrassing. There was no reason for them to ( 1 ) sue me and ( 2 ) contact my neighbor and leave a message with her regarding MY loan. This has got to stop!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
After multiple letters and phone call these inquiries and accounts are still not deleted, need info deleted from credit bureu. 
Please delete inquiries I did not approve or have account with these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the following accounts : 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 2019-12-17
Company: EQUIFAX, 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:
inquiries i do not reconize equifax 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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are a few accounts on my credit report that aren't mine and belong to someone else. Please remove them.

Company response to consumer: Closed with non-monetary relief